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Find Business Insurance Agents Near You in Santa Cruz, CA

Browse business insurance agents serving Santa Cruz, California. Updated 2026-07-14.

The top-rated business insurance agent in Santa Cruz, California is Chris Buich - State Farm Insurance Agent, rated 4.9 stars across 412 reviews. Other highly rated options include O'Brien Insurance Agency, DCD Financial & Insurance Services, Paul Nelson Insurance Services. This directory lists 18 business insurance agents serving Santa Cruz.

Showing 18 business insurance agents in Santa Cruz, CAListings are displayed in no particular order and are not ranked. Order does not constitute a recommendation or endorsement.

Comparison

Top 10 listings
#NameAddressPhone
1Chris Buich - State Farm Insurance Agent2222 E Cliff Dr Ste 200(831) 464-4300
2O'Brien Insurance Agency1722 Seabright Ave(831) 621-1311
3DCD Financial & Insurance Services1123 Soquel Ave(831) 423-8542
4Paul Nelson Insurance Services730 Mission St #201(831) 426-9900
5Skip Leonard - State Farm Insurance Agent1101 Water St(831) 429-2700
6Allstate Insurance: Pinnacle One Insurance Services1200 Pacific Ave #265(831) 459-0500
7Ace Althouse - State Farm Insurance Agent1215 Mission St(831) 420-1555
8Shockley Insurance Solutions519 Seabright Ave Suite #213(831) 600-8755
9Erin Irvine Independent Insurance Producer406 Mission St # F(408) 316-5362
10Farmers Insurance - Michael Baxter730 Mission St #201(831) 427-0900
CB
2222 E Cliff Dr Ste 200
Chris Buich - State Farm Insurance Agent
Business Insurance Agent · Santa Cruz, CA

As a business insurance agent, Chris Buich in Santa Cruz, California offers specialized liability coverage and property protection for local enterprises. It provides tailored policies for various commercial risks, from retail shops to professional offices, ensuring operations remain secure against common claims. Beyond specific protections, the agency delivers general consultation on risk management strategies for small and mid-sized businesses. As the coastal fog season approaches in Santa Cruz, it helps companies address increased moisture-related property damage and slip-and-fall liability concerns on wet walkways.

OB
1722 Seabright Ave
O'Brien Insurance Agency
Business Insurance Agent · Santa Cruz, CA

O'Brien Insurance Agency serves the Santa Cruz, California metro area as a local business insurance agent. It helps companies secure general liability coverage, property insurance, and workers’ compensation policies to protect their daily operations. Tailored guidance is provided for small to midsize enterprises navigating regional risk factors. The agency also assists with commercial auto insurance and professional liability coverage for local service providers.

DF
1123 Soquel Ave
DCD Financial & Insurance Services
Business Insurance Agent · Santa Cruz, CA

DCD Financial & Insurance Services offers a comprehensive range of commercial insurance solutions for local businesses in Santa Cruz, CA. The agency provides ongoing support through regular policy reviews and renewal consultations to ensure coverage adapts to changing operational needs. Its detailed approach includes risk assessments to recommend appropriate liability, property, and workers’ compensation plans. The company services a diverse mix of property types, including single-family homes rented as businesses, apartment complexes, retail storefronts, and independent restaurants.

PN
730 Mission St #201
Paul Nelson Insurance Services
Business Insurance Agent · Santa Cruz, CA

Businesses and property managers in Santa Cruz, California, rely on Paul Nelson Insurance Services for their business insurance needs. The agency helps local companies secure essential coverage to protect their operations, assets, and liability risks. It provides guidance on policies tailored to various industries, ensuring appropriate protection for each client’s specific situation. Paul Nelson Insurance Services also serves clients in the neighboring community of Capitola and other parts of the Santa Cruz metro area.

SL
1101 Water St
Skip Leonard - State Farm Insurance Agent
Business Insurance Agent · Santa Cruz, CA

Skip Leonard - State Farm Insurance Agent in Santa Cruz, CA offers business insurance on a one-time policy basis for specific needs such as event liability, as well as recurring annual or multi-year coverage for ongoing operations. These policies protect businesses from property damage, liability claims, and income interruption common to the local area. Potential clients can schedule an initial consultation to review their exposures, and all service runs on a one-time consultation or as-needed basis for policy adjustments.

AI
1200 Pacific Ave #265
Allstate Insurance: Pinnacle One Insurance Services
Business Insurance Agent · Santa Cruz, CA

Allstate Insurance: Pinnacle One Insurance Services serves the Santa Cruz area and its surrounding coastal and valley communities, handling commercial insurance for local businesses. It offers coverage solutions that address the unique operational risks faced by companies in this region, from retail shops to professional offices. The agency develops a tailored risk management strategy, beginning with a thorough assessment of each client’s exposures and then aligning policy options to protect their assets and operations.

