Insurance Built for Bay Area Businesses and Families.
From job sites to dining rooms to your front door — MeadowRisk Insurance protects what you’ve built. We specialize in business insurance for contractors, retail shops, restaurants and service businesses, plus complete home and auto coverage for individuals and families across the Bay Area.
Let’sWork Together
California License 6019998 | Independent Agency | A+ Rated Carriers
Insurance for Every Bay Area Business and Household
Contractors - General liability, workers’ comp, tools & equipment, builder’s risk.
Restaurants - Liquor liability, property, equipment breakdown, workers' comp.
Retail — Property, inventory, general liability, cyber.
Personal Insurance — Home, auto, umbrella, and more for you and your family.
Why MeadowRisk?
We’re an independent agency, which means we’re not selling you one company’s product — we’re shopping dozens of top-rated carriers to find you the best price and coverage. We’re local. We know Bay Area risk: wildfire zones, hillside exposure, dense urban traffic, and the specific liability headaches that come with running a contracting crew or a restaurant kitchen here.
Independent, not captive — real choice across carriers
Local expertise in Bay Area risk and regulations
Fast quotes, real humans, no call centers
Licensed and trusted advisors
Proudly Serving Marin County, The Greater Bay Area and California.
San Francisco, Oakland, San Jose, Santa Rosa, Marin County, the Peninsula, and the East Bay. [See full service area]
Frequently Asked Questions
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Not necessarily. Depending on your business structure, you may be able to cover multiple operations under one policy or a Business Owner’s Policy (BOP). We’ll help you figure out the most efficient and cost-effective structure for your situation.
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Yes. Many of our clients carry both their commercial and personal coverage through MeadowRisk. We can package home, auto, and business policies together, which often unlocks better rates and simplifies your renewals.
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Most quotes are ready within 24–48 hours. For straightforward business or personal policies, we can often turn them around same-day. Just reach out and we’ll get started.
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That's exactly the kind of situation an independent agency is built for. We're not stuck offering one company's product, so if your business has been labeled "high risk" — prior claims, a tricky industry, coastal or wildfire exposure — we shop the specialty and non-standard markets that standard carriers won't touch. Call and tell us what happened; there's usually a path forward.