Plain answers
The questions owners ask most. Still stuck? Ask Diamond AI or call Oscar.
Answers
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%.
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.
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?
Use our certificate request form or call us. We handle requests during business hours, 9:00 am to 5:00 pm.
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.
Do you only do commercial insurance?
Yes. Diamond is 100% focused on commercial insurance for businesses.
Can I bundle policies?
Yes. Bundle two or more policies and save up to 20%.
What areas do you serve?
We’re based in El Dorado Hills and serve businesses across the Sacramento region, including Sacramento, Folsom, Roseville, Rancho Cordova, Elk Grove, Cameron Park and Placerville.
Is my coverage active once I fill out the form?
No. Coverage is not in force until it’s confirmed by an authorized agency representative and the insurance company.
Is the Ask Diamond assistant a person?
No. It’s an AI assistant. It answers general questions and takes your details. Oscar, a licensed agent, follows up personally.
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