Services – Commercial Insurance for High-Risk Industries [CVI]

We specialize in providing comprehensive insurance solutions tailored to protect your business from the unexpected.

Whether you’re a small startup or a large enterprise, our customizable policies are designed to safeguard every aspect of your operations. This allows you to focus on what matters most—growing your business.

Coverage Types

Comprehensive insurance solutions for challenging risks that others won’t cover.

Service Areas

We offer comprehensive insurance solutions across multiple states, bringing our specialized expertise to diverse markets.

Industries We Serve

Our expertise spans across high-risk industries that need specialized insurance knowledge and underwriting experience. Some of these industries include:

Contractor & Specialty Trade Insurance

We offer tailored policies for trades like general contracting, artisan contractors, welding, and energy services. These policies are designed to meet the unique risks of your industry. “Faulty Workmanship” Coverage is available for some industries!

At CVI, we specialize in providing comprehensive insurance solutions tailored to protect your business from the unexpected.

For over 55 years, CVI has been the trusted partner for businesses operating in high-risk industries. We understand that finding adequate insurance coverage can be challenging when you work in oil and gas, construction, manufacturing, or other specialized fields. That’s where we excel—providing expert guidance and comprehensive protection for businesses that other agencies consider “too risky” to insure.

Our team brings deep industry knowledge, strong carrier relationships, and a commitment to finding solutions that truly protect your operations. From navigating complex compliance requirements to securing coverage that matches your unique risk profile, we’re here to help your business thrive with confidence.

Coverage Types

Comprehensive insurance solutions for challenging risks that others won’t cover.

General Liability

Protects your business from third-party claims of bodily injury, property damage, advertising injury, and personal injury. Essential for contractors, manufacturers, service providers, and any business that interacts with clients, vendors, or the public on job sites or business premises.

Commercial Auto

Covers vehicles used for business purposes, including company cars, trucks, service vehicles, and heavy equipment in transit. Required for construction contractors, delivery services, field service companies, and any business using vehicles for operations, protecting against accidents, liability claims, and physical damage.

Excess and Umbrella Liability

Provides additional liability protection beyond your primary insurance limits, typically ranging from $1 million to $25 million or more. Critical for businesses facing high-value contracts, large projects, or significant exposure where a single incident could exceed standard policy limits and threaten your company’s financial stability.

Pollution & Environmental Liability

Specialized coverage for environmental cleanup costs, third-party pollution claims, and regulatory compliance expenses. Essential for oil and gas operations, storage facilities, manufacturing plants, transportation companies, and any business handling hazardous materials or operating in environmentally sensitive areas.

Control of Well

Highly specialized insurance for oil and gas drilling operations, covering the extraordinary costs of regaining control of a well blowout, including firefighting, well-killing operations, seepage cleanup, and re-drilling expenses. Required for drilling contractors, well operators, and energy companies working in exploration and production.

Pollution Transportation Coverage

Protects businesses that transport hazardous materials, petroleum products, or potentially polluting substances against cleanup costs and third-party claims resulting from spills, leaks, or accidents during transit. Necessary for trucking companies, logistics operators, and businesses moving chemicals, fuel, or industrial materials.

Surety Bonds

Guarantees that contractors will fulfill their contractual obligations, providing financial protection to project owners if the contractor fails to complete work, pay subcontractors, or meet performance standards. Required for most public works projects and many private construction contracts, including bid bonds, performance bonds, and payment bonds.

Workers Compensation

State-mandated coverage that provides medical benefits and wage replacement for employees who suffer work-related injuries or illnesses. We specialize in securing workers comp for high-risk industries, businesses with challenging loss histories, and companies facing classification issues, while helping you navigate premium audits and safety programs.

Inland Marine & Property

Covers business property that moves or exists away from your primary location, including tools, equipment, materials in transit, contractor’s equipment, and valuable instruments. Critical for contractors, mobile service providers, and businesses with expensive equipment that travels to job sites or requires protection beyond standard property insurance.

Errors and Omissions (E&O)

Protects service-based businesses and professionals from claims of negligence, mistakes, or failure to deliver promised services, covering legal defense costs and settlements. Essential for consultants, technology companies, insurance agents, real estate professionals, and any business providing advice or professional services.

Professional Liability

Covers claims arising from professional mistakes, oversights, or failure to perform professional duties with proper care and skill. Required for architects, engineers, surveyors, environmental consultants, and other licensed professionals whose work directly impacts client projects and safety.

Directors & Officers (D&O)

Protects company executives and board members from personal liability for decisions made while managing the company, covering legal defense costs and settlements in lawsuits alleging mismanagement, breach of fiduciary duty, or regulatory violations. Important for corporations, non-profits, and businesses with outside investors or significant governance structures.

Cyber Liability

Addresses the growing threat of data breaches, cyberattacks, and digital security incidents, covering notification costs, credit monitoring, legal expenses, regulatory fines, and business interruption from system failures. Increasingly essential for any business storing customer data, processing payments online, or relying on digital systems for operations.

