Commercial Insurance Guides & Resources

Plain-English guides from Focus West Insurance Solutions — a licensed West Coast brokerage (CA Lic. #0M32679). Browse coverage explainers, workers' comp by state, employee benefits, and insurance by your trade or restaurant type. Or jump straight to a 24-hour quick quote.

Coverage explained

General liability (CGL)
Liquor liability
Hired & non-owned auto (HNOA)
Additional insured
Certificate of insurance (COI)
Business Owners Policy (BOP)
Full insurance glossary →

Workers' compensation

WC in California (guide)
What is an X-Mod?
Premium audit checklist
Washington (L&I)
Oregon · Nevada
Idaho · Utah
Arizona · Hawaii

Employee benefits

Employee benefits (guide)
ICHRA · stop-loss · ALE

Contractor insurance by trade

General contractor (B)
Roofing (C-39)
Plumbing (C-36)
Electrical (C-10)
HVAC (C-20)
Concrete (C-8) · Framing (C-5)
Painting (C-33) · Masonry (C-29)
Landscaping (C-27)
Contractor overview →

Restaurant insurance by type

Bar & tavern
Nightclub
Food truck
Catering
Brewery, taproom & winery
Restaurant overview →

Transportation & trucking

For-hire trucking
Owner-operator
Hotshot trucking
Refrigerated (reefer)
Box truck & local delivery
Transportation overview →

Captive insurance programs
News & articles

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General information from Focus West Insurance Solutions (CA Lic. #0M32679); not legal, tax, or coverage advice. Coverage availability and terms vary by carrier, operation, and state.