Trusted. Local. Independent.

Castro Property & Commercial Insurance Agency has the knowledge and expertise to help with your insurance needs in California.

We’re your one-stop-shop for contractors insurance and business insurance. Start a quote by clicking below or give us a call at 916-482-9600 to start the conversation.

California
California

Get multiple insurance quotes in California.

Castro Property & Commercial Insurance Agency has your covered.

We’ve built our insurance agency around understanding what you need and what’s important for your family or business to protect.  That’s why we work with a wide range of insurance companies and products in California to meet your specific needs, including customized coverages.

We don’t work for the insurance company, we work for you.

Providing insurance for businesses, families, and individuals in California

…and all other cities throughout California.

General Liability

General Liability

Provides coverage for third-party claims related to bodily injury, property damage, and advertising injuries. It covers situations where someone is injured on your business premises or if the business activities cause damage to someone else’s property.

Business Owners Policy

Business Owners Policy

A business owner’s policy, aka BOP, is a cost effective way for small business owners to get general liability and commercial property insurance combined into a single policy.

Commercial Auto

Commercial Auto

If your business owns vehicles used for business purposes, such as delivery trucks or service vehicles, commercial auto insurance provides coverage for those vehicles. This includes liability coverage for accidents and physical damage coverage for the vehicles.

Commercial Property

Commercial Property

Property insurance covers physical assets such as the business building, inventory, furniture, equipment, and fixtures against risks like fire, theft, vandalism, and natural disasters. It may not be enough to cover just the building; the aftermath of such damage should be covered as well.

Workers Compensation

Workers Compensation

If your business has employees, workers’ compensation insurance is usually required by law in every state. It provides coverage for medical expenses, lost wages, and rehabilitation costs for employees who are injured on the job.

Equipment Floater

Equipment Floater

Equipment floater aka Inland Marine, protects your tools and equipment. From transported goods and hauled equipment to storage items and even construction tools, it’s important to keep your investments protected.

Builders Risk

Builders Risk

Builder’s Risk Insurance, aka Course of Construction Insurance, is a form of commercial property insurance which covers a building when it is presently being constructed or heavily remodeled.

Professional Liability

Professional Liability

Professional liability aka Errors & Omissions (E&O), can help cover legal expenses if a business is sued for a mistake, missed deadline, project scope disputes, negligence, or other unsatisfactory work.

Commercial Umbrella

Commercial Umbrella

Commercial umbrella aka commercial excess, provides additional coverage once the underlying policy reaches its limit. It can boost the coverage for general liability, commercial auto, and employer’s liability insurance.

California Independent Agent vs The Rest

Here is a quick comparison of the differences between an independent agency in California like us, and the various other types of companies that are out there:

Features & Services Our Agency Captive Agent Online & 1-800 Companies
Access to multiple companies and wide range of products
Easy switching from company to company without hassle
Unbiased and objective advice Tries to sell & support only their one company Tries to sell & support only their one company
Claims assistance and advocacy Adjusters are often exclusive to the one company No help: You vs. adjuster
Policy service from the same person you bought from To call center You'll likely never talk to the same person twice
When you buy from an independent agent like us, you're supporting local business and your local economy #choicematters #independentagent

Providing insurance for commercial properties & businesses in Sacramento and throughout California.

Head office located at: 3155 Jefferson Blvd
Sacramento California 95691.

Give us a call: 916-482-9600

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Client Testimonials

Every customer has a different story to tell based on their individual experience with Castro Property & Commercial Insurance Agency. We take pride in our customer service and we believe in offering only the best products to our customers.

3155 Jefferson Boulevard, West Sacramento

5.0 4 reviews

  • Avatar Jerry Njay ★★★★★ a year ago
    I've been with Castro insurance for almost 10 years and love the assistance and the help that they give us. We use a commercial insurance policy that has kept us able to do jobs that we need to do. The team has been very helpful in … More every step needed to comply with other companies. I appreciate Myra and Jasmine and everybody there.
  • Avatar RALPH GARCIA ★★★★★ 2 years ago
    Solid company. The personal service they provide is something that is missing from so many companies today. Great rates & fast quotes. I have already recommended to family and friends!