COMMERCIAL insurance

Insurance That Works as Hard as Your Business

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Protecting California Businesses for Over 60 Years

If you're looking for commercial insurance in Los Angeles, you need more than a basic policy. You need a plan tailored to your industry, your risk, and your operations. At Derian Insurance Agency, we’ve helped small businesses, landlords, contractors, and service providers across LA and Orange County stay protected since 1964.


From general liability to workers’ comp, commercial auto, and more, our team offers hands-on service, fast quotes, and honest advice. No upselling. No getting passed off. Just reliable business coverage backed by decades of experience.

Commercial Coverage Built Around Your Business

 From contractors in West LA to landlords in Santa Monica, every business faces different risks—and a one-size-fits-all policy won’t cut it. At Derian Insurance, we tailor commercial insurance solutions to your operation, whether you’re running a restaurant in Downtown LA, managing a retail center in Century City, or maintaining apartment buildings across Orange County.


Explore coverage options by your business type or specific insurance needs.

Coverage by Industry

We build custom programs for local industries with coverage that addresses your day-to-day risks:

Buildings being constructed with a crane.

Includes Surety Bonds, Inland Marine, Workers’ Comp, Commercial Auto

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Includes Commercial Property, General Liability, Workers’ Comp, Umbrella

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Includes Garage Liability, Equipment Breakdown, Property, Workers’ Comp

Black and white building icon with multiple windows.

Includes Commercial Property, Umbrella, Vacant Building, General Liability

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Includes Property, General Liability, Cyber (placeholder), Workers’ Comp

Black and white building icon, possibly a hotel or office.

Includes Umbrella, Property, Workers’ Comp, Equipment Breakdown

Coverage by Need

If you know what you’re looking for, we also offer individual policies and flexible packages built around your risk profile:

Covers third-party injuries and property damage

Protects buildings, inventory, and equipment

Required by law for most CA businesses

Covers vehicles used for business purposes

Adds extra liability protection beyond other policies

Protects business leaders from lawsuits

Required for licensing or project completion

Covers mobile tools, equipment, and goods in transit

Covers unexpected mechanical failure

For unoccupied commercial structures

Whether you need one policy or several, our team can help you understand your options and compare rates from top commercial carriers.

After experiencing an insurance loss, it's important to take the following steps to ensure a smooth recovery process:


  1. Document the Damage: Thoroughly document all damage with clear photographs or videos. Capture all affected areas to provide evidence for insurance claims and potential disputes.
  2. Prioritize Safety: Ensure your safety first by evacuating if necessary, especially in scenarios involving structural damage, fires, or gas leaks. Contact emergency services if there are any hazards.
  3. Notify Your Insurance Company: Report the incident to your insurance company as soon as possible. Provide preliminary details and keep a log of all communications, including dates, names of representatives, and points discussed, to track your claim's progress.
  4. Prevent Further Loss: Take measures to prevent additional damage, such as covering a damaged roof with a tarp or boarding up broken windows. Wait for the insurance assessment before making permanent repairs.
  5. Keep Track of Expenses: Maintain records of all expenses related to the damage, including temporary repairs and accommodations. These records are crucial for filing your insurance claim and getting reimbursed.
  6. Engage Reputable Contractors: Once ready for repairs, hire reputable contractors, obtain multiple estimates, and verify references. This ensures quality work and helps avoid scams.


By following these steps, you can manage the situation effectively and work toward restoring your property with less stress.

Why LA Businesses Trust Derian Insurance

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55+ years insuring California businesses

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Independent agency with access to top carriers

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Local team who answers the phone—no call centers

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Honest advice tailored to your operation

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Support during claims when it matters most

We’ve helped contractors through jobsite losses, landlords through fire claims, and restaurateurs recover after equipment breakdowns. When something goes wrong, we don’t disappear—we show up.

Frequently Asked Questions: Business Insurance in CA

  • What types of insurance does my business need?

    It depends on your size, industry, and operations. Most businesses in Los Angeles need general liability, property, and workers’ comp. But many also need commercial auto, bonds, or umbrella coverage. We’ll guide you through it.

  • How much does commercial insurance cost in Los Angeles?

    Costs vary based on your industry, payroll, claims history, and location. We shop quotes across carriers and help you compare based on coverage and value—not just price.

  • Do I need workers’ comp for one employee?

    Yes. In California, almost every business with one or more employees must carry workers’ compensation insurance.

  • What’s the difference between general liability and a BOP?

    A general liability policy covers bodily injury and property damage to others. A Business Owner’s Policy (BOP) combines liability and property coverage—often at a better rate.

Let’s Build the Right Insurance Plan for Your Business

Whether you run a small shop in Venice or a portfolio of buildings in Brentwood, we’re ready to help. Get straightforward advice, fast quotes, and real support when you need it.