Commercial Insurance

With a Human Touch

Apex was specifically founded to fill the service and consultative gap left by agency consolidations in the insurance marketplace.

These consolidations have left customers who are used to a boutique service approach with no personal connection to their team.

Apex brings the high-touch service proposition back to the San Diego business community, and beyond.

Find Out What You’ve Been Missing

Liability

  • General Liability

    Bodily injury and property damage to third parties, period. This is the foundation of any complete insurance program.

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  • Product Liability

    If you build something, make something, or distribute something, this is a must-have.

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  • Auto Liability

    Not your parents’ car insurance, auto liability covers commercial vehicles during work activities.

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  • Umbrella

    Lays over the limits of general, property, and auto liability to give you the higher limits you need.

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  • Global Liability

    Do your operations take you abroad? This coverage broadens the coverage territory to protect your employees, customers, and vendors.

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  • Bailees

    When you are responsible for another person’s property, in transit or in your stationary care, you are a bailee and your risk must be mitigated.

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  • Garage Keepers

    From trucks to luxury cars, garage keepers covers autos in your care.

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Property

Protects your specialty equipment, tools and materials, on-site/off-site and beyond.

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The coverage that maintains your income stream after a significant loss so that you can keep paying your mortgage, and your key employees, and get your business back up and running. Lack of appropriate limit in business income is the #1 reason that a previously successful business fails to reopen following a catastrophic loss.

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Do you own or occupy an older building? This coverage guarantees you have enough limit to build the structure back to current building codes and standards.

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Not actually boat-related at all – includes transport and shipping coverage.

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Planes, trains, and automobiles – If your inventory or work-in-process travels the globe, cargo coverage is crucial to protect your valuable assets.

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Executive Protection

  • Directors & Operators

    Covers your Directors, Operators and key employees from allegations of mismanagement. D&O coverage is very broad and a must for the private company as they raise capital, negotiate contracts, and accelerate growth.

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  • Employment Practices Liability Insurance (EPLI)

    The most common claims brought to a business owner are employment-practices related claims. Don’t let a wrongful termination, harassment, or discrimination claim handcuff you from running your business. This shift the responsibility of defending claims from your team to the insurance company.

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  • Cyber Errors & Omissions

    Ask not what your data is worth to someone else, but what is your data worth to YOU. Cyber insurance is now a must-have for anyone that relies on a digital infrastructure to run their business.

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  • Representations & Warranties

    Buying or selling a business? R&W liability can protect both parties and unlock escrow funds earlier and shift the risk of breach to the insurance policy.

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  • Intellectual Property Liability

    Helps pay for infringement proceedings against your IP – or defense if you infringe.

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  • Trade Credit

    If you have receivables upon which you depend for your ongoing operation or for access to lines of credit, trade credit can protect against default of your customers, or help you access more funds or better terms from your creditors.

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Employment Protection

A need-to-have, and a significant cost for most business owners. The market shifts daily and your broker should work hard to get the best it has to offer.

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You have to trust your employees, but if they betray that trust, employee fidelity will replace what they took, be it cash, inventory, or resources.

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Covers mistakes made in the administration of your employees’ benefits.

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No one wants to imagine violence in their workplace, but in the event of the unimaginable, your business will go on.

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TOP 10 MOST COMMON INSURANCE MISTAKES

Client Testimonials

Pete helped us sort out a really complex coverage issue, made worse by the pandemic and changing fire zones.  Thanks for all your help. We’re truly grateful.

Our company has elevated risk because of our client base, Pete helped us understand our options and make a decision based on fact instead of fear.

We were tired of only hearing from our broker when it was time to renew. I knew Pete would take good care of us and he has. It’s not easy to remember all the stuff he seems to remember. We got some coverage at a better rate, added some stuff we didn’t know we needed and put all our personal insurance in the same basket so now we can keep track better.

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