Business Insurance Coverage
Protect Your Livelihood with Coverage Built for Business Owners Get a QuoteContact UsRunning a business takes vision, energy, and a whole lot of risk. At Larry Baker Insurance, we help you manage that risk — so you can focus on growth, not setbacks. As a trusted insurance agency serving Chula Vista, Calexico, and surrounding regions, we offer customized commercial coverage tailored to your industry, operation size, and goals.
Whether you run a food truck in El Centro or manage office space in Chula Vista, we understand the challenges of business ownership and offer policies that keep your future protected.
We work with multiple carriers, speak English and Spanish, and are here to help your business thrive.
General Business Insurance
The foundation of smart business protection.
Every business needs a core policy to shield it from day-to-day risks. Our general business insurance solutions include liability protection, property coverage, and customized add-ons based on your operations. Whether you’re a startup or a growing company, we’ll help you build a flexible policy that fits your needs — and scales with your success.
Start strong. Stay covered.
Apartment Owner Insurance
Coverage for residential property investments.
If you own rental property — from duplexes to apartment complexes — you need a policy that protects your building, your liability, and your income. We offer landlord-focused coverage including property damage, loss of rental income, and tenant liability concerns.
We help you keep tenants safe and investments secure.
Auto Service & Repair Shop Insurance
Specialized coverage for garages and repair bays.
Auto service businesses face unique risks — from test drives to customer vehicle storage. We offer tailored coverage for repair shops, tire centers, oil change facilities, and transmission specialists. Our plans include garage liability, tools and equipment coverage, and workers comp add-ons.
Keep your shop turning wrenches — and staying protected.
Commercial Real Estate Insurance
Coverage for office buildings, retail centers, and industrial properties.
Owning or managing commercial real estate comes with responsibility. We provide coverage for structural damage, liability claims, loss of income, and more. Whether you own an office plaza or a warehouse, we’ll help protect the value of your investment.
Build your portfolio — with solid protection behind it.
Contractor & Maintenance Insurance
For the trades that keep the world running.
Electricians, plumbers, landscapers, painters, and other independent contractors face a variety of on-the-job risks. We offer flexible contractor insurance that can include general liability, tools and equipment coverage, and commercial auto.
Your work is hands-on — so is our protection.
Workers’ Compensation Insurance
Protect your team — and your business — from the unexpected.
If you have employees, California and Arizona law requires you to carry workers’ compensation insurance. But more than just a legal requirement, it’s a smart investment in your team’s safety and your company’s future. We provide coverage that supports your employees if they’re injured on the job — covering medical expenses, lost wages, and rehabilitation — while protecting you from costly lawsuits and fines.
We’ll help you stay compliant, competitive, and committed to your people.
Cyber Liability Insurance
Defend your business against digital threats.
Today’s small businesses are just as vulnerable to cyberattacks as large corporations. If you handle customer data, process online payments, or use cloud-based systems, cyber liability insurance helps protect your business from the financial fallout of data breaches, ransomware, and identity theft. Coverage can include legal costs, notification services, business interruption, and more.
Safeguard your reputation — and your bottom line — in a digital world.
Office & Professional Services Insurance
Smart policies for smart professionals.
From legal practices to consulting firms, we offer office insurance designed for professional service providers. This includes coverage for property damage, client liability, and business interruption — all customized for your field.
Focus on your clients. We’ll focus on your coverage.
Restaurant & Food Business Insurance
Serving safety with every service.
Restaurants, food trucks, and catering businesses require protection that covers food safety, kitchen hazards, delivery vehicles, and more. We provide insurance solutions for casual dining, quick service, and mobile kitchens.
Whether you’re behind a counter or behind the wheel — we’ve got your back.
Retail & Wholesale Insurance
Flexible protection for sellers and suppliers.
From corner boutiques to wholesale distributors, we help retail and wholesale businesses protect inventory, staff, and storefronts. Coverage can include product liability, equipment protection, and cyber risk options.
Make every sale with confidence.
Why Business Owners Choose Larry Baker Insurance
- Trusted and flexible — We work with multiple carriers to find the right fit.
- Bilingual support — Communicate clearly in English and Spanish.
- Industry-specific coverage — Tailored options that reflect your unique business needs.
- Local knowledge — We understand the business landscape in San Diego County, Imperial County and Arizona.
Our Reviews:
Chula Vista Office
1025 3rd Avenue
Chua Vista, CA 91911
Tel or Text: 619-432-7967
Fax: 760-871-0772
Calexico Office
541 S Imperial Avenue
Calexico, CA 92231
Tel or Text: 760-357-1452
Fax: 760-871-0772
Office Hours
Mon-Fri: 8:30 am - 5:30 pm
Sat-Sun: Closed
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