Builder’s Risk Coverage

Provides comprehensive protection for construction projects during the building phase, covering the structure, materials, equipment, and soft costs if damaged by fire, theft, vandalism, or weather events. Required by lenders and project owners for new construction, major renovations, and development projects.

Additional Specialized Coverages

We also provide Equipment Breakdown, Business Income, Commercial Crime, Employment Practices Liability (EPLI), Fiduciary Liability, and other specialized coverages tailored to your industry’s unique exposures.

Service Areas

We offer comprehensive insurance solutions across multiple states, bringing our specialized expertise to diverse markets.

Our primary markets include California, Texas, and Oklahoma—three states where we’ve built deep expertise in energy, construction, and manufacturing industries. In California, where we’re headquartered (License #0G58010), we have extensive knowledge of the state’s complex insurance regulations, workers compensation requirements, and contractor licensing standards.

Our Texas operations focus heavily on the state’s robust energy sector, providing coverage for oilfield contractors, drilling operations, and service companies throughout the Permian Basin, Eagle Ford Shale, and beyond. In Oklahoma, we specialize in the unique insurance needs of the state’s oil and gas industry, including mud logging, well services, and energy transportation.

While these three states represent our core focus, we’re licensed to write insurance in most states across the country. If your business operates in multiple locations or you’re expanding into new markets, we can help you maintain consistent coverage across state lines while meeting each jurisdiction’s specific requirements.

Contact us to discuss your specific location and insurance needs—we’ll let you know immediately if we can help, and we’ll provide the expert guidance you deserve regardless of where your business operates.

Industries We Serve

Our expertise spans across high-risk industries that need specialized insurance knowledge and underwriting experience.

We’ve built our reputation by saying “yes” when other agencies say “no.” The industries we serve include:

Oil & Gas Industries – Drilling contractors, well services, production operators, and midstream companies requiring specialized coverage for unique energy sector exposures.

Fracking Operations – Hydraulic fracturing companies needing pollution liability, control of well, and comprehensive general liability with energy endorsements.

Storage Tanks – Above-ground and underground storage facilities requiring environmental liability and pollution coverage.

Alternative Energy (Solar & Wind) – Renewable energy contractors and operators needing specialized coverage for emerging technology and installation risks.

Manufacturing Industries – Plants and facilities producing goods with product liability, equipment breakdown, and business interruption exposures.

Artisan Contractors – Welders, fabricators, and specialty trade contractors requiring completed operations and products-completed operations coverage.

Mining Industries – Extraction operations needing specialized liability coverage for underground and surface mining activities.

Quarry Operations – Aggregate producers and processors requiring coverage for heavy equipment, explosives, and environmental exposures.

General Contractors – Class A and B contractors managing large projects with complex subcontractor relationships and substantial contractual liability requirements.

Roofing Contractors – Commercial and residential roofing companies needing fall protection, completed operations, and workmanship coverage.

Cell Tower Construction – Specialized contractors erecting and maintaining telecommunications infrastructure at heights requiring comprehensive liability protection.

And Many More Industries – From transportation and logistics to professional services and technology companies, we find solutions for challenging risks.

Contractor & Specialty Trade Insurance

Tailored policies for trades like general contracting, artisan contractors, welding, and energy services—designed to meet the unique risks of your industry.

“Faulty Workmanship” Coverage is available for some industries! This valuable endorsement can protect you from claims arising from defective work, providing coverage that standard policies exclude. Ask us about how we can include this protection in your policy.

Why Choose CVI ?

More Than Just Insurance—Partnership and Protection

✓ 55+ Years of Industry Expertise – Three generations of insurance knowledge serving businesses like yours

✓ Specialized in Hard-to-Place Risks – We thrive on challenges that other agencies won’t touch

✓ Strong Carrier Relationships – Access to A-rated insurance markets including surplus lines carriers for unique risks

✓ Personalized Service – You’re not a policy number—you get direct access to experienced agents who understand your business

✓ Fast Quotes and Binding – We know you need certificates quickly and we deliver

✓ Claims Advocacy – We stand beside you during the claims process, ensuring fair treatment and prompt resolution

✓ Compliance Expertise – We help you navigate contract requirements, certificate demands, and regulatory obligations

Ready to Protect Your Business?

Whether you need a certificate of insurance by tomorrow, want to review your entire insurance program, or have been turned down by other agencies, we’re here to help.

Our team is ready to provide expert guidance, competitive quotes, and the comprehensive protection your business deserves.

📞 Call us today: 818-974-8117

✉️ Email: steve@cvins.com

🏢 Visit us: 3156 Foothill Blvd., Suite A, La Crescenta, CA 91214

Hours: Monday-Friday, 8:00 AM – 5:00 PM PST, but text or e-mail me anytime!!!

California License #0G58010

Also Licensed in AK, TX, OK, NM, ND, PA, NV, WY