Business Insurance

Business Insurance California

Business Insurance California

Even though no one knows your business like you do, selecting the right insurance plan to protect you for your business isn’t always easy. That’s why we offer a wide variety of commercial insurance programs so you can be presented with the right policy that meets all your perils. We have the experience and solutions to protect our commercial insurance clients in California, San Francisco, San Jose, throughout the Bay Area, and across the country.

At Cook, Disharoon & Greathouse, we’ll customize a tailored business insurance in California plan to best cover your property, liability, and casualty exposures. On top of that, we’ll be involved in an ongoing capacity to ensure you mitigate new risks and keep your premiums level. We also offer consulting and risk management services to further protect your business.

No matter your industry, we can create a package that protects your business. Contact us today, or fill out a quote form, to learn more about what we can do for you for business insurance in California.

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Some of the Business Insurance in California services include:

  • Business Owners Packages (BOP)
  • Business Umbrella Policies
  • Errors and Omissions
  • Business Overhead
  • Inland Marine
  • Builders Risk
  • Tailored Packages for Strip Centers
  • Business Personal Property
  • EPLI – Employment Practices Liability Insurance
  • Church
  • Professional Liability Insurance
    • Directors & Officers
    • Painters
    • Liquor Liability
    • Landscapers
  • Service & Repair Insurance
    • General Repair Shops
    • Garage Keepers
    • Auto Body Shops
  • Equipment Floater
  • Special Event
Commercial Auto

Commercial Auto

Don’t leave all of your hard work exposed to the risk of being swept away by a single collision! With commercial auto insurance, you insure any vehicles used for business purposes against physical damage and liability.

Your commercial auto insurance can protect cars, trucks, or an entire company fleet.

Depending on the type of policy you select, you can cover:

  • Bodily Injury Liability Coverage, which pays for any injuries – or even deaths – resulting from an accident caused by a driver named on your policy in a vehicle you’ve insured. This coverage also offers legal defense.
  • Property Damage Liability Coverage, which protects you against the cost of any resulting damages to another person’s property, plus legal defense.
  • Medical Expense Coverage, which covers the costs that arise because your inured driver and passengers were injured during the incident.
  • Comprehensive Coverage, which protects your company cars against non-collision damages like theft or fire.
  • Uninsured Motorist Coverage, which covers your costs if another person who doesn’t have insurance causes an accident.
  • Collision Coverage, which pays to repair or replace your vehicle after an accident.


We have decades of experience providing contractors and all sized businesses with the right bonds to meet their surety needs. We’ve developed trusted partnerships with top-tier sureties so we can place even the most difficult bonds.

Some types of bonds we offer include:

  • Contract Bonds, guaranteeing the project owner that the project will be completed according to the contract’s specifications. Contract bonds can be bid bonds, performance bonds, supply bonds, payment bonds, or maintenance bonds.
  • Commercial Surety Bonds, guaranteeing that non-contracted business obligations will be met. These types of bonds include court bonds, miscellaneous bonds, and license and permit bonds.
  • Subdivision Bonds, guaranteeing that the developer will complete the promised land improvements in compliance with municipal, county, or state regulation.
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Commercial Building Property

Commercial Building Property

We insure office building owners, apartment owners, and all other commercial property owners. We know that you face a unique set of challenges as a commercial property owner, so we partner with you to provide the policies you need at the prices you deserve.

Our pricing plans are both flexible and affordable so that we can help you get the most protection. We’ll look at your specific needs, loss history, and risk management efforts and help you tailor your deductibles, limits, and requirements to optimize your coverage while minimizing your cost.

Here are just a few of the different types of commercial property insurance coverage we offer:

  • Buildings and other structures
  • Furniture & Equipment
  • Inventory
  • Records
  • Computers
  • Improvements to Property
  • Earthquake
  • Glass & Fine Arts
  • Outdoor Fences and Walls
  • Employee Benefits Liability
  • Employers Liability
  • Hired and Non-Owned Auto Liability
  • Owned Commercial Auto


Cook, Disharoon & Greathouse has experience protecting farms and ranches of all types and sizes throughout the state of California. We tailor dependable coverage for farming operations, ag processors, farm machinery contractors, cattle and dairy farmers, crop dealers, orchards, vineyards, wineries, warehouses, and custom harvesters.

We’ve partnered with virtually every agribusiness insurer so we can offer you the best policy options, balancing your risk protection with your budget. Furthermore, we can help you qualify for credit-based premium reductions.

We offer our agribusiness clients:

  • Property Coverage
  • Liability Coverage
  • Auto Insurance
  • Business Packages
  • Farm/Ranch Coverage
  • Umbrella Liability Coverage
  • Employee Benefits
  • Workers’ Compensation
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General Liability

General Liability

No matter your business size or industry, you absolutely need liability coverage. Protect your business from the cost of accidents or injuries that occur on and off your business premises with general liability insurance.

Finding the right general liability coverage to pair with your property and workers’ compensation policies isn’t always easy. That’s why we’re here to help. Let the experienced professionals at Cook, Disharoon & Greathouse help you choose the right policy to protect you against a personal injury or property damage lawsuit.

Workers' Compensation

Workers' Compensation

In the state of California, workers’ compensation is non-optional. Your business is legally required to protect its staff by insuring them against the medical expenses and lost wages that could arise as the result of a workplace injury or illness.

Our goal is to work with you to choose the right workers’ comp coverage, then take steps to reduce your insurance costs through means like safety programs. We’ll tap our resources at our large network of companies to find the perfect policy to protect both your business and your team.

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General Liability

General Liability

We have decades of experience providing contractors and all sized businesses with the right bonds to meet their surety needs. We’ve developed trusted partnerships with top-tier sureties so we can place even the most difficult bonds.

Some examples of coverage we offer contractors include:

  • General Liability Insurance, which protects you against claims and lawsuits resulting from an accident or injury on the job.
  • Tool & Equipment Coverage, which safeguards everything from your smaller hand tools to your welders, generators, nail guns, and more.
  • Workers’ Compensation, which protects your employees against medical expenses and lost wages if they are injured on the job and is legally required in California.
  • Builders Risk, which can cover the expense of physical damage to your property while it’s under construction.
  • Business Auto Insurance, which covers any vehicles you use in your business operations.

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Our Companies

Cook, Disharoon & Greathouse is proud to offer coverage through some of the most distinguished, highest rated insurance companies in our industries. We have partnered with multiple companies so we can provide you with multiple quotes and options, ensuring you get the best policy at the best price.

Get the best policy at the best price!

Contact us today, or fill out a quote form, to learn more about what we can do for you