What coverage does my business need?

Most businesses start with general liability. If you have employees, California requires workers’ comp. Work vehicles need commercial auto, and businesses that sell advice need professional liability. We walk you through your risks first.

What should I do if I have a claim?

Make sure everyone is safe, take photos and write down what happened. Then report it to us. We’ll help you file with your carrier and stay with you through the process.

Property & Commercial Insurance · Sacramento Region

Precision
coverage

Q: How much does commercial insurance cost?

It depends on your industry, size, payroll, revenue, claims history and the limits you choose. We shop and negotiate with carriers to find the best value, and bundling two or more policies can save up to 20%.

Q: How do I get a certificate of insurance?

Use our certificate request form or call us. We handle requests during business hours, 9:00 am to 5:00 pm.

Get a quote Ask our AI

Our philosophy

Explained first.
Placed with care.

Family-owned for over 15 years and 100% commercial. We walk you through your exposures, then market and negotiate your premiums so coverage is complete and priced to compete.

0+Years family-owned

0%Commercial

0%Bundle savings, up to

Specifications

The full lineup

Eight core lines of commercial coverage, plus product liability and bonds. Bundle two or more and save up to 20%.

01General liabilityInjuries and property damage claims from customers and the public, plus legal defense.Details →02Workers’ compMedical bills and lost wages for injured employees. Required in California once you hire.Details →03Small business packageProperty and liability bundled into one policy at one price.Details →04Builder’s riskBuildings under construction and the materials on site, until the job is done.Details →05Professional liabilityErrors and omissions claims when a client says your work cost them money.Details →06Employment practicesClaims over wrongful firing, discrimination or harassment.Details →07Commercial autoWork vehicles and the people driving them, including employees’ own cars.Details →08Tools and equipmentInland marine coverage for gear on trucks and at job sites.Details →

The fine print

Read before you sign

Most coverage problems hide in a few lines nobody reads. Oscar reviews your policy line by line.

Flood and earthquake exclusions
Vacancy limits on empty buildings
Employee theft gaps

Review my policy

The principal

Oscar Barajas

Oscar runs Diamond on one idea: an owner should understand their own risks. He reviews your exposures, then puts his carrier relationships to work for you.

Honesty and integrity, the way you’d protect your own family.

Text Oscar Call 279-842-0928

Contractors & builders

Covered from
the first beam

Builder’s risk, general liability, workers’ comp, tools and bonds, set up before the job starts.

Quote my job

Process

Three steps

Step 01Tell us about the business

A short call or the form. What you do, where and what you own.

Step 02We shop the carriers

We compare coverage and price, then explain options in plain words.

Step 03You choose. We stay on.

Renewals, certificates and claims help after that.

Ask Diamond · AI assistant

Answers tonight.
Oscar follows up.

Our AI assistant explains coverage in plain words, takes your quote details, and gets them to Oscar for a personal callback.

Says it’s AI, every time
Never quotes, binds or promises coverage
Never asks for SSNs, card numbers or health info
Hands every lead to a licensed agent

Clients

In their words

All reviews →

★★★★★Paste a real Google review here. Short and specific works best.[Client], [Business]

Industries

Built for how you work

IndustryContractors & tradesBuilder’s risk, general liability, workers’ comp, tools and bonds, set up before the job starts.IndustryRestaurants & foodYour space, your equipment, your staff and every guest who walks in. One agent looking at all of it.IndustryRetail shopsCustomers come to you. Your space, your stock and the people walking through your door are where your risk lives.IndustryProfessional servicesWhen your product is advice, the biggest risk is a client who says your work cost them money.IndustryTransportationEvery vehicle and every driver adds risk. A clean vehicle and driver list is the fastest way to a good quote.IndustryProperty ownersYour building, your tenants and the people who walk your property. Coverage that reads the fine print first.

Serving El Dorado Hills · Sacramento · Folsom · Roseville · Rancho Cordova · Elk Grove · Cameron Park · Placerville

Questions

Answers

How much does commercial insurance cost?

It depends on your industry, size, payroll, revenue and claims history. We shop and negotiate with carriers for the best value, and bundling two or more policies can save up to 20%.

Do I need workers’ comp if I only have one employee?

Yes. California requires workers’ comp for nearly every employer, even with one part-time employee.

How do I get a certificate of insurance?

Request one online or call us. We handle requests 9:00 am to 5:00 pm.

Do you only do commercial insurance?

Yes. Diamond is 100% focused on commercial insurance.

What areas do you serve?

We’re based in El Dorado Hills and serve the Sacramento region, including Sacramento, Folsom, Roseville, Rancho Cordova, Elk Grove and Cameron Park.

Precisioncoverage

Explained first.Placed with care.