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CA LIC 6016951 · TX LIC 3452379 · INDEPENDENT AGENCYMON–FRI 8AM–6PM PT SAME-DAY CERTIFICATES AFTER BINDING
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Small business insurance

Independent commercial coverage for contractors, project owners, and the businesses that keep California and Texas jobs running. Construction is the face of the agency; the rest of the book sits one click away.

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INDEPENDENT · MULTIPLE CARRIERS CA LIC 6016951 TX LIC 3452379

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A licensed agent reviews your request. Certificates are issued after a policy is bound.

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    THE BOOK

    Where most commercial accounts start

    A licensed agent compares options from multiple carriers. Kavana is an independent agency, not a carrier.

    01

    General liability

    Third-party bodily injury and property damage claims arising out of your operations.

    02

    Workers’ compensation

    Employee injury coverage, rated on payroll and class code — the line GCs ask about first.

    03

    Commercial auto

    Work vehicles, hired and non-owned exposure, and the certificates that follow them.

    04

    Business owners policy

    GL plus property packaged together for smaller operations that qualify.

    WHAT IT IS

    Certificates are the product, not the paperwork

    On a commercial account the policy matters, but the certificate is what unblocks the job. A GC will not let a crew on site without one, and a wrong endorsement means a second trip through underwriting.

    We tell you what sits outside the policy before you bind, not after a claim. That includes exclusions, deductible structure, and what the certificate can and cannot say.

    We are not a carrier. We compare options from multiple carriers, and we say which one we would place and why.

    WHAT THE FORM DOES AND DOES NOT REACH
    USUALLY COVERED
    + Third-party injury and property damage
    + Employee injury, by statute
    + Owned and hired vehicles
    + Your building, contents, and inventory
    NOT ON THIS FORM
    − Faulty workmanship you have to redo
    − Professional advice and design errors
    − Employee theft, without a crime form
    − Flood and earthquake, on most forms

    GENERAL GUIDANCE ONLY. THE POLICY FORM, ENDORSEMENTS, AND CARRIER DECIDE WHAT IS COVERED ON YOUR ACCOUNT.

    OFTEN PLACED ALONGSIDE

    Other lines this job usually needs

    Contractors’ insurance

    The trades package: GL, workers’ comp, auto, and the certificates GCs actually ask for.

    LEARN MORE →

    Builder’s risk

    Project property coverage for work in place, materials, and temporary structures.

    LEARN MORE →

    Wrap-up insurance

    Owner- and contractor-controlled programs for eligible on-site participants.

    LEARN MORE →
    HOW WE WORK

    Three steps, no instant-bind theater

    01

    Tell us the job

    Operations, payroll, vehicles, contracts, or project value — whatever applies.

    02

    Review the structure

    Limits, deductibles, exclusions, and what sits outside the policy.

    03

    Bind and issue

    Choose coverage. Get policy documents and COIs once the carrier binds.