Commercial insurance · San Francisco
Commercial insurance for studios and healthcare practices.
We find insurance for the work you do with clients and patients. We prepare your submission, take it to market, and explain which options fit your services and where the exclusions matter.
Businesses in our customer community
Your studio and your practice need different coverage.
We distinguish personal instruction from clinical treatment when approaching the market. Your services determine the policy wording we look for.
Fitness studios
We arrange commercial insurance around your classes, personal training, and the instructors who deliver them.
See insurance for this businessHealthcare services
We source business insurance for healthcare practices, separating treatment liability from the premises and employee coverage you need.
See insurance for this businessYour insurance submission
We put your actual services in front of the market.
Your actual services go in the application
Hands-on instruction, visiting practitioners, and treatments added last year are the details that decide a quote. We list them rather than letting a broad business label stand in.
Premises and professional claims separated
A slip in the studio and a complaint about care given are different allegations under different sections. We compare how each proposal responds to both and explain the gaps and limits.
Who is covered while working for you
Contractors, substitutes, and visiting specialists are not automatically insured. We establish who needs to appear on the policy and how each proposal treats them.
Know which policy covers which part of your work.
We explain how premises liability, professional liability, and employee injury coverage fit together, then compare the terms available for your business.
Choose a policy to read about
Professional liability
We compare professional liability for allegations about your instruction or treatment, including which practitioners and services the wording covers.
Read the full policy guide →General liability
We shop general liability for visitor injury and property-damage exposures, with the requirements of your premises in view.
Read the full policy guide →Workers’ compensation
We prepare workers’ compensation submissions using your staff’s actual duties and payroll, including changes in hiring or hours.
Read the full policy guide →We check the coverage behind the certificate.
Your landlord or venue may ask for a certificate. We check the policy and endorsements against the actual requirement and flag any wording that needs to change.
See what we checkGet insurance for the practice you run today.
Tell us about your services and your next renewal or opening. We will handle the submission and follow up on the insurance options.
From your service list to an insurance recommendation.
We establish the scope
We ask about your current services and planned changes, then prepare an account description that distinguishes instruction from treatment.
We approach the market
We prepare the submission and handle follow-up questions, using your existing coverage and contract requirements to guide the options we seek.
We explain our recommendation
We set out how the quotes differ, explain the exclusions and insured parties, and recommend an option with the reasons for choosing it.
An accurate submission
We describe the care or instruction you provide without collecting patient records.
Policy terms explained
We point out the exclusions and endorsements that affect your services.
A reasoned recommendation
We explain why an option fits and what limitations remain.
Does general liability cover an allegation about instruction or treatment?
General liability may exclude allegations about instruction or treatment. We compare those exclusions with the professional liability form to establish which policy addresses the services you provide.
Does an instructor’s own policy automatically cover the studio?
No. We check the instructor agreement and insurance endorsements to establish whether the studio is included. A certificate showing the instructor’s coverage does not extend that policy to your business.
What should we check before switching a claims-made policy?
We check the proposed retroactive date and reporting conditions against your current policy, including how earlier services are treated. We also explain extended-reporting options and identify continuity issues before recommending a replacement.
Taking appointments beyond your usual premises.
Adding a class in a rented room or visiting patients changes where your San Francisco business works. We review the new venue agreement and check whether the policy addresses those off-site services. If the new activity needs different terms, we pursue the available options before you rely on existing coverage.
Get to know Castro