Commercial Insurance

Without the right commercial insurance, your business could be one lawsuit away from disaster.

Your business is your living, your passion, your legacy. If you don’t protect it, you could lose it. All the hard work you put into building and nurturing your business could vanish with just one lawsuit.

If you have a first-rate business insurance policy in place, you can breathe easy. With proper commercial insurance your risks are limited and your assets protected. You can go about your day-to-day activities knowing you’ve safeguarded your livelihood.

We have a team of licensed commercial insurance specialists with a wide range of experience with various businesses. Whether your business is in retail, food service, hospitality, professional, manufacturing, or services, we can match you with a specialist who is familiar with your business enterprise.

We respect your time…

  • Easy Proposal Process
  • Pre-Appointment Checklist
  • Comprehensive Review of Current Policy
  • Ex Mod Risk Assessment Worksheet
  • Recommendations

Perils include but are not limited to…

  • Theft of Business Property
  • Fire and Smoke Damage
  • Storm Damage
  • Vehicle Crash into Business
  • Vandalism
  • Sprinkler Leakage
  • Falling Objects
  • Injury Lawsuits
  • Wrongful Termination Lawsuits
  • Customer Data Lost or Stolen
  • Errors and Omissions
  • Employees Use of Personal Vehicles for Business
  • Customer Fall on Property
  • Customer Health Problem After Using Your Business

Coverages are available for …

  • General Liability
  • Commercial Property
  • Business Vehicles
  • Equipment Floater Insurance
  • Contractor and EIFS Insurance
  • Workers’ Compensation
  • Health Insurance for Employees
  • Medical Malpractice
  • Directors and Officers

Discounts for…

To save you even more money, we look for carriers who offer lower Workers’ Compensation insurance premiums for the following:

  • Low-Risk Occupations
  • Group Eligibility
  • Injury Prevention Training
  • Illness Prevention Training
  • Heat Illness Prevention Training
  • Documented Safety Meetings
  • Hazard Avoidance Training
  • History of Low Claims Submissions

Coverage and claims review

If you already have business insurance, we can review your current coverage plus any claims you had to evaluate why the claim occurred. Then we can recommend changes to operations or changes in coverage to reduce future risks.

We do the shopping for you.

We have more flexibility than traditional commercial insurance companies, like Allstate, Farmers, AAA, or State Farm. They sell just one brand. As an independent agency, Carl Nelson Insurance works with numerous underwriting insurance companies, all with A ratings with A.M. Best Rating Service. You don’t have to shop around — we do that for you.

High-value business insurance coverage. Lower prices.

While shopping for your quotes, our aim is to match your unique business insurance needs with first-rate coverage at a lower price. With our state-of-the-art technology, we can compare your coverage options in just a few minutes over the phone or by email or by using our Get Quotes form. Often we can save you 15% or more on what you are currently paying for commercial insurance while improving your coverage!

Risk management

Your business insurance specialist will work with you to ensure you have all the training and documentation you need to best manage your employees’ risk of injury or illness. Your specialist will also work with you to minimize other risks in your operations.

Claims assistance

Inevitably, incidents will occur. Our carriers have 24/7 claims assistance. Plus Carl Nelson Insurance has a dedicated in-house claims department to answer your questions and to help you resolve any issues with the least amount of worry. It also saves you and your staff precious time!

Personal assistance when you need it

If you have any questions, your commercial insurance specialist will know you and be responsive to you personally. The rest of the CNI staff will back up your specialist, always ready to serve you when you need it.

Locally owned and operated

Carl Nelson Insurance has offices in Hanford and Visalia, California. We set our own policies on how to best serve you. We don’t have to answer to “corporate” like name brand insurance companies. Plus it’s easy for you to drop by and talk to us one-on-one.

25+ Employees. Well-Trained!

We are large enough that someone is always available to help you. Yet, we’re small enough to give you personal service.

Phones are answered by a human being.

During office hours, our phone is answered by someone eager to serve you — not a call center.

Established in 1977

Our longevity and history demonstrate our strength and stability. We’ll tell you simply, plainly, and honestly what we recommend for your business insurance needs.

Insuring Californians

Although we primarily serve the commercial insurance needs of businesses in Hanford, Visalia, Tulare, Fresno, Lemoore, Bakersfield, Kingsburg, and Selma, we can insure you no matter where you are in California. We can bind and issue coverage via fax, email, or even with an electronic signature.

BBB rating

We are pleased to have achieved an A+ Rating with the Better Business Bureau. The BBB standards for businesses are high and embody the principles of trust, integrity, and honesty.

Listed: Top 5 local independent insurance agencies

At Carl Nelson Insurance we’ve never had to change our business principles because we’ve been doing it right since the beginning. That’s why we’ve grown and grown. According to the Fresno Business Journal, we are the 5th largest independent insurance agency in the Central Valley. We have to be doing something right.

Final thoughts

Carl Nelson Insurance knows customers come first in every business transaction. That is why so many of our clients and their families have been with us for over 40 years — we earn and keep their loyalty by doing excellent work for them every single day.

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