- 15840 Ventura Blvd, Suite 203, Encino, CA 91436
- info@goldbridgeins.com
- 888‑590‑2667
Goldbridge Insurance Services
A brokerage built around workers’ compensation, placing the whole program around it. Encino based, writing across California and nationwide.
Most businesses do not have an insurance problem. They have a structure problem. The policies exist, the premiums get paid, and then a claim exposes a classification that was never right, a limit that was never checked, or a coverage nobody bought because nobody explained it.
We are a commercial brokerage built around workers’ compensation, which is the line that costs California employers the most and the line that rewards precision more than any other. We place the rest of the program around it.
Below is every coverage we write, organised by when you need it rather than by category.
Property, general liability and business income bundled into one contract for eligible small and mid-size businesses. Often a better form than buying the pieces separately, not just a cheaper one, because the BOP carries no coinsurance clause and business income comes in automatically. Worth checking whether you qualify before assuming you need a package policy.
Mandatory in California from your first employee. Your premium is driven by classification codes, payroll allocation and your experience modification, and all three are places where businesses quietly overpay for years. This is what we do most and what we are best at.
Wrongful termination, discrimination, harassment and retaliation claims from employees, former employees and applicants. California discrimination protections start at five employees, but harassment liability applies to employers of any size, and employees have three years to file. The wage and hour exclusion is the thing most owners get wrong.
Bodily injury and property damage to third parties, plus personal and advertising injury. The policy that satisfies most certificate requirements and the one your customers will ask to see.
Buildings, contents and business income. The two decisions that determine your claim are replacement cost versus actual cash value, and whether your limit satisfies the coinsurance requirement. Construction costs have outrun most policies’ automatic inflation factors, which is how accounts drift into a penalty without anyone changing anything.
Owned vehicles, hired autos and employees driving their own cars for work. The covered auto symbols on your declarations page decide which vehicles actually respond, and under symbol 7 a newly purchased truck has to be reported within 30 days or it is not covered at all.
Additional limits above your primary policies, usually the cheapest way to meet a contract demanding $5 million. What it sits over is defined by the schedule of underlying, and what is not on that schedule is not covered, which routinely surprises people about EPLI and professional liability.
Machinery, tools, rented equipment and materials at job sites or in transit. Your commercial property policy covers business personal property within 100 feet of the premises, with an off-premises extension commonly capped at $10,000. One machine can exceed that, which is why anyone with equipment in the field needs this as a separate line.
Breach response, notification, business interruption, ransomware and the wire that went to the wrong account. California gives you 30 days to notify affected residents and gives them a private right of action worth $100 to $750 each per incident. Check your funds transfer fraud sublimit, because it is usually a fraction of the headline limit.
Claims that your advice or work product caused a client a financial loss, which general liability does not answer. The clause that decides your coverage is the definition of professional services, not the limit. Design professionals should also know how California limits contractual indemnity obligations.
Employment and liability exposures follow people and operations rather than industry labels, and we can write commercial auto for any class. These are the sectors we spend the most time in and know the best:
Not on the list? Call us. It is almost certainly a class we can write.
We read the declarations pages. Most of what we find is on documents the client already has and has never been walked through. Class codes, covered auto symbols, retroactive dates, coinsurance percentages, sublimits.
We present the account properly. The spread between a well-prepared submission and a careless one on the same business is wider than the difference between carriers. Classification accuracy, a clean loss narrative and documented controls change the terms you get.
We tell you when it is already right. Not every review turns into a policy change, and saying so is how we would rather build the relationship.
A review takes very little from you. The more of this you have, the faster it goes:
Missing pieces is normal. Send what you have.
Send us your declarations pages and we will tell you what is structured correctly, what is not, and what is missing. No obligation, and if the program is already built right we will say so.
Request a Review Call (888) 590-2667
Or start here. Tell us what you carry now and we will reply the same business day with exactly what we need.
This page is general information about commercial insurance coverages. It is not legal advice and it is not a description of any specific policy. Coverage is determined solely by the terms, conditions and exclusions of the policy you hold. Goldbridge Insurance Services is a DBA of Sass Enterprises, LLC.
