Property & Casualty

The coverage and protection every business needs

Your business is unique and so are your needs.  Experience C3’s journey through “Discovery” and feel the difference of a team that truly understands you and your business.  We tailor solutions to keep your business flourishing through any unforeseen incident. 

Workers’ Compensation

Required of all businesses in 49 states, workers’ compensation protects employees and employers from financial loss resulting from an employee’s injury, disablement, or sickness from a work-related cause.  State requirements vary as some only require workers’ compensation after a certain number of employees are hired.

Although mandated, workers’ compensation premiums and limits can vary drastically.  We’ll guide you through regulations and provide solutions to reduce the risk to your company and team members.  We will help you lower your cost and partner with you to build and sustain a safe and engaging environment for your employees.

General Liability

Are you confident your business is protected from claims that happen as a result of normal business operations?  General liability, also known as business liability, provides coverage for injuries, medical payments, advertising injury, property damage caused by employees, and much more.

C3 will ensure your business has the appropriate coverage based on your specific needs.

Commercial Auto

You rely on your vehicles and drivers to keep your day-to-day operations running safely and efficiently.  But the road can be unpredictable, and a routine trip can quickly turn calamitous due to weather, other drivers, and road conditions.

As a proud partner of the California Trucking Association, Trucking Proud (a C3 Risk & Insurance company), leverages decades of experience in short-haul and long-haul trucking to support your safety, training, and commercial auto coverage needs.

Commercial Property

It is critical as business owners and managers to safeguard your company and physical assets.  Commercial property insurance helps protect your property that is damaged or destroyed as a result of weather disasters, building collapse, equipment damage, fire, vandalism and theft, and more.

Directors & Officers

Company leaders make decisions every day that have small and large impacts on your business.  Directors & Officers insurance protects your business leaders from personal losses in the event a claim or lawsuit is filed against them personally.  D&O can cover legal costs, settlements, and other costs associated with wrongful act allegations.

Errors & Omissions

We all make mistakes – we’re human after all!  Errors and mistakes when providing a professional service to your clients can leave you exposed to litigation and allegations of breach of services or wrongful business practices.  E&O insurance protects you in these scenarios from the financial burden of defense costs, settlements, fines or penalties.


Unfortunately, ransomware, data breaches, and other cyber crimes have become a common occurrence to all businesses.  As a victim of a cyber attack, cyber insurance can help restore customer and employee sensitive information, repair damaged networks and help you recover compromised data that could have significant financial impacts to your business.


Your company’s projects and contracts can tie up capital and impact your ability to compete for additional business.  Whether you’re managing complex projects or small-scale contracts, C3’s dedicated team possesses the experience to find solutions that will satisfy your bond requirements, free up funds, reduce debt, and enable you to focus on the present and future growth of your business.