Business insurance for California companies
GTRZ Insurance Services places general liability, workers' compensation, commercial auto, property and umbrella insurance for California businesses. We're based in Fresno. After the policy is bound, we handle certificates of insurance, premium audits, claims and mid-year changes.
Get a quoteor call (559) 296-8834
Types of business insurance we place
- General liability
- Pays when someone outside your company says your work, your product or your premises hurt them or damaged their property.
- Workers' compensation
- Covers medical bills and lost wages when an employee is hurt on the job. California requires it once you have employees.
- Commercial auto
- Covers the vehicles your business owns or uses, including the vans and buses that move crews.
- Property
- Your buildings, equipment and inventory.
- Umbrella
- Extra liability limits on top of your other policies. Contracts often require it.
Certificates, audits, claims and policy changes
- Certificates
- Proof of coverage your customers or general contractors ask for before you start a job. We turn them around so the job doesn't wait.
- Audits
- The year-end check of your payroll or sales that settles your final premium. We help you get the numbers right so the bill isn't a surprise.
- Claims
- We help you report it and stay on it with the carrier.
- Changes
- New hires, a new truck, a new contract with different insurance requirements. Tell us and we update the coverage.
Business insurance questions
Do I need workers' comp in California?
Yes, if you have employees, even one. California law requires it.
What is a certificate of insurance?
A one-page document that shows a customer or general contractor that you carry the coverage their contract requires. Many won't let you start a job without one.
What is a premium audit?
After the policy year ends, the carrier checks your actual payroll or sales to settle your final premium. If your numbers grew, you may owe more. If they shrank, you may get money back.