Workers’ Compensation
Support for statutory requirements and the financial impact of workplace injuries.
Independent California insurance broker
Insurance built around the way contractors actually work.
Direct, practical guidance for contracts, crews, vehicles, equipment, and the projects that keep your business moving.
- Contractor focusedCommercial insurance specialty
- Founder ledWork directly with Michael
- California licensedLicense No. 0I02454
Contractor insurance expertise
Your coverage should understand your contracts, not just your classification.
Every contractor carries a different mix of contractual obligations, operational exposures, equipment, vehicles, and people. We begin there—then shape an insurance conversation around the work in front of you.
Discuss your insurance needs ↗Coverage solutions
Protection for the risks that matter on the job.
Commercial Liability
Protection for bodily injury, property damage, and exposures arising from your operations.
Commercial Auto
Coverage for owned, hired, and non-owned vehicles used in your business.
Pollution Liability
Specialized protection for environmental risks often limited by standard policies.
A more useful conversation
Clear enough to act on. Thorough enough for the work.
- 01
Establish the context
Your trade, projects, operations, contracts, and current coverage.
- 02
Focus on material risk
The exposures and requirements most likely to affect your business.
- 03
Define the path forward
A considered next step, explained without unnecessary complexity.
Founder led by design
A direct relationship with a broker who knows contractor risk.
Michael Lemmer is a California-licensed insurance broker focused primarily on commercial insurance for contractors. Clients work directly with Michael by phone, email, and secure online service—receiving guidance grounded in the realities of the job, not a generic template.
Licensed since 2016Contractor specialtyRemote-first service
Already a client?
Certificates and service, without the back-and-forth.
A secure client portal is being prepared. Until it opens, send Michael a service request and he will follow up directly.
Contact Michael
Bring the project. We’ll start with the right questions.
Share a few details about your contracting business and the work ahead. Michael will use them to prepare for a focused commercial insurance conversation.
- Call
- 714-859-1007
- Office
- 197 Jamacha Rd, El Cajon, CA 92019