Business Details
48 Years
experience
Your Trusted Insurance Partner in San Jose
DeSando Insurance Services has been a trusted name in the insurance industry since 1978, providing tailored solutions for both commercial and private clients. As a family-owned business now in its second generation, we combine decades of experience with a commitment to integrity and personalized service. Our partnership with Networked Insurance Agents, ranked among the nation's top agency aggregators, allows us to access a broad network of leading insurance carriers while maintaining our local, client-focused approach. We specialize in creating competitive advantages for clients through exclusive programs in workers' compensation, habitational insurance, staffing, construction, and more.Our expertise in class code review, loss control, and claims management ensures clients receive precise, cost-effective coverage. With a focus on innovation and client education, we empower businesses to navigate complex insurance landscapes confidently. Our dedication to transparency, ethical practices, and long-term relationships has solidified our reputation as a leader in risk management solutions. Whether protecting commercial properties, managing employee safety, or securing liability coverage, we prioritize our clients' unique needs above all else.
Services
Workers Compensation
Commercial Auto
General Liability
Builders Risk
Surety Bonds
Commercial Property
Habitational Insurance
Construction Insurance
Staffing Insurance
Private Client Risk Management
Details
- Year established: 1978
Highlights and features
- We have over 40 years of experience in the insurance industry.
- Our family-owned business offers personalized service and integrity.
- We offer exclusive programs tailored to niche insurance industries.
- We partner with top insurance carriers to secure the best deals for clients.
- Our expertise in workers' compensation and risk management sets us apart.
Services
Workers Compensation
DeSando Insurance Services provides customized workers' compensation solutions for diverse industries. Our offerings include guaranteed cost plans, PEO options, self-insured programs, and captive solutions. We specialize in class code review, loss control, claims management, and experience modification analysis to reduce costs and ensure compliance. Our expertise helps businesses navigate complex regulations while protecting employees and minimizing financial risk.
Habitational Insurance
HabPRO offers specialized property insurance for habitational risks, including apartments, condos, mixed-use buildings, and 55+ communities. Coverage includes up to $50M in property limits, general liability, business income, and equipment breakdown protection. Our policies accommodate older buildings, renovations, and non-sprinklered structures, with flexible endorsements to address unique exposures faced by property owners and managers.
Construction Insurance
ConstructionPRO delivers comprehensive coverage for general contractors, subcontractors, and developers. Services include commercial auto, general liability, workers' compensation, builders risk, and WRAP policies. We cater to over 40 contractor classes, from electricians to roofers, with exclusive programs for tools, equipment, and pollution liability. Our WRAP policies offer extended reporting periods and cost-management strategies like PAY-AS-YOU-SELL options.
Staffing Insurance
StaffPRO provides tailored insurance for staffing agencies, covering professional liability, general liability, and workers' compensation. Our programs include coverage for employee placement, abusive acts, and cyber liability. Features like worldwide coverage, innocent insured provisions, and umbrella policies ensure staffing companies are protected against industry-specific risks while maintaining compliance and financial stability.
Commercial Property
We offer robust commercial property insurance to protect businesses against physical asset losses. Coverage includes business income, equipment breakdown, and ordinance law endorsements. Our policies address risks for various property types, including older buildings undergoing renovations, mixed-use developments, and high-risk commercial spaces, ensuring continuity during unexpected disruptions.
Questions
What types of insurance do you specialize in?
We specialize in workers' compensation, habitational insurance, construction insurance, staffing insurance, and commercial property coverage tailored to niche industries.
How do you help clients get the best insurance rates?
We leverage partnerships with top carriers, create competitive bidding scenarios, and offer exclusive programs to secure cost-effective, customized solutions for clients.
Do you offer workers' compensation programs for high-risk industries?
Yes, we provide specialized workers' comp programs for construction, staffing, agriculture, and other high-risk sectors with options like self-insured plans and PEO partnerships.
What is WRAP insurance and who needs it?
WRAP policies provide blanket liability coverage for construction projects. They're ideal for developers, general contractors, and subcontractors working on large residential or commercial developments.
Are you a family-owned business?
Yes, we've been family-owned since 1978 and remain committed to personalized service while expanding through strategic partnerships like Networked Insurance Agents.
