Business Details
39 Years
experience
Trusted Business Insurance Solutions in Huntington Beach, CA
Since 1987, INM Insurance Services has provided comprehensive insurance solutions to businesses and families across California, Nevada, Texas, Arizona, Illinois, Florida, and New York. As a family-owned and operated agency, we prioritize personalized service, leveraging decades of industry experience to tailor policies that meet individual client needs. Our partnerships with top-rated carriers, including Nationwide, Oregon Mutual, and Travelers, ensure competitive pricing and robust coverage options.We specialize in niche products like gas station, auto repair garage, and apartment building insurance, while maintaining the flexibility to create custom policies for diverse business requirements. Our commitment to transparency, client education, and long-term relationships has solidified our reputation as a trusted insurance advisor in Southern California communities such as Huntington Beach, Long Beach, Los Angeles, San Diego, and Beverly Hills.
Services
Gas Station Insurance
Auto Repair Garage Insurance
Apartment Building Insurance
Workers Compensation
Business Owners Policy
Commercial Auto Insurance
Restaurant Insurance
Details
- Year established: 1987
Highlights and features
- Family-owned agency with 35+ years of business insurance expertise
- Specialized coverage for high-risk industries like gas stations and auto repair shops
- Partnerships with top-rated carriers for competitive pricing options
- Personalized policy creation with detailed client consultation
- Local presence serving Southern California communities since 1987
What people say
Very kind and professional
Timely manner
Easy to navigate
Always looking out for us
Super insurance guy
Services
Gas Station Insurance
Our gas station insurance protects against industry-specific risks including environmental contamination, property damage, and 24/7 operational liabilities. We provide comprehensive coverage for premises liability, pollution risks, and workers compensation while partnering with elite carriers to ensure competitive pricing. With 35 years of experience in this niche market, we offer specialized policies that address regulatory compliance and unique exposures faced by fuel retailers.
Auto Repair Garage Insurance
Tailored insurance solutions for auto repair businesses protect against machinery accidents, customer vehicle damage, and employee injuries. Our policies include garage keepers liability, pollution coverage, and workers compensation while working with carriers like Nationwide and Oregon Mutual. We ensure proper protection for tools, equipment, and business income during operational disruptions through customized policy structures.
Apartment Building Insurance
We offer comprehensive protection for apartment complexes addressing tenant-related risks, property damage, and liability concerns. Our policies cover building structures, rental income loss, and liability claims while considering local regulations like rent control ordinances. By partnering with carriers such as General Star Indemnity, we provide coverage for property damage, liability claims, and business interruption specific to multifamily housing operations.
Business Owners Policy
Our Business Owners Policies combine essential protections for small to mid-sized businesses including liability coverage, property protection, and business interruption insurance. We customize these packages to address industry-specific risks while offering optional cyber liability and professional liability endorsements. This comprehensive approach ensures financial protection against common operational risks from lawsuits to natural disasters.
Commercial Auto Insurance
We provide mandatory and optional commercial auto coverage meeting California's regulatory requirements while protecting business vehicles against collision damage and liability claims. Our policies include liability protection, comprehensive coverage, and specialized options like hired/non-owned auto insurance. We help businesses navigate FMCSA regulations for heavy-duty vehicles while securing competitive rates through our carrier network.
People
Ralph Iknadosian
President
With decades of insurance industry leadership, Ralph Iknadosian oversees operations at INM Insurance Services, leveraging extensive experience in commercial risk management and policy development to guide the agency's strategic direction.
Jake Iknadosian
Vice President
As Vice President, Jake Iknadosian focuses on expanding the agency's market reach while maintaining personalized client service, applying his expertise in commercial insurance products and carrier relationships to enhance policy offerings.
Zack Iknadosian
Customer Service Director
Zack Iknadosian leads client relations efforts, ensuring timely policy implementation and claims support while building long-term customer relationships through responsive communication and insurance expertise.
Questions
What specialized insurance products do you offer?
We specialize in high-risk industry coverage including gas station insurance, auto repair garage protection, and apartment building policies tailored to specific regulatory and operational risks.
How do you determine business insurance costs?
Premiums depend on factors like industry type, location, coverage limits, and claims history. Our agents analyze these elements to provide competitive quotes from our carrier network.
Do you offer coverage outside California?
Yes, we provide insurance solutions across Nevada, Texas, Arizona, Illinois, Florida, and New York in addition to California's commercial markets.
How does your claims process work?
We assist clients through every step, coordinating with carriers to ensure timely claims resolution while maintaining direct communication with policyholders throughout the process.
What sets your agency apart from competitors?
Our family-owned approach combines 35+ years of niche market expertise with personalized service, ensuring tailored solutions rather than generic policy offerings.