AA
1215 Mission St
Ace Althouse - State Farm Insurance Agent
Business Insurance Agent · Santa Cruz, CA

Ace Althouse - State Farm Insurance Agent in Santa Cruz, CA, specializes in business insurance coverage to protect commercial property, liability, and continuity of operations. The agency also assists local employers with general insurance planning for their unique risks and employee needs. During the busy summer tourism season, it helps Santa Cruz businesses adjust coverage to address increased foot traffic and temporary staffing liabilities.

SI
519 Seabright Ave Suite #213
Shockley Insurance Solutions
Business Insurance Agent · Santa Cruz, CA

As local businesses in Santa Cruz prepare for the rainy season, securing proper coverage for flood and storm damage becomes a vital priority. Shockley Insurance Solutions addresses these concerns by evaluating unique operational risks for startups and established enterprises alike. The agency consults with owners to recommend general liability, property, and workers’ compensation policies tailored to coastal business challenges. This process begins with a detailed walkthrough of the commercial premises to assess exposures and verify building conditions before presenting coverage options.

EI
406 Mission St # F
Erin Irvine Independent Insurance Producer
Business Insurance Agent · Santa Cruz, CA

Erin Irvine Independent Insurance Producer arranges residential coverage for homeowners and renters in Santa Cruz, California. Commercial policies are also available, designed to protect area small businesses from common liability and property risks. The agency serves clients throughout Santa Cruz County, assessing individual needs for general business insurance. Appointments are typically followed by prompt documentation and clarification of policy terms, with continued service maintained between regular visits for policy reviews or adjustments.

FI
730 Mission St #201
Farmers Insurance - Michael Baxter
Business Insurance Agent · Santa Cruz, CA
NI
300 Panetta Ave
Nonprofits Insurance Alliance
Business Insurance Agent · Santa Cruz, CA
(800) 359-6422
insurancefornonprofits.org
BN
2035 N Pacific Ave
Bedell & Nelson-Harbert Insurance
Business Insurance Agent · Santa Cruz, CA
(831) 426-3700
CP
2035 N Pacific Ave ste a
Clarion Pacific Insurance Services
Business Insurance Agent · Santa Cruz, CA
(831) 337-4661
clarionpacificinsurance.com
DR
542 Ocean St #J
D and R Insurance Services
Business Insurance Agent · Santa Cruz, CA
(831) 427-3272
mercuryinsurance.com/local/d-and-r-insurance-services-045022.html
SI
133 Mission St
SteelBridge Insurance Services
Business Insurance Agent · Santa Cruz, CA
(831) 226-8500
FI
410 Ocean St
Farmers Insurance
Business Insurance Agent · Santa Cruz, CA
(831) 423-7163
agents.farmers.com/ca/santa-cruz
FI
410 Ocean St
Farmers Insurance - Mark Battey
Business Insurance Agent · Santa Cruz, CA
(831) 423-7163
agents.farmers.com/ca/santa-cruz/mark-battey
CI
201 River St Suite 102
Cecy Insurance Services
Business Insurance Agent · Santa Cruz, CA
(831) 477-1730
cecyinsurance.com

What Does a a Business Insurance Agent in Santa Cruz Cost?

Typical costs for a business insurance agent in California vary widely by industry location and coverage limits. A small retail shop in Santa Cruz might pay 500 to 1,500 dollars per year for general liability insurance. A restaurant with higher risk may pay 2,000 to 5,000 dollars annually. Workers compensation costs depend on payroll and classification codes. This is general information not insurance advice.

About business insurance agents in Santa Cruz

Business insurance agents in Santa Cruz California help local entrepreneurs secure coverage for their shops restaurants and service providers. California law requires workers compensation insurance for most employers with at least one employee. An agent can guide you through state specific requirements like the California Commercial Property Insurance regulations and help you find policies that match your Santa Cruz business needs.

Frequently Asked Questions

What types of business insurance do I need in Santa Cruz?

Most businesses in Santa Cruz need general liability insurance workers compensation insurance and commercial property insurance. If you have a vehicle for business use you may also need commercial auto insurance. Your agent can help you assess risks specific to your industry.

Does California require business insurance for a home based business?

California does not have a single law requiring business insurance for all home based businesses. However if you have employees you must carry workers compensation insurance. Your homeowners policy may not cover business liabilities so a separate business owner policy is often recommended.

How do I find a licensed business insurance agent in Santa Cruz?

You can verify an agents license through the California Department of Insurance website. Look for agents with experience in your industry and ask about their knowledge of local risks like earthquakes or wildfires. Many agents offer free initial consultations.

Business Insurance Agents in Other California Cities

Listings are compiled from publicly available information. Inclusion does not constitute endorsement. Verify each business insurance agent's credentials and current standing with your state Department of Insurance.