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.

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California License 0N09137 | Independent Agency | A+ Rated Carriers | Serving the Bay Area Since 2010

Insurance for Every Bay Area Business and Household

Contractors - General liability, workers’ comp, tools & equipment, builder’s risk. [Learn More →]

Restuarants - Liquor liability, property, equipment breakdown, workers' comp. [Learn More →]

Retail — Property, inventory, general liability, cyber. [Learn More →]

Personal Insurance — Home, auto, umbrella, and more for you and your family. [Learn More →]

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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]

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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.

  • 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.

  • 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.

Frequently Asked Questions