Whether you're just starting out or managing a multimillion-dollar security operation, the size of your business has a direct impact on the type and scope of insurance coverage you need. At Bone Robertson & McBride Inc., we specialize in protecting businesses across California and 10 other states. Understanding how your company’s growth affects risk exposure and insurance requirements is essential to safeguarding your operations—and your bottom line. 
Foundational Protection at Every Stage
Regardless of business size or tenure, all companies need core coverage. General Liability, Commercial Auto, and Workers’ Compensation serve as the foundation of a comprehensive insurance program. These policies help protect against bodily injury, property damage, auto accidents, and workplace injuries.
Whether you're a new venture or an established operation, it’s critical to align these policies with your risk profile to avoid being over- or under-insured.
Growth Brings Complexity—And Opportunity
As your business expands—through increased revenue, headcount, or geographic reach—so does your exposure to new risks. Adding job sites, service lines, or vehicles often calls for reevaluating your insurance portfolio. We frequently recommend expanded coverage such as:
- Umbrella Liability
- Professional Liability (E&O)
- Employment Practices Liability (EPLI)
- Cyber Liability
Our team works closely with you to ensure your insurance program evolves with your business—keeping you compliant, competitive, and protected.
Fleet Expansion and Commercial Auto
If your operations rely on vehicles, your insurance needs will vary dramatically based on the size of your fleet. A business with three trucks does not have the same exposures—or insurance requirements—as one with a fleet of 25.
At Bone Robertson & McBride, we help tailor commercial auto programs with scalable liability limits and fleet safety measures. We also guide you in implementing driver safety programs that can improve your underwriting profile and reduce premium costs.
⚠️ Important Notice for California and Nevada Operators
The commercial auto market in California and Nevada is tightening rapidly. Due to extremely high loss ratios in these states, many carriers are exiting or reducing their appetite. To remain insurable—and competitively priced—you must take proactive steps:
· Implement a formal safety program
· Conduct regular safety meetings with drivers and supervisors
· Use real-time motor vehicle monitoring systems
· Enforce strict driver qualification standards
· Review and analyze every claim to determine root causes and educate staff on prevention
Carriers are scrutinizing driver records more than ever. Poor driving histories may result in exclusions or significant surcharges. It's no longer optional to manage these risks—it’s essential.
Specialty Coverage Is Not Optional—It’s What We Do
Many of our clients operate in specialized industries where niche exposures require more than basic coverage. We routinely provide:
- Pollution Liability (including Auto Transit Pollution)
- Fumigation-Specific Liability
- Care, Custody, and Control Coverage
- Errors & Omissions (E&O)
- Lost Key Coverage
- Assault & Battery
- Employee Benefits Liability
These aren't just “add-ons”—they're essential protections for businesses operating in complex, high-risk environments. We understand the operational, regulatory, and reputational risks our clients face and proactively build these protections into your insurance program from the outset.
Special Wording and Endorsements—Handled with Precision
Many of our clients serve municipalities, property managers, or enterprise clients with strict insurance requirements. Whether it’s Additional Insured, Primary & Non-Contributory wording, Waivers of Subrogation, or elevated limits, our team ensures your insurance program includes the necessary endorsements—accurately and on time.
Right-Sized Coverage. Right-Sized Advice.
At Bone Robertson & McBride, we don’t offer cookie-cutter insurance solutions. We tailor our approach to your unique needs—aligning your insurance with where you are today while planning for where you’ll be tomorrow. Whether your business earns $50,000 or $100 million annually, we provide strategic, knowledgeable guidance that grows with you.
Let’s Talk
Let’s make sure your insurance is doing its job—protecting what you’ve built and enabling what’s next.
📞 Contact Aimee Padden at (925) 674-1000
📧 Email us at info@brmins.com to schedule a no-obligation consultation.
This blog is for general informational purposes only and should not be considered legal advice.