Your West Coast Commercial Insurance Brokerage

Insurance built to protect everything you've built.

Focus West Insurance Solutions is an independent brokerage placing every line of commercial coverage — from a single policy to a complete risk program — with the carrier relationships and claims advocacy that mid-market businesses depend on.

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All lines
placed under one broker
From general liability and property to commercial auto, workers' compensation, bonding, and employee benefits — we write every line of coverage, for businesses in virtually any industry.
Specialty
programs & market access
Beyond traditional carriers, we have access to limited-distribution markets, wholesalers, and program carriers that write coverage built specifically for your industry.
Hands-on
claims advocacy
Claims advocacy means we stay involved after the sale — actively monitoring your claims alongside a dedicated third-party claims partner and pushing for a fair, timely resolution.
Construction safety hard hats on a job site Commercial restaurant kitchen with stainless cooktop Commercial truck at a logistics loading dock
ContractorsSpecialty programs for contractors and the trades
Independent & carrier-neutral
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.

Commercial truck at a logistics loading dock
03

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 →

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.

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.

01

Listen & assess

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

02

Market your account

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

03

Place & service

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

04

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.

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

Tailored Insurance to Safeguard Your Future

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