Trusted Across the Bay
A few of the 2,400+ California businesses on our book.
Independent Commercial Insurance · San Francisco
Montgomery Risk Partners is an independent brokerage on Montgomery Street. We quote your account across more than thirty A-rated carriers, walk you through what each policy covers and what it leaves out, and deal with the carrier ourselves when you file a claim.
Trusted Across the Bay
A few of the 2,400+ California businesses on our book.
What We Place
We look at how your business makes money and where it can get hurt, then build the policy stack to match. These are the lines we place every week.
Bodily injury, property damage, products and completed operations, personal and advertising injury.
Details 02Buildings, business personal property and loss of income, at replacement cost or actual cash value.
Details 03Statutory benefits plus employers' liability, with payroll-true experience-mod management.
Details 04Liability, physical damage, medical payments, uninsured and underinsured motorist for owned and hired fleets.
Details 05Breach response, ransomware, business interruption and third-party privacy liability.
Details 06Errors & omissions coverage for advice, design and services delivered for a fee.
Details 07Excess limits above your GL, auto and employers' liability, often broader than the primary.
Details 08Employee theft, forgery, computer fraud, and money inside and outside the premises.
DetailsWhy Montgomery
Captive agents sell one company's products. We hold appointments with 30+ A-rated markets and make them compete for your account at every renewal, not just the first one.
One conversation about your operations, then a side-by-side comparison of real quotes within 48 hours for most accounts. Certificates issued same-day once you bind.
A policy is only as good as the claim it pays. When something goes wrong, you call us first. We manage the carrier, document the loss, and push the file until it's settled.
We read the exclusions so you don't find them at claim time. Every proposal comes with a plain-English summary of what's covered, what isn't, and what we'd fix.
How It Works
A 15-minute conversation about your operations, payroll, property and contracts. No forty-page application to start.
Your account goes to every carrier with appetite for your class: 30+ A-rated markets competing on price and terms.
You get each quote side by side: what it covers, what it excludes, and our recommendation.
Sign, pay, done. Certificates of insurance issued same day, and reissued in minutes whenever a contract demands one.
"Our GC contract required limits our old agent said were impossible at our size. Montgomery had three options on my desk in two days, and the one we bound cost less than what we'd been paying."Operations Director · Bay Area electrical contractor, 38 employees
The Montgomery Standard
Most businesses discover what their insurance doesn't cover at the worst possible moment. We do exclusion reviews before you bind, contract reviews before you sign, and a full coverage audit every renewal. Your business changed this year, even if your policy didn't.
You'll have one named broker and one named account manager. No call centers, no ticket queues.
Meet the teamFifteen minutes on the phone. A proposal in 48 hours. No obligation to move.
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