Commercial Insurance
GL, workers' compensation, commercial property, hard-to-place and non-renewed business coverage.
Home, auto, life and umbrella coverage for your household and personal needs.
Who this is for
Local shops, contractors, restaurants, offices, and employers who need compliant coverage — including accounts declined or non-renewed elsewhere.
Declined or non-renewed? We specialize in finding workable options when other carriers walk away.
Presidents Council · Elite Commercial Agent · MDRT · 4.9 ★ from 70+ Google reviews
Our office is in Westminster, and we write business insurance throughout California and in other states where we're licensed. Our team helps in English, Spanish, and Vietnamese.
Commercial line: 714-587-6777 · Main office: 714-775-6777
From our office in Little Saigon on Brookhurst Street, we work with shops, contractors and restaurants across Orange County and California.
Chủ cơ sở kinh doanh: nói chuyện bằng tiếng Việt
Chủ tiệm nail, nhà hàng, tiệm sửa xe hay thầu xây dựng ở Little Saigon và khắp California có thể bàn chuyện bảo hiểm cho cơ sở của mình bằng tiếng Việt với chúng tôi. Chúng tôi lo bảo hiểm bồi thường công nhân (workers' comp), trách nhiệm chung (general liability), BOP và xe thương mại, kể cả những hồ sơ bị hãng khác từ chối hoặc không gia hạn. Trước kỳ audit workers' comp, mình ngồi lại xem payroll và class code với anh chị để cuối kỳ không bị hóa đơn bất ngờ. Đường dây thương mại: 714-587-6777. Văn phòng chính: 714-775-6777.
Para el seguro de compensación al trabajador (workers' comp) o de responsabilidad general de su negocio, nuestro equipo le atiende en español al 714-587-6777.
Specialized Coverage
General Liability
Protects your business from claims involving bodily injury, property damage, and personal injury.
Workers' Compensation
Commercial Auto / Fleet
BOP / Business Property
Essential coverage for employee work-related injuries, legal requirements, and medical expenses.
Umbrella / Excess
Extends liability limits above primary policies, providing essential high-limit protection.
Coverage for business-owned vehicles, including collision, liability, and specialized fleet protection.
A bundle for small businesses: general liability and business property protection in one policy.
What to bring for a quote
- Business Name
- FEIN (Federal Employer Identification Number)
- Description of Operations
- Payroll or Annual Sales Data
- Declarations Pages from current policies
- Loss History Report (often 3-5 years)
Workers’ Compensation
Workers’ compensation helps Orange County employers—shops, contractors, restaurants, offices, and other California businesses—meet state requirements and protect employees if someone gets hurt on the job. Phil Dong Agency (Farmers) in Westminster helps you quote coverage through Farmers and affiliated options first, including hard-to-place and non-renewed accounts. We already work with employers in Westminster, Huntington Beach, Garden Grove, Fountain Valley, and elsewhere in California.
Q: Do you write workers' comp for Orange County businesses?
A: Yes. It's one of the lines we write most. We work with restaurants, nail and retail shops, small contractors, offices and other employers in Westminster, Huntington Beach, Garden Grove, Fountain Valley and the rest of Orange County, and with businesses throughout California and in other states where we're licensed. We look at Farmers and affiliated options first, including accounts that were declined or non-renewed elsewhere, and we'll help you get ready for the payroll audit. More on audits and new hires: workers' comp for Orange County employers. Commercial line 714-587-6777.
Q: Do I need workers’ comp in California if I have only one employee?
A: In many cases, yes—California often requires workers’ compensation once you have employees, even a single W-2 worker. Rules can depend on how the business is set up and who is on payroll. We’ll review your situation and point you to what underwriters typically need. This is general guidance, not legal advice.
Q: If I pay people 1099, do I still need workers’ comp?
A: A 1099 label does not automatically take someone out of workers’ comp. Underwriters look at the work they do, who directs the work, and how they are paid — not only the form. Family members on the job can still matter. If the person is doing your day-to-day operations, bring how they are paid and what work they do. This is general guidance, not a legal classification. We help you start a clean quote conversation.
