Insurance
Business Insurance
Protect your business and your peace of mind with customized coverage built to shield you from unexpected disruptions. Whether it’s a lawsuit, property damage, or equipment breakdown, we've got you covered with local support you can trust.
Rated 4.8 out of 5
Based on 50+ reviews
Covers your building & business property
From your storefront to your inventory, we protect the things your business depends on.
Protects against lawsuits
Liability coverage if someone gets hurt or claims damages caused by your business.
Keeps your business compliant
Meets lease or contract requirements for insurance coverage.
Peace of mind for owners
Run your business with confidence, knowing you’re protected from costly risks.
Car Insurance made simple
Personalized coverage. Trusted local guidance.
At Kwan Insurance Services, we help you find the business insurance that truly fits your operations and your industry. Whether you’re a small business owner, contractor, or commercial tenant, we work with you to choose the right protection for your needs. Business insurance protects you financially in the case of an accident, lawsuit, property damage, and operational disruptions. It’s not just required by law – it’s essential peace of mind on the road.
With access to multiple carriers, we compare quotes, explain your options clearly, and guide you through every step – so you don’t have to figure it out alone. With over 30 years of experience, we make business insurance simple, transparent, and tailored to you.
Built on trust. Backed by experience.
Here’s why people choose us for their Business Insurance
- Family-owned with personal, honest service.
- 30+ years of local insurance expertise.
- We compare top carriers to save you money.
- Support in English, Cantonese, and Mandarin.
Build a policy that works for you
Popular Business Insurance coverage
We make it easy to understand your choices. Explore the coverage options that offer the best protection for your business and budget.
What is Commercial Business Insurance and how does it work?
Commercial Business insurance helps protect you from the unexpected, whether that’s an accident on your property, a client lawsuit, stolen inventory, or a burst pipe in your workspace. It provides financial protection so you can focus on growing your business with confidence. Most policies bundle Commercial Property Insurance and Commercial General Liability Insurance and can be expanded with endorsements to match your industry needs.
See state-specific insurance exceptions
Coverage and requirements may vary by state. Check with us to see what applies in your area.
What insurance do you really need?
Property and Liability Coverage is a must, but every industry has its own risks. Here’s what to consider:
- Restaurants: Add spoilage and liquor liability
- Construction: Add contractor’s equipment and inland marine
- Retail/Offices: Add employee dishonesty and business income coverage
Let us help tailor your policy for what your industry really needs.
- Restaurants: Add spoilage and liquor liability
- Construction: Add contractor’s equipment and inland marine
- Retail/Offices: Add employee dishonesty and business income coverage
Let us help tailor your policy for what your industry really needs.
Optional coverages and special insurance options
Beyond the basics, you can provide enhanced protection depending on your operations. Options like cyber liability/data breach, employment practices liability, equipment breakdown, and broadening endorsements.
How we help you choose the right coverage
As your local broker, we listen first. We get to know your situation and guide you through your options, making sure your coverage fits your needs and budget. Whether you’re just starting out or scaling up, we’re here with honest advice and personal service.
How to get started
Simple steps to the right Business Insurance
From your first message to ongoing support, getting insured with us is easy. Here’s how we guide you through every step - with clarity, care, and no pressure.
No complicated formsFast, personalized quotes
Step 1
Get in touch
Contact us by phone, email, or online - we’re ready to help.
Step 2
Get tailored Business Insurance quote
We’ll ask a few quick questions and provide the best options for you.
Step 3
Get honest advice
Not sure what you need? We’ll explain your coverage options clearly.
Step 4
Set up your policy
When you’re ready, we’ll handle all the paperwork and get you insured.
Step 5
Rely on us for support
Have questions or need to file a claim? We’re here whenever you need us.
You’re in good company
Here is what others say
Rated 4.9 out of 5 by real clients
I called 8 different insurance companies for a landlord quote. A few companies did not offer landlord insurance coverage. Carson Kwan was highly recommended and he was professional and provided a reasonable quote compared to other companies. His staff is very kind and I would highly recommend Kwan Insurance!
Emma Buchanan
1 month ago
I took my son to get auto insurance and Karson was informative and reliable. He helped us to get a great coverage with a premium much lower that what we expected. I highly recommend Kwan Insurance.
Karen Cheng
2 months ago
Reached out on a Friday, sent link same day, I filled out application over the weekend, got quotes the following (for auto, home & umbrella) Tuesday. They told me upfront that my rates were likely the best already, but they still helped me out. The umbrella was inherited from a previous broker who had been non reponsive - and I asked if the policy could be switched over. They were able to do so in 24 hours. I am beyond relieved to find competent agents who took time to answer all my questions before even gaining my business. Thank you!
Milly Shiu
2 months ago
Karson is fantastic to work with. I was referred to him about a year ago and we now have multiple policies with his company. He always looks out for his clients and finds the best fit and price while also giving guidance on coverages specifically. Highly highly recommend!
Mino Solomon
2 months ago
Wow, Karson is extremely knowledgeable on different insurance plans. I never thought I could enjoy buying insurance but here I am. 10/10 would recommend.
Marcus Cheung
2 months ago
Highly recommend Kwan Insurance Services. I had a wonderful experience with Karson. He was very prompt, thorough and thoughtful. He took the time to explain to me options and quick to find solutions for me. I was very happy with his work. 👏👏👍👍
Edna Salinas
2 months ago
I was helped by Karson. I switched my vehicle insurance over and he was able to create a bundle with my home insurance as well.
Above all, I really enjoyed the professionalism and urgency that he showed while working on my files.
I felt secure and comfortable the entire time and have no problems recommending his services to any of my friends.
Wayne Wen
2 months ago
We had a great experience with Karson setting up insurance for our new home in California. He was extremely responsive via email and text, offered clear explanations, and provided us with everything we needed. Highly recommended!
David Thissen
3 months ago
Karson was a great agent/insurance advisor to work with when my family and I were looking for a different bundled homeowners and auto insurance provider. He was incredibly responsive and able to provide multiple quotes, along with sound advice to help me better understand the right choice for coverage. At a time when many homeowners face limited options due to insurers no longer providing coverage for California residents I felt a sense of security working with Kwan insurance.
Tiffany Zendejas
3 months ago
It was wonderful to have an agent like Karson Kwan, experience, friendly and patient, I’m absolutely delighted working with him. 😁
A F1
3 months ago
FAQ
Common Business Insurance questions asked by clients
Get quick answers to the questions we hear most - from coverage basics to claims and costs.
What’s the difference between general liability and professional liability?
General covers physical injuries or damage. A professional covers errors or negligence in your service.
Do I need commercial property insurance if I lease my space?
Yes — most leases require property and liability coverage.
Can I bundle different business coverages?
Yes! Many policies can be bundled into a Business Owner’s Policy (BOP) for better value.
Do you offer insurance for restaurants or contractors?
Absolutely! We tailor plans to fit the specific risks of your industry.
What happens if I need to file a claim — do I contact Kwan or the insurance company?
You’ll file with your insurance carrier directly, but we’ll be here to help every step of the way.
Coverage made simple
Helping local businesses stay covered, compliant, and confident
- Rated 4.9 out of 5 stars
- 30+ years of expertise
