Compare P&C Insurance Costs in California with Confidence

If you’re running a business in California, you already know how unpredictable insurance costs can be. Whether you’re dealing with wildfire-prone areas, increasing liability exposures, or just a general hardening market, premiums are up,and options often feel limited.

That’s why more and more business owners, CFOs, and risk managers are looking beyond the traditional broker model to compare property and casualty (P&C) insurance in a smarter way.

At PolicySmart, we’ve built an online marketplace that makes it easier than ever to benchmark your insurance policies and identify real savings,without pressure, sales tactics, or unnecessary disruption.

Why Traditional Insurance Shopping Falls Short

Most companies rely on their broker to find competitive pricing. But here’s the truth: many brokers work within a limited set of carriers. They may not show you every option available, and they often get paid more when your premiums go up.

In a state like California, where costs vary wildly depending on industry, location, and loss history, that limited view can be expensive.

We’ve seen businesses overspending on policies that could have been restructured or re-shopped for tens of thousands in annual savings. Not because the broker was malicious,just because the system is built to prioritize placement over transparency.

There’s a Better Way to Compare

Our platform is powered by real data, not guesswork or carrier preferences. We’ve aggregated over 600,000 insurance records and connected to more than 13,000 vendors, giving you a true marketplace view of your options.

That means we don’t just quote a few carriers and call it a day. We benchmark your current policies against similar businesses, in your region and industry, and use that data to uncover what you should actually be paying.

And we’re not here to sell you insurance. We don’t get paid by carriers, and we don’t have a financial incentive to push you into a new policy. Our job is to help you understand what’s available, what’s missing, and what you might be overpaying for,then let you decide what’s next.

It’s Not Just About Price,It’s About Coverage, Too

We’ve helped businesses cut costs without sacrificing coverage. In fact, many of our clients come to us thinking they need a better price, and walk away realizing they also needed better protection.

California’s insurance market is complex. From wildfire exclusions to emerging risks like cyber and EPLI, we make sure nothing falls through the cracks. Our reviews often reveal outdated endorsements, unnecessary riders, or coverage gaps brokers missed.

If you’re a small or mid-sized business, a nonprofit, or a fast-growing startup, you may not have an in-house risk manager. That makes having an independent partner even more critical.

The Results Speak for Themselves

So far, we’ve uncovered more than $130 million in savings for clients. In 95% of the businesses we’ve worked with, we’ve helped lower premiums or improve coverage,often both.

These are organizations just like yours: manufacturers, tech companies, restaurants, associations, professional services firms. Each came to us with the same question: Are we paying too much for insurance?

In most cases, the answer was yes.

What Getting Started Looks Like

You don’t need to switch brokers to work with us. You don’t need to commit to anything, and you certainly don’t need to sit through a sales pitch.

All we need is your current policy information. We’ll review, benchmark, and provide a clear report on where you stand and what savings might be possible. If you decide to make a change, great. If not, you’ve still got new insight into your coverage,and you’ve retained full control of the process.

We believe that’s the way insurance shopping should be.

Want to know how your P&C insurance costs compare to the California market? 

Upload your policy documents and see what’s possible. No pressure, just real insight.