Business Details
50+ Years
experience
Trusted San Diego Insurance Solutions for Small Businesses
H&M Insurance is a family-owned independent insurance agency serving San Diego businesses since the 1970s. With over 50 years of experience in the California insurance market, we specialize in providing tailored commercial and personal insurance solutions. Our team of experts works with multiple A+ rated carriers to offer competitive rates and comprehensive coverage options. We pride ourselves on personalized service, deep local market knowledge, and a commitment to building long-term client relationships. Our services include business owners policies, commercial property insurance, workers' compensation, cyber liability, and industry-specific coverage.We maintain strong industry partnerships and utilize advanced risk management strategies to protect our clients' assets. Our claims process is designed for efficiency, and we offer flexible payment options to accommodate client needs. We serve businesses across California with a focus on the San Diego area. Our agency has earned a 5-star reputation through consistent delivery of value-driven insurance solutions.
Services
Commercial Property Insurance
Commercial Auto Insurance
Business Owners Policy
Workers Compensation
Cyber Liability Insurance
Restaurant Insurance
Contractor Insurance
Apartment Building Insurance
Fleet Auto Insurance
Trucking Insurance
Details
- Year established: 1973
Highlights and features
- Local San Diego independent insurance agency with 50+ years experience
- Family-owned business providing personalized insurance solutions
- Access to multiple A+ rated insurance carriers
- Specialized in California market regulations and requirements
- Quick claims processing with dedicated customer support
Associations and certifications
- Safeco
- Travelers
- CIG
- Hartford
- Progressive
- Markel
- Nationwide
- Geico
- Hiscox
- Next
What people say
Most helpful agents
Honest and upfront
Best rates available
Quick response times
Exceptional service
Services
Commercial Property Insurance
Protects business assets against property damage from fire, theft, and natural disasters. Covers buildings, equipment, inventory, and signage. Includes options for business interruption and flood coverage. Essential for commercial landlords and business owners needing physical asset protection.
Commercial Auto Insurance
Covers company vehicles for liability and physical damage. Includes bodily injury, property damage, collision, and uninsured motorist coverage. Required for businesses using vehicles for commercial purposes. Available for sedans, trucks, and specialty vehicles.
Workers Compensation
Mandatory coverage for employee work-related injuries. Pays medical expenses, lost wages, and rehabilitation costs. Includes employer liability protection. Required for California businesses with employees. Helps manage workplace safety compliance.
Business Owners Policy
Combines property and liability coverage in one package. Includes general liability and commercial property insurance. Offers cost savings over separate policies. Ideal for small businesses needing comprehensive protection with simplified management.
Cyber Liability Insurance
Protects against data breach financial losses. Covers notification costs, legal fees, and regulatory fines. Includes cyber attack protection and risk management resources. Essential for businesses handling sensitive customer information and digital operations.
Questions
Do I need business insurance if I work from home?
Yes, home-based businesses still need coverage for liability claims and business property. We offer specialized policies that protect against common risks while operating from residential locations.
How are insurance premiums calculated?
Premiums depend on factors including business type, coverage limits, claims history, location, and risk management practices. Our agents help identify cost-saving opportunities while maintaining adequate protection.
Can I get insurance with a bad driving record?
Yes, we work with carriers that specialize in high-risk drivers. Coverage options may include surcharges or additional requirements, but we help find the best available rates for your situation.
What's the difference between general liability and professional liability?
General liability covers physical risks like injuries and property damage. Professional liability protects against claims related to errors, omissions, or negligence in professional services provided.
Do I need flood insurance in San Diego?
Standard policies exclude flood damage. We recommend flood coverage for businesses in risk-prone areas, especially those near water sources or in designated flood zones by FEMA.
How quickly can I get coverage?
We offer instant quotes with policies often issued within 24 hours. Emergency coverage options available for urgent business needs with immediate risk exposure.
