Business Details
Trusted San Diego Insurance Since 1970s
H & M Insurance is a family-owned, independent insurance agency serving San Diego and California for over 50 years. We specialize in providing personalized commercial and personal insurance solutions tailored to the unique needs of our clients. With expertise in California regulations and partnerships with top-rated carriers, we offer comprehensive coverage options for businesses and individuals.Our commitment to exceptional customer service and deep understanding of local market demands ensure clients receive budget-friendly, flexible policies. As a trusted advisor, we prioritize long-term relationships and proactive risk management to protect our clients' futures.
Services
Commercial Property Insurance
Commercial Auto Fleet Insurance
Trucking Insurance
Commercial Umbrella
Restaurant Insurance
Hotel Insurance
Bakery Insurance
HVAC Insurance
Roofing Insurance
Landscaping Insurance
Highlights and features
- We are a local San Diego independent insurance agency
- Family-owned and operated company with 50+ years of experience
- Deep understanding of California insurance market and requirements
- Flexible and personalized insurance coverage within your budget
- Responsive agents with expertise in local regulations and claims handling
What people say
Most helpful agents
Honest and upfront
Best rates and coverage
Exceptional service
Professional attitude
Services
Commercial General Liability Insurance
Protects businesses from financial losses due to third-party claims for bodily injury, property damage, or personal injury. Covers legal fees, medical expenses, and settlements up to policy limits. Essential for companies facing customer interactions or physical operations risks.
Business Owners Policy
Combines commercial property and general liability coverage into one cost-effective policy. Ideal for small to medium-sized businesses needing protection for physical assets and liability risks while simplifying policy management through bundled coverage.
Commercial Auto Insurance
Covers vehicles used for business purposes including liability, physical damage, and cargo protection. Available for single vehicles or entire fleets, with customizable options for different business types and transportation needs.
Workers Compensation Insurance
Provides benefits for employees injured or ill from work-related causes. Covers medical expenses, lost wages, and rehabilitation costs while protecting employers from lawsuits related to workplace injuries or illnesses.
Cyber Liability Insurance
Safeguards businesses against financial losses from data breaches and cyberattacks. Covers incident response, legal fees, regulatory fines, and business interruption losses, with risk management resources to prevent future incidents.
Questions
What types of commercial insurance do you offer?
We provide general liability, business owners policies, commercial auto, workers' compensation, cyber liability, and industry-specific coverage for restaurants, contractors, and more.
Do I need business insurance if I work from home?
Home-based businesses still need coverage for liability claims, business property, and income loss. We offer tailored policies that extend beyond standard homeowners insurance limitations.
How do you help clients save on insurance costs?
We offer multi-policy discounts, safe driver incentives, bundling options, and personalized risk management advice to help clients maintain comprehensive coverage at competitive rates.
Can you help with insurance claims?
Our team provides hands-on support throughout the claims process, ensuring timely filing, documentation assistance, and communication with carriers to resolve claims efficiently.
Are you licensed to operate in California?
Yes, we hold California insurance license #0F82768 and specialize in state-specific requirements for both personal and commercial insurance policies.
What sets you apart from other agencies?
As a family-owned agency with 50+ years of local experience, we combine personalized service with access to multiple top-rated carriers to find optimal coverage solutions.
Reviews (3)
Rachid Ait Medjane
Jan 20, 2019
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Very good service great stuff especially mr Lou who make my day every time I call for a service keep up with a good work thank you.
Thomas W.
Jun 27, 2018
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Worse service ever don't trust a word they tell you I received a letter from my insurance company saying that there going Bank ruped I call them on Saturday the guy tells me he call back no call till Monday night and gives me a quote hire then what I was paying then I asked him about my refund for ins I paid for but they have no clue but they deal with these companies daily how do you not know WORSE COMPANY AND SERVICE EVER BE CAREFUL IF YOU DEAL WITH THESE PEOPLE VERY SHADY NOT EVEN A HALF SYAR
Vladimir R.
Jan 09, 2016
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Great staff, especially Goran with whom I cooperate. Very good quality service and everything can be completed online. I recommend to all who need insurance.
