Business · San Diego
If a worker got hurt on your job tomorrow, are you sure you're covered?
I spent years in construction before insurance. Let's walk through your business coverage the way a project manager walks a job site.
- In English, Spanish or Portuguese
- Life, home, auto and business in one conversation
- A written gap analysis you keep
- No pressure. You decide.
Licensed insurance agent · CA License #4531284 · San Diego
Three gaps I see on business policies
Employees without workers' comp
General liability doesn't cover your own workers' injuries. In California, workers' compensation is required once you have employees.
Work vehicles on a personal policy
Trucks and vans used for the business may need commercial auto coverage.
Tools and equipment
Tools that travel from job to job often need their own coverage to be protected away from your shop.
How the review works
- 01
Tell me what you have
A 2-minute form or a quick call. Have your current policy handy if you can.
- 02
Free review, in your language
45 minutes, in English, Spanish or Portuguese. We go through what you own and what could go wrong.
- 03
Your written gap analysis
You get it in writing, with clear options. You decide. No pressure, whether you buy or not.
- 04
Covered, and checked every year
Once your coverage is in place, we review it every year as your life changes.
I'm Gustavo Gois. I review every policy line by line, the way an engineer reads a plan set, in English, Spanish or Portuguese.
Questions people ask
I'm a one-person business. Do I need this?
It depends on your work, your contracts and your clients. That's what the review figures out.
A client asked for a certificate of insurance. Can you help?
Yes. Tell me what the contract asks for and we'll check it against your coverage.
Do you work with contractors?
Yes. I have a background in civil engineering and construction project management, so I know how jobs run.