Q: What if someone was treated like a contractor and then gets hurt?
A: That is when files get expensive and coverage questions get messy. Bring payroll, 1099 vs W-2 lists, and a plain description of the job. We look at Farmers and affiliated options first and tell you what the application needs. We do not decide employment status for the state — we help you quote the risk cleanly.
Q: What if our workers’ comp was non-renewed or declined?
A: That’s common, and you’re welcome here. Hard-to-place and non-renewed risks are part of how we work. Send the non-renewal or declination letter with your payroll and loss history so we can look at Farmers and affiliated options first and explain next steps clearly.
Q: What do you need for a WC quote, and how fast is it?
A: A complete packet moves faster: business details, payroll by class, current declarations, and loss runs. Many quotes can start as soon as those documents are in. Timing depends on underwriting and how complete the file is—we'll tell you what’s still missing.
What to bring
- Legal business name and FEIN
- Description of operations / locations
- Payroll by class code (or job types + wages)
- Current WC declarations pages
- 3–5 years loss runs
- Non-renewal or declination letter, if any
Call Phil Dong Agency at 714-775-6777 for a workers’ comp review—Farmers and affiliated options first.
Frequently asked questions
What does commercial insurance cover?
Commercial insurance protects your business from unexpected financial losses. Depending on your policy, it can cover:
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General Liability – Injuries, property damage, and lawsuits.
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Commercial Property – Buildings, equipment, and inventory from events like fire or theft.
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Workers' Compensation – Employee work-related injuries and lost wages.
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Commercial Auto – Business-owned vehicles.
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Professional Liability (E&O) – Mistakes or negligence when providing professional services.
How much commercial insurance do I need?
The right amount depends on several factors, including:
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Your industry
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Annual revenue
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Number of employees
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Business assets
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Contract requirements
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Potential lawsuit exposure
Why do I need commercial insurance if I already have an LLC?
An LLC helps protect your personal assets from many business liabilities, but it does not pay for lawsuits, property damage, employee injuries, or business losses.
For example:
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A customer slips and falls.
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Your business causes property damage.
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A fire destroys your inventory.
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A cyberattack exposes customer data.
Your LLC doesn't pay these costs—commercial insurance is designed to help cover them.
What does commercial property insurance cover for a California business?
Commercial property insurance is meant to help protect the building you own or the business personal property you rely on — things like equipment, furniture, inventory, and tenant improvements — when a covered cause of loss hits (for example fire or theft, subject to the policy). It is separate from general liability (which is more about injury or damage claims from others) and from workers’ comp. Many small businesses look at a Businessowners Policy (BOP) that pairs property and liability; others need a standalone property form, especially if the building, lease, or equipment schedule is more complex. What actually pays depends on your declarations, deductibles, and exclusions — we won’t guess a limit or price here. Call 714-587-6777 (commercial line) or 714-775-6777 and we’ll review your location, lease requirements, and current declarations so you know what you have and what’s missing. Phil Dong Insurance Agency, 15626 Brookhurst St, Westminster, CA 92683.
What is an experience mod, and does my California business have one?
An experience mod (often called an X-Mod) compares your company's claims history with other businesses in the same industry that are about the same size. In California it's calculated by the Workers' Compensation Insurance Rating Bureau (WCIRB) and shown as a percentage. Under 100% generally means a better-than-average claims history and usually lowers your premium; over 100% usually raises it. Not every business gets one. For mods effective on or after September 1, 2026, a business qualifies once its payroll by class code works out to at least $11,700 in expected losses under the state's rating plan. If you qualify, the mod applies no matter which insurance company you're with. If you're not sure whether you have one or what yours is, tell us who your current insurance company is and send your renewal offer or declarations page to commercial@phildongagency.com so we can review it with you. You can also call our commercial line at 714-587-6777.