Cencal Insurance Services, Inc.

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Commercial Division - Commercial Property and General Liability

CenCal Insurance Services, Inc. and its affiliate, Regis General Insurance Service, Inc. offer solutions for your commercial accounts!  Commercial Property and General Liability. See below Acceptable Classes: Most commercial operations are acceptable.


Property- $5,000,000
Liability - $1,000,000/$2,000,000

Mono-Line Property or General Liability Available

Property and General Liability may be written as a package or mono-line. Classes include the following competitive risk types. There are no volume requirements.

We can assist you in placement of many typical classes including those listed below.  New venture operations are acceptable.

You may use standard Acord forms and supplemental applications located in our forms library.

  • Apartments including mixed use
  • Artisan Contractor including Painters, Electricians and Welders
  • Auto Repair/Garage Operations including Gas Stations, Quick Lubes, Body Shops and Car Washes
  • Beauty Shops/Barber Shops/Nail Salons
  • Consultants
  • Contractors
  • Gas Stations with and without mini-mart operations
  • Hotels/Motels
  • Janitorial
  • Landscapers
  • Lessors’ Risk
  • Manufacturing
  • Mobile Businesses
  • Mobile Home Parks
  • New Ventures/No Prior Coverage
  • Offices/Mercantile Exposures
  • Retail Stores including liquor and tobacco shops
  • Restaurants/Bars/Taverns
  • Strip Malls
  • Truckers General Liability
  • Vacant Property
  • Vocational Schools
  • Liberal Equipment Breakdown & Property Enhancement Coverage Available
  • Workers Compensation Program Now Available: Coverage available for large and small businesses. Call us for more information and submission requirements.

Email us for assistance with submission or class questions.

Tiffany Chinn : tchinn@cencalins.com

Workers' Compensation Insurance

You count on your employees, on their experience, expertise and productivity and they count on you to provide a safe and stable workplace. Workers’ compensation insurance and workplace safety programs, are a key ingredient.

Even the most careful, well-intended businesses can have a workplace accident. Events such as the following can occur without any warning signs:

  • An auto accident while making deliveries for your company
  • An back injury from working on company equipment
  • Slips, trips and falls due to housekeeping issues or weather related
  • Multiple ailments stemming from repetitive motion, prior work history and poor physical condition

We understand your business and the unique risks your employees face. Our workers' compensation services not only include an insurance policy to provide medical treatment, lost wages, death benefits and employment retraining, they also involve proactive loss control and claims following services.

Our loss control services are designed to reduce your exposure to workers' compensation losses, lower your costs, and improve employee satisfaction. We work with you to keep your claims experience low, control current costs, and manage future liability by using programs focused on compliance, awareness, education, and employee participation. You will receive the benefit of an entire department of trained experts.

Loss Control Services

  • Claims management and adjusting oversight
  • Accident investigation
  • Modified/light duty return-to-work program
  • Safety program design and IIPP implementation
  • Safety inspections
  • Safety committees
  • OSHA regulation compliance assistance
  • Drug testing policies
  • HAZMAT training
  • Job task analysis
  • Employee incentives
  • Annual experience modifier analysis and audit
  • Quarterly review of loss runs

Many workplaces are inherently dangerous and unsafe acts and conditions are common. Consequently, many companies pay high premiums for Workers' Compensation insurance. Therefore, it is important to devote great effort to promoting safety, to controlling costs, to avoiding unfortunate injuries, and to complying with OSHA. Let CenCal develop and implement a customized safety program to accomplish those goals and see just how much money a quality loss control program can save you over time.

If you want an opportunity to better serve your commercial customers, and are not yet signed on as a CenCal producer, use the Become a Producer link to submit your contact information. Follow the link for the CenCal Broker Questionnaire, download, complete, and send to CenCal to begin the process of getting your small commercial customers the choices they deserve.


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