Business Insurance

Business Insurance Done Easy!


Every business requires insurance to shield it from claims and property damage costs. Without this sort of insurance, you could wind up paying for all the payments out of pocket for the resulting damages. For example, you could easily rack up debt if there are any legal cases against your business.

Since there are different kinds of business insurance, owners must know which ones to get. A business owner should pick a  policy that is suitable for their business. This type of policy combines coverage for property, liability, and income.

Entrepreneurs and small business owners can also benefit from workers’ compensation coverage. This sort of financial-related help is given to employees if they encounter an accident or sickness due to work. For example, if you have a worker who has a back injury due to lifting an overwhelming bit of gear, this insurance will take care of the medical expense of the worker.

Another type of insurance you may require as an entrepreneur is Employer Practice Liability Insurance. It gives security in case some workers are expelled from their job even though they are not to blame.

Saberlines Insurance has partnered with Top Rated Insurance Companies to offer Commercial Insurance products in CA, NV, AZ, and TX.

At Saberlines, we focus on providing excellent services and products. We specialize in small to medium-sized organizations with low to moderate-risk exposures.

While an ever-increasing number of organizations have started to understand the significance of protection for their organization, numerous proprietors are not keen to pay for it. At some point, you are not required to have insurance coverage. However, setting it up can ensure you are protected in critical circumstances.

Luckily, there are a lot of alternatives that are accessible. Most states have a specific measure of insurance required, such as workers’ compensation. This type of coverage is a necessity.

Though unfortunate events can occur, including theft, lost wages of your staff members, and injured laborers, you will most likely be unable to pay them out of your pocket. In such a situation, Insurance for your business turns out to be critical.


  • Coverage available in CA, AZ, NV & TX.
  • Over 1,000 eligible classes of business.
  • Competitive Rates

We can Quote, Bind, and Issue coverage in as little as 30 minutes.

Learn more by contacting our agents today!

Send your questions via email:

We offer simple, no-hassle telephone quotes for business insurance. A quote is prepared and generated in minutes if basic quote information is needed. We offer numerous alternatives for payments, and certificates of insurance are issued within the hour.

Insurance Products Custom Fitted Specifically For Small Enterprises.

Insurance options for products may incorporate general liability, property, professional liability, executives' and officials’ liability, and employment practices liability coverage through one application, on one policy, with one carrier.

Get an instant response and a quote within minutes!

Call Now 866-747-4242

Contractors General Liability

Contractors can encounter various difficulties in their daily work. You ought to be well equipped with insurance intended for contractual workers when catastrophes hit. This insurance includes various policies but regularly covers general contractual workers, including business risk and property.

There are various kinds of insurance, yet it doesn’t mean you need to get every one of them. You only need to pick, in any event, one that suits your circumstance and tasks. An example is general risk insurance, which is ordinarily helpful for most temporary workers. Likewise, others benefit from commercial property insurance and the builder’s risk type of coverage, contingent upon the business itself.

Saberlines offers insurance coverage that will work for you. We can package the insurance into a business owner policy (BOP), so you can get the coverage you need at a reduced rate. To get familiar with this program or other specialty insurance programs, contact us today by telephone or email.

We aim to provide you with MULTIPLE competitive quotes with adaptable payment terms to give you more choices. We make sure to call to attention the contrasts between recommendations so that our customers can make an informed choice.

Call: 866-747-4242 or email us at:

Most importantly, you will require the following to protect your job:

  • General Liability: This type of insurance will cover lawsuits your business can get from third parties.
  • Commercial Property: This type covers fixes or substitutions you may need when the business property is damaged.

There are different kinds of commercial insurance products that you may encounter. However, it is best to be familiar with them first and, on these lines, understand which ones work best for your business and its operation.

Get in touch with us today for a quick quote. Apply now to shield your business against potential risks.

General Liability provides coverage for small to medium-sized contractors, commercial and residential work, and it contains the following endorsements:

  • Blanket Additional Insured support.
  • Waiver of Subrogation.
  • Primary non-contributory wording

Limits available up to $5,000,000 with A++-rated carriers can be quoted and issued via telephone, with numerous installment options available.

Use our online forms to submit a request for business, individual, or workers' compensation quotes.

If it is only “General Liability” your business needs, at this point, look no further than Saberline's speedy Quote and Bind in 30 minutes by calling us.


  • Sub-Contracted work up to 50% of total revenue.
  • Gross Sales up to $2,500,000.
  • No Limit on Payroll.
  • A++ Rated Insurance Carriers.
  • New Ventures are accepted.
  • No Exclusion for New Construction Work.
  • Full Occurrence based policy, not Claim based!
  • Primary Wording & Waiver of Subrogation at no extra charge.
  • Additional Insured with Completed Operations.


