Commercial Business Insurance


Business Insurance

Securing the appropriate Business Insurance needs to be at the top of your business planning agenda. Even if you haven’t had a claim in recent history, you know it’s not a question of if but when.

Mistakes will happen because employees are human. Even if your operations are flawless, a disgruntled customer, client, employee, vendor or investor will eventually claim you harmed them by falling short in terms of product, service or quality of advice.

Lawsuits can quickly run into six figures in legal fees, never mind damages you might have to pay. But it’s not just about lawsuits. Let’s not forget cybercrime, natural disasters, theft, vandalism and everyday damage and loss.

As Merced County’s largest independent insurance agency, the professionals at Leap | Carpenter | Kemps Insurance Agency understand business risk management. We offer all types of Business Insurance including General Liability, Workers’ Compensation and Business Property. We also work with more than 200 insurance companies so we can get you what you need at the best price.

Our Business Insurance Types Include



  • General Liability

  • Commercial Auto

  • Commercial Property

  • Commercial Umbrella

  • Workers' Compensation


  • Builder’s Risk

  • Commercial Earthquake

  • Kidnap / Ransom

  • Accounts Receivable

  • Employment Practices

  • Business Interruption


  • Errors & Omissions

  • Directors & Officers

  • Medical Malpractice

  • Cyber Liability


Tailored Business Insurance Just For You

No two businesses are alike when it comes to their risks and exposures. One-size-fits-all Business Insurance is not enough. Your insurance coverage should be tailored for your company’s particular risk profile, which is affected by things like corporate structure, number and type of employees, product offerings, geographic reach and even use of technology.

Your custom insurance package needs to be monitored by someone throughout the year to ensure that it always matches your business requirements. That someone doesn’t need to be on your in-house team. That someone can be your Leap | Carpenter | Kemps Insurance Agency independent insurance agent.

(If you only hear from your insurance agent at annual renewal time, it’s time for a new agent.)