Kavana Insurance Services

We place contractors general liability, workers’ compensation, commercial auto, builders risk, and wrap-up programs (OCIP and CCIP). Same-day certificates after a policy is bound. We compare options from multiple carriers. We are not a carrier.

We are appointed with The Hartford, among other carriers. Which market fits depends on your trade, payroll, and loss history — not on a logo wall.

Home and auto exist as reference pages if you need a quote. They are not what this agency is built to own.

We do not publish client counts we cannot show. We do not publish composite “real stories.” Construction case notes on this site are anonymized on purpose.

We review the structure: limits, deductibles, exclusions, and what sits outside the policy.

You bind. We issue documents and COIs once the carrier binds. Hours: Monday–Friday, 8am–6pm PT.

This is a licensed independent agency run without a branch office or a service queue. Quoting, contract review, and certificate issuance run on systems built for it, which is why a certificate request answered at 11am is issued the same day rather than sitting in a queue behind a hundred personal-lines renewals.

What that changes for you: no account you have never met, no junior CSR reading a script, no waiting for a callback from someone who has to look up your policy first.

Independent means we compare carriers rather than defend one. Lean means the time goes into reading your contract exhibit instead of covering the cost of an office you would never visit.

Construction insurance is won and lost in endorsement wording and certificate timing. That is where the hours go.

Wrap-up administration

Enrollment, certificate compliance, payroll reporting, and claims files in one place. It is not a policy.

Kavana Construction Risk Institute

Where we publish what we see on real projects. Guides, case studies, and tools. Not a brochure.

Verify the California license: 6016951, California Department of Insurance.