  • Framing Contractors
  • B Licensed Remodeler
  • Handyman
  • Plumbers
  • Electricians
  • Painters
  • Janitorial
  • Carpet Cleaning
  • Door/Window Cleaning
  • Driveway/Paving
  • Masonry
  • Tile/Stone
  • Concrete
  • Fencing
  • Siding and more!


  • Excavation Contractor
  • Grading Contractor
  • Paving Contractor
  • Landscaping Contractor
  • Plumbing Contractor
  • HVAC Contractor
  • Electrical Contractor
  • Specialty Contractor

Restaurant Package Insurance

A rated carrier offers this program for family-friendly restaurants, fine dining, casual dining, fast casual, local grilles, and private dining clubs. Coverage includes general liability of $1 million/$2 million, liquor liability of $1 million/$1 million, and property coverage, workers comp insurance program for restaurants with delivery operations.

Special Events Insurance

Coverage available for conventions & fairs, conferences & meetings, festivals, weddings & shows, including host liquor liability and general liability up to $2 million

Workers’ Comp- Instant Rates Available Now!

We can offer instant workers’ comp rates for the following classes of business!

  • Restaurants or Bars
  • Plumbing
  • Automobile Service or Repair
  • Building & Property Management
  • Real Estate Firms
  • Moving and Storage Companies
  • Heating and Air Conditioning
  • Janitorial Services by Contractors
  • Landscaping and Gardening
  • Local Trucking

Are you having trouble finding Workers’ Compensation coverage?

Saberlines Insurance is here to help! Our agency has access to over 20 top-rated insurance companies for hard to insure business; some of the types of business they will consider:

  • Automotive
  • Contractors
  • Transportation & Trucking
  • Manufacturing
Saberlines Insurance Services

Contractors Insurance


Contractors insurance is specified coverage for individuals or companies in the construction, remodeling, repairing, or servicing of structures (buildings, roads, tunnels, bridges, Etc). The structure can be residential, commercial, or industrial, and insurance can protect the contractor from financial debts resulting from work-related claims.

Contractors need suitable, adequate coverage limits depending on their specialty, the type of work involved, such as a specific trade, the size of projects they normally undertake, and the liability limits required by the project owner or developer.

Saberlines’ agents can help protect your business against lawsuits and other liabilities. Our contractor’s insurance stands out, with customized coverage and lower premiums.

Perfect Insurance For Contractors

We’re always enthusiastic about how flexible our insurance products are for artisans and contractors. With plenty of available options and discounts, this product is worth checking out next time you shop for insurance. This is especially true if you are overloaded with choices when shopping for insurance. Call us to cut the noise and learn how to decide on the best coverage.

Call or Email for a quote! 866-747-4242

Program Highlights

  • Artisan contractors
  • Light to medium commercial work.
  • Liability limits up to $1 Million  CSL
  • New ventures welcome
  • Multiple payment options
  • Exceptional claims service
  • Online portal for insureds
  • “A” Rating by A.M. Best

Available in: AZ, CA, NV, and TX.

Contractors' Personal Property Coverage

  • Tools / Equipment limits up to $10,000
  • Installation Floater limits up to $10,000
  • Theft deductibles as low as $500

General Liability

  • Commercial and residential projects accepted
  • Blanket Additional Insured endorsement included at no charge

Excess Liability

  • Limits up to $5,000,000

Professional Liability

  • Limits up to $2,000,000

Pollution Liability

  • Limits up to $2,000,000

Builder’s Risk

  • Covers buildings and structures during construction, erection, or fabrication, for home builder’s renovations...

Who Needs Contractors Insurance?

Contractors, subcontractors, and independent tradesmen must carry enough commercial insurance before starting work for developers, property managers, homeowners, public agencies, or other entities that hire contractors to perform work.

Remodeling: The complete updating and/or expansion of a structure, cosmetic changes to major structural renovation.

Installation: Install a single feature like cabinets, HVAC units, signs, etc.

We offer an enhanced General Liability, Umbrella, and Excess insurance program from several top-rated and non-admitted insurance providers. We also offer various contractors’ classifications and programs within CA, AZ, NV & TX. An insurance program is available for Specialty Contractors or Artisan Contractors whose work is primarily one specialty and are engaged in one of the following trades.

