Starting Your Business

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Opening a business is exciting, but insurance is often one of the first hurdles you'll encounter. Whether you're launching an independent business or opening a franchise, lenders, landlords, and franchisors may all have insurance requirements before you can begin operating.

I work with new business owners to understand those requirements, explain them in plain terms, and help build insurance solutions that satisfy them while keeping coverage appropriate for your business.

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Common situations

You may be:

  • Opening your first business

  • Purchasing an existing business

  • Opening a franchise location

  • Applying for an SBA loan

  • Signing your first commercial lease

Two women sitting at a gray table, discussing documents and taking notes in an office setting. One woman is pointing at papers, and the other is writing.

Questions I can help answer:

What insurance do I need to open my business?

Requirements vary depending on your business, industry, landlord, lender, and whether you're part of a franchise system.

One or more of these parties will provide you documentation with detailed insurance requirements, including (but not limited to):

  • Required coverages

  • Liability limits

  • Named Additional Insured wording

  • Waiver of Subrogation requirements

  • Notice of Cancellation requirements

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How do I know if my insurance meets my lender's, landlord's, or franchisor's requirements?

Before we begin obtaining quotes, I can review the insurance requirements provided by your landlord, lender, franchisor, or other interested parties. Once we've selected an appropriate policy, I can coordinate adding the required parties as Additional Insureds or Loss Payees (when applicable) and issue Certificates of Insurance for each party.

If any requirements are unclear, I'm happy to communicate directly with the property manager, lender, franchisor, or their insurance representative to help ensure everything is addressed before your lease, loan, or franchise opening moves forward.

Let's Discuss Your Business

Every business is different, and insurance requirements can vary depending on your landlord, lender, franchisor, and industry.

If you're ready to begin the conversation, please complete the insurance quote request form here. I'll review your information and contact you within two business days to discuss your options.

I am licensed to assist clients with business insurance solutions in my home state of California, and I hold licenses to practice in other states as well. Please click here to view the most current list of states I hold licensure in. If you don't currently see your state listed, feel free to contact me. Depending on the type of coverage you're seeking, I may be able to obtain the necessary licensing or connect you with an appropriate solution*.

*Please note that insurance products, carrier availability, and licensing requirements vary by state, so not every coverage option is available in every location.