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Patrick O'Neill

949-236-0971
patrick@pjobrokerage.com

Business Insurance In Fullerton

Fullerton’s Trusted Partner For Business Insurance

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    Customized Business Insurance Plans
    That Fit Fullerton Companies

    Guiding Fullerton Businesses Through Coverage Decisions With Confidence & Care

    At PJO Insurance Brokerage, we partner closely with Fullerton entrepreneurs to navigate complex policy options effortlessly. Our advisors evaluate unique business exposures, clarify coverage features, and recommend tailored solutions. By combining deep industry expertise with support, we ensure leaders feel informed and secure. From liability analysis to property protection, our team prioritizes clear communication, timely updates, and proactive risk management strategies that foster lasting confidence.

    We know that each business is different and comes with its own set of insurance needs. We feel very strongly that being properly insured is just good business sense, and our experienced brokers will help design an insurance program specifically for your company’s needs. Trust us to guide every decision with care and precision, and to experience what it is like to work with Fullerton business insurance professionals who are committed to superior customer service.

    Custom Commercial Insurance for Fullerton Companies

    Trust PJO Insurance Brokerage To Safeguard Your Business

    20+ Years Of Helping Businesses Thrive With The Right Coverage

    With over twenty years of experience, PJO Insurance Brokerage supports Fullerton businesses through risk management and claims handling. We offer commercial property protection, general liability coverage, and specialized policies tailored to unique industry challenges. Our strong carrier relationships secure competitive premiums, while our advocacy ensures smooth claim settlements. Our clients receive proactive policy reviews, renewal reminders, and guidance to adapt coverage as needs change.

    Our professional team also addresses claims quickly, handles all paperwork, negotiates with carriers on your behalf, and provides clear, timely status updates to help you fully recover with minimal disruption.

    Our Clients’ Testimonials

    5-Star Rated Business Insurance Company Serving Fullerton, CA

    PJO Insurance Brokerage has a comprehensive understanding of all your insurance needs! Not only are they highly knowledgeable, they also offer a level of professionalism and courtesy that sets them apart from their competition. Quick to respond to your needs, PJO Insurance Brokerage makes you feel like you have someone looking out for your best interests. Our company has used them exclusively and will continue to do so. We have the utmost confidence in PJO Insurance Brokerage, and so should you!

    Felicity Sevanik | ★★★★★

    PJO Brokerage's Happy Client

    Patrick is the easiest person to work with and always gets our company the best possible insurance rates. We love working with PJO Insurance Brokerage!

    Melissa Mcmurray | ★★★★★

    Great Insurance agency, I’ve been with PJO Insurance for many years insuring all my business needs, they always get me the best deals possible, very professional and trustworthy.

    JJ Property Investments LLC | ★★★★★

    Patrick O’Neill: Business Insurance Broker

    Meet Patrick O’Neill & His Team Members

    Bringing Over 5 Decades Of Commercial Insurance Knowledge To Fullerton

    Patrick O’Neill brings over fifty years of experience to PJO Insurance Brokerage, guiding Fullerton clients through complex commercial coverage decisions. Supported by a dedicated team of specialists in property, casualty, and specialty lines, he directs thorough risk assessments and personalized policy strategies. Under his leadership, we prioritize clear guidance, proactive renewal planning, and rapid claims response. Their combined expertise across diverse industries ensures each business benefits from tailored solutions, attentive service, and compliance advice.

    What Makes Us Trusted Business Insurance Brokers In Fullerton

    Fullerton-Specific Business Risk Analysis

    Thorough Risk Assessments For Business

    Our experts perform detailed risk assessments to uncover vulnerabilities in operations, evaluate financial exposures, and recommend mitigation strategies. We analyze property, liability, and emerging industry hazards to develop protection plans.

    Tailored Insurance for Your Business' Needs

    Tailored Insurance For Your Operations

    We customize insurance packages to fit your business model, industry requirements, and growth objectives. By selecting appropriate policy types and limits, we safeguard assets, protect revenues, and support ongoing stability.

    Regular Policy Updates for Fullerton Business

    Ongoing Support For Policy Updates

    Our team monitors policy expiration dates, market trends, and regulatory changes, then recommends adjustments to maintain coverage. We coordinate renewals, update endorsements, and ensure policies evolve with your business needs.

    Fast Claim Processing

    Fast And Stress-Free Claims Help

    Upon claim notification, we quickly handle filing, documentation, and carrier negotiations to secure efficient settlements. Our skilled team reduces stress and downtime, and regularly keeps you informed at every stage.