  • Air conditioning, heating or combined systems or equipment installation, service, or repair (no liquefied petroleum gas equipment work)
  • Appliances and accessories installation, service, or repair
  • Carpentry, both interior and residential property construction
  • Carpet, rug, furniture, or upholstery cleaning on customer’s premises
  • Metal ceiling or wall installation
  • Metal door, window, or assembled millwork installation
  • Decorative or artistic metalwork installation
  • Concrete construction
  • Driveway, parking area, or sidewalk paving or repaving
  • Drywall or wallboard installation
  • Electrical work within buildings
  • Fence erection
  • Floor covering installation
  • Tile, stone, marble, mosaic, or terrazzo work
  • Glass dealers and glaziers installation
  • Furniture or fixtures installation
  • Interior decorators
  • Lawn sprinkler installation
  • Landscape gardening (no tree removal or excavation)
  • Masonry
  • Painting, paper hanging, plastering, or stucco work
  • Sign painting inside buildings (no spray painting)
  • Plumbing
  • Refrigeration systems or equipment installation, servicing, or repair
  • Roofing
  • Septic tank systems cleaning
  • Siding installation
  • Window cleaning
Saberlines Insurance Services

Our tailored coverage can be much more affordable than most insurance companies, with proof of coverage, great customer service, follow-ups, and payment plans.

We offer general liability, commercial auto insurance, workers' compensation, surety bonds, umbrella, and excess. We understand that changes in construction plans occur frequently. Therefore, we offer coverage tailored to help clients avoid potential coverage lapses.

Other contractor's insurance that we offer includes:

  • Builder’s risk
  • Contractor’s equipment
  • Project-specific limits
  • Professional Liability

Wondering where to go for large Contractors' Insurance?
Contact us today!

We now offer Lower Insurance Rates for Framed Construction in California!

  • Ground up/Remodel
  • Commercial/Residential

General Liability For Contractors


General Liability is the basic minimum required insurance for contractors. We can bundle general liability coverage, including commercial property, with other insurance products when required. We offer a BOP (Business Owner Policy) that will offer more coverage at a lower premium than obtaining separate policies. Not all businesses qualify for a BOP because it depends on gross revenue and the number of employees. Depending on the contractor’s specialty and the size of the projects, some contractors’ classes may not fit a BOP policy. Specialty work like electrical, excavation, plumbing, or landscaping requires different limits and endorsements. A general contractor requires higher limits and broader coverage. We can customize commercial insurance solutions to help meet your exact needs.

Can’t find Insurance? Call Saberlines Insurance! We excel in finding coverage for difficult risks. We have a market for any hard-to-insure risk!  

We appreciate that protecting your business from claims requires broad contracting industry knowledge. Despite the size of your business, we can help you identify ways to lower the total cost of your insurance and benefit from our tremendous experience.

We can work with both:

  • General building contractors
  • Specialty trade contractor.

Example Classes:

  • Carpentry
  • Concrete
  • Drywall
  • Electrician
  • Floor Installation
  • General Contractors
  • Handyman
  • HVAC
  • Janitorial
  • Landscaping
  • Masonry
  • Painting
  • Plumbing
  • Roofing
  • Septic Tank Installation
  • Swimming Pool Service & Repair
  • Tree Trimming.

We have recently added a brand-new contractor general liability insurance program which is simple and competitive in pricing.


Insurance Coverage Options

  • General Liability
  • Inland Marine
  • Commercial Auto
  • Umbrella/Excess

Commercial Auto
Commercial Auto Liability insures vehicles owned by a contractor or his employees. It pays for bodily injury and property damage to a third party due to an auto accident and damages to owned vehicles related to theft, weather, and vandalism.

General Liability
General liability insurance protects businesses covering liability in case of legal action. Unexpected bodily injury or property damage can start legal action against a contractor, in which contractual workers can create claims against their employees. Business liability insurance can shield the contractor against claims such as protection against bodily Injuries like slip and fall, property damage to a customer's floor or wall, furniture damage during remodeling, libel (written), slander(spoken), defamation, and copyright infringement.

Below are some of the other claims the policy covers.

  • Professional liability
  • Inland Marine Contractor’s tools and equipment
  • Property
  • License Bonds
  • Umbrella
  • Workers’ Compensation
  • Builder’s risk

We insure Contractors who work on Commercial, Residential or Industrial projects in CA, NV, AZ & TX.

Here are common classes of Contractors we insure:

  • Landscaper
  • Pressure Washer
  • Construction
  • Carpenter
  • Plumber
  • Electrician
  • Painter
  • Handyman
  • Heating & Air
  • Floor Installation

Get your free quote today!

  • No Loss Runs Required
  • Free Blanket Additional Insured Endorsements
  • Free “Completed Operations”  Endorsements
  • Waiver of Subrogation available
  • New ventures are eligible
  • Residential and commercial work
  • Same day binder

Call 866-747-4242, or Email:

Garage Insurance: Auto Dealer, Auto Repair Shops


Garage Insurance is for: auto sales, auto service and repair, paint shops, body shops, sale and installation of auto parts or accessories, public auto parking or auto storage, mobile homes or Rv’s dealers, commercial trailer dealers, and towing businesses.

