Your West Coast Commercial Insurance Brokerage

Insurance built to protect everything you've built.

Focus West Insurance Solutions is an independent brokerage that designs, markets, and services complete commercial insurance programs — from a single policy to loss-sensitive and captive structures for accounts with $100K to $2M+ in annual premium — with the carrier relationships and claims advocacy that mid-market businesses depend on.

Request a proposal How we work large accounts

All lines: placed under one broker
Specialty: programs & market access
Hands-on: claims advocacy

Construction safety hard hats on a job site — ContractorsSpecialty programs for contractors and the trades

Commercial restaurant kitchen with stainless cooktop — ContractorsSpecialty programs for contractors and the trades

Independent & carrier-neutral

Smaller account? Start a 24-hour quick quote.

Automated benchmarks for workers' comp, most contractors, and most restaurants — verified by a licensed advisor. Larger or more complex programs start with a proposal request.

Workers' comp quick quote → Contractor quick quote → Restaurant quick quote → Instant bonding → Captive Programs →

Every line of business

One broker for your entire insurance program.

We place coverage with all major commercial carriers, wholesalers, and MGAs. Understanding your business's needs is paramount, so we market your account to the carriers that best fit your industry — always with a client-first mentality.

General Liability

Third-party bodily injury, property damage, and the contract requirements your clients demand.
Commercial Property

Buildings, contents, business personal property, and business income protection.
Commercial Auto

Owned, hired, and non-owned vehicles, fleets, filings, and motor truck cargo.
Excess & Umbrella

Layered limits that sit above primary policies when one loss could threaten the business.
Workers' Compensation

California-compliant coverage, experience-mod review, and return-to-work support.

Get a workers' comp quick quote →
Bonding & Surety

Bid, performance, payment, and license bonds to keep projects and contracts moving.
Life & Benefits

Group health, life, and employee benefits that help you attract and keep good people.
Cyber & Management

Cyber liability, EPLI, D&O, and professional liability for modern exposures.

Don't see a specific coverage? Tell us what you're looking for — Focus West writes virtually any type of policy and every type of business.

Specialty programs

Deep playbooks for high-motion industries.

We serve businesses of every kind, with dedicated programs and market access for three industries where the right coverage — and the right claims partner — make all the difference.

Contractors

Coverage that keeps pace with job sites, subcontractors, contracts, and tools — and certificates issued fast enough to keep you working.

General liability & workers' compensation
Builders risk, tools & equipment
Contract review & rapid certificates
Bid & performance bonds

Contractor insurance built for the West Coast →

Get a contractor quick quote →

Commercial restaurant kitchen with stainless cooktop and prep station

Restaurants

Protection for kitchens, staff, equipment, and guests — packaged for the realities of food service and tight margins.

Property, BOP & equipment breakdown
Liquor liability where applicable
Employment practices & cyber
Delivery & off-premises exposure

Restaurant insurance built for the West Coast →

Get a restaurant quick quote →

Commercial truck at a logistics loading dock

Transportation

Programs built for commercial auto, trucking, logistics, and the people behind every route — from owner-operators to multi-unit fleets.

Commercial auto & motor truck cargo
Fleet safety & umbrella layers
Filings & radius management
Owner-operator & multi-unit support

Truck & transportation insurance built for the West Coast →

Request a transportation quote →

Manufacturing, wholesale, habitational, professional services, retail, and more — our generalist reach covers the rest.

Spending $250K+ a year on premium? See whether a captive insurance program could lower your long-term cost of risk.

Large & mid-market accounts

Built for programs of $100K to $2M+ in annual premium.

At this size, structure and loss data move the number more than a rate ever will. We model guaranteed cost against large deductible, retrospective, self-insured retention, and group captive options — then market the account to the national carriers, specialty markets, and captive facilities that write your class.

Program design & marketing

Loss-sensitive structures modeled against your actual losses, then a controlled marketing plan so carriers compete for the account instead of blocking each other.

Claims advocacy

Reserve reviews, closing strategy, subrogation, and coordination with a dedicated third-party claims partner — because on a deductible plan every reserve is your money.

Experience mod strategy

Worksheet verification, error correction, projection before renewal, and return-to-work programs that keep small claims from becoming mod points.

Contract & certificate management

Insurance-requirement reviews for the contracts you sign, additional-insured and waiver wording matched to your policies, certificates measured in hours.

Safety & loss control

Carrier loss-control resources, safety program documentation, and DOT/OSHA-facing support for fleets and job sites — the work that lowers next year's price.

120-day renewal & stewardship

Loss analysis and mod projection four months out, options side by side with total cost of risk, then quarterly claims reviews and a written stewardship report.

Renewal within 120 days?Start now — that is the window to correct the mod, review reserves, and market the account properly.

Request a proposal How we work large accounts →

Carriers available through our agency network

Claims insight

Know what actually goes wrong in your industry.

Coverage is only half the job. We structure programs around the losses that actually happen in your business — and we advocate for you when a claim is filed. Select an industry to see the claim patterns we plan for.

In construction, OSHA's “Focus Four” drive the most serious losses — falls, struck-by, caught-in/between, and electrocution — alongside overexertion. We structure liability, workers' comp, and site-safety credits around them.

Contractor claims profile

Frequency of reported claims

Avg. cost / injury$48,000

Median days away8 days

Top causeFalls

Sources: U.S. Bureau of Labor Statistics (SOII, 2024), the National Safety Council, and FMCSA (2024). Leading-cause patterns are directional industry benchmarks — not a guarantee of any outcome.

Why Focus West

An independent broker working for you — not a carrier.

Listen & assess

We learn how your business actually operates, then map the exposures that matter — including the ones you haven't thought about yet.

Market your account

As an independent brokerage, we shop multiple carriers to build the strongest combination of coverage, terms, and price.

Place & service

Fast certificates, clean renewals, and a real person who answers the phone when something changes.

Advocate at claim time

When a loss happens, we step in — coordinating the claim and pushing for a fair, timely resolution.

All linesCommercial coverage under one broker

IndependentMultiple carriers, no single-company bias

ExperienceSeasoned advisors who know your market

ResponsiveCertificates and answers without the wait

Insurance news

Stay ahead of the stories that affect your coverage.

Commercial and California insurance headlines, curated for business owners.

View all news →

Request a quote

Tell us what you operate. We'll shape the protection.

Share a few details and a Focus West advisor will follow up with a tailored next step — whether that's a new policy, a renewal review, a certificate, or a claims question.

Business name

Your name

Industry

Annual insurance premium (approx.)

Next renewal date (optional)

Work email

Phone

Business ZIP code

What do you need?

No spam — just a focused next step from a real advisor.

Tailored Insurance to Safeguard Your Future