    Let’s Craft The Perfect Insurance Plan For You!

    Map Showing Our Location In California

    Visit Our Business Insurance Experts At Our California Office

    map marker Showing Our Office Address In California

    107 Via Estrada, Unit A
    Laguna Woods, California 92637

    patrick@pjobrokerage.com

    Monday – Friday: 9:00 am – 5:00 pm
    Saturday: 9:00 am – 12:00 pm

    View Map | Get Directions

    FAQs About Our Business Insurance Coverage

    We offer a broad range of commercial insurance products that protect every aspect of your operations. Our core options include General Liability, Commercial Property, and Business Owner’s Policies (BOPs) that bundle essential coverages. We also provide Workers’ Compensation, Commercial Auto, and Professional Liability (Errors & Omissions) for service-based firms. If you need more specialized protection, ask about Cyber Liability, Employment Practices Liability, Directors & Officers (D&O), and Inland Marine coverage for valuable equipment in transit.

    First, start by evaluating your unique risks (workplace injuries, property damage, professional errors, or cyberattacks). Next, schedule a consultation with one of our advisors. We’ll walk you through policy terms, limits, and exclusions in clear, jargon-free language. We’ll gather details on your revenue, payroll, and assets to run side-by-side quotes from top carriers. Finally, weigh premiums against coverage limits and deductible levels to find the best balance between cost and protection.

    Absolutely. We recognize that no two businesses operate identically, so we customize packages that address niche exposures. Whether you run a high-value retail showroom, a tech startup handling sensitive data, or an artisan contractor using specialized tools, we’ll design endorsements that fit your circumstances. For example, we’ll add product-recall protection for food businesses, equipment breakdown coverage for manufacturing, or data breach response for medical practices. By blending standard forms with industry-specific riders, we ensure your insurance aligns precisely with your operations.

    Our clients span a diverse cross-section of industries. We insure retail shops, restaurants, and hospitality venues; professional services like legal, accounting, marketing, and design firms; and trades such as general contractors, electricians, and landscapers. We also serve technology companies, healthcare providers, real estate agencies, and nonprofit organizations. Thanks to decades of experience, our team understands the unique exposures in each sector, so whether you’re running a clothing store or a manufacturing plant, we have proven solutions that fit your industry’s risk profile.

    In most cases, you’ll receive a preliminary quote within 24–48 hours once we’ve gathered basic information (like your industry classification, gross receipts, payroll, and coverage needs). Simple BOPs or standalone policies can often be quoted the same day. More complex risks, such as high-value properties, specialty professional liability, or customized package programs, might take 2–5 business days as we coordinate with multiple carriers. Throughout the process, we keep you updated on any status and clarifications.

    Yes, of course! Whether you’re a sole proprietor or a multinational corporation, we’ve got you covered. Solo entrepreneurs and startups can start with streamlined packages that focus on core exposures, while mid-sized firms benefit from broader custom solutions. For larger enterprises, we offer layered insurance programs, captives, and risk-financing strategies that optimize your cost structure. Our carrier network includes markets that specialize in every size bracket, so you’ll always find a policy that fits your scale, budget, and growth.

    When you experience a loss, simply notify our office by phone or email as soon as possible. We’ll assign a dedicated claims advocate who gathers initial details, submits your paperwork, and opens communication with the carrier on your behalf. From there, we’ll coordinate inspections, assist with documentation (photos, estimates, invoices), and negotiate settlement terms. Throughout every stage, we provide clear status updates so you understand next steps, timelines, and any out-of-pocket expectations.

    You should review your insurance at least once a year (usually at policy renewal), but also anytime your operations change. Key triggers include expanding into new locations, purchasing expensive equipment, adding employees, launching new products or services, or securing large contracts. Regulatory shifts or industry trends (like new cyber threats) also warrant a fresh look. By proactively reassessing your exposures and coverage limits, you’ll avoid surprises and guarantee that your protection evolves right alongside your business.

    Read Our BlogFor Business Insurance Guidance & Liability Insights

    • Master Commercial Insurance Basics
    • Explore Policy Coverage Options
    • Understand Liability Issues
    • Learn About Risk Management

    Start Your Business Insurance Quote Now!

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      PJO Insurance Brokerage


      California Business Insurance Agency
      107 Via Estrada, Unit A
      Laguna Woods, California 92637

      Office: 949-236-0971
      Email: patrick@pjobrokerage.com
      Website: pjobrokerage.com/california


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