A Garage Insurance policy is designed to insure auto dealers, auto repair, and service shops and offers a combination of liability coverages for the vehicles and premises. This liability coverage is similar to general commercial liability. Whereas this prevents gaps in coverage between auto and non-auto incidents, the garage policy comes in two parts; one for the auto liability risk and the other for the garage premises liability. This type of insurance is different from other business insurance because both auto liability and general liability claims could be triggered at the same time and could overlap.

Auto dealers service and repair new or used autos, trucks, motorcycles, and recreational vehicles. Meanwhile, franchised dealers normally sell new vehicles and deal directly with manufacturers. Moreover, they will offer after-sales service to their clients and handle parts recalled by the manufacturers. Franchised dealers may sell used vehicles, including trade-ins from new car sales. Used car dealers don’t usually offer after sale-service or handle recalls or other manufacturer’s issues.

Other garage businesses include auto service, repair, paint shops, body shops, sale and installation of auto parts or accessories, public auto parking or auto storage, mobile homes or Rv’s dealers, commercial trailer dealers, and towing businesses.

Dealers Program


Garage Insurance For Auto Dealers

Exclusive Market! Check Out Saberlines Program For Non-Franchised Used Car Dealers

Featuring an A.M. Best “A” rated carrier, our program is available in CA, TX, AZ & NV and includes both Garage Liability and Dealers' Open Lot, along with exclusive market access, broad forms, and a package product including Property & GL.

Contact Our Specialists

Telephone: 866-747-4242

Send inquiries to

The Garage Insurance policy will provide liability coverage for the use, maintenance, and ownership of an auto, and liability for the non-auto operation, including premises operations, written contracts, the product used or sold, use of independent contractors, and garage completed operation.

Auto dealer physical damage provides coverage for loss to dealer-owned vehicles and vehicles in possession on consignment for sale, sometimes referred to as dealer open lot coverage. This insures the vehicles against collision damage, comprehensive loss, or specified causes of loss like fire or vandalism.

Auto service shops can buy garage keepers coverage for the loss of vehicles left in their care at the auto service shops. Physical damage is called “Garage keepers’ insurance,” as vehicles are kept in the care and custody of the shop. Coverage is usually against collision damage, with either comprehensive or specified causes of loss. The latter costs less in premium as it protects against limited loss causes. Garage keeper’s coverage can be limited if it applies only when the insured is legally liable, or it can apply regardless as indirect garage keeper’s liability.

Other coverage available under the garage Insurance policy includes uninsured motorists, medical payments, personal injury and advertisement injury, loss of income, building, and contents.

Those insured will include garage owners, partners, officers active in the garage operation, salespersons, general managers, and any employee whose duty involves the operation of a covered auto.

Businesses Which Qualify For Garage Policy

  • Auto dealers– selling new or used autos.
  • Repair shops—auto repair, paint shops, and body shops.
  • Service stations—auto service, sale, and installation of auto parts or accessories.
  • Storage garages and public parking places— public auto parking or auto storage.
  • Franchised and non-franchised dealers for mobile homes or RVs
  • Franchised and non-franchised commercial trailer dealers
  • Tow truck operators—independent towing business.
Saberlines Insurance Services

Workers’ Comp For Auto Related Industries

Targeted Classes

  • Auto Repair & Body Shops
  • Auto Parts & Supplies
  • Rental & Leasing Companies
  • Parking Lots & Garages
  • Gas Stations (with incidental towing & 24-hour exposure)
  • Auto Dealers – New & Used
  • Automobile Accessories store
  • Auto or Truck service station
  • An auto or Truck repair shop or garage
  • Auto or truck dealers
  • Auto Body and fender repair
  • Auto and Truck transmission repair

Multiple Market Highlights

  • Multiple A & A+ rated carriers
  • Competitive Pricing
  • New ventures acceptable
  • No maximum claim experience
  • Minimum premiums from $2,000
  • Multi-state operations
  • Quick turnaround
  • Many pay plan options

Call Us Today

Toll-Free:  866-747-4242

Direct Dial: 909-608-0612

Hard To Insure Garage Risks

Saberlines Insurance Has A Program For Hard-To-Insure Garage Businesses! We Can Quote Accounts With High Losses!

Target Classes

  • Antique Class Car Dealers and/or Restoration
  • ATV/UTV Dealers and/or Repair
  • Auto Auctions
  • Dealers, including Salvage Yards
  • Emergency Vehicle Sales and/or Repair
  • Equipment Dealers and/or Repair
  • Heavy Vehicle Dealers and/or Repair
  • Motorcycle Dealers and/or Repair
  • RV Sales and/or Service
  • Valet Operations

Email Now! | Fax Submissions to: 909-608-0613


Get a quick quote without any hassle!
Our agents are on standby to help you find
the best low-cost insurance!