Insurance for Monterey County Bank members.

A builder’s risk policy is a type of property insurance that covers a building, materials, and equipment while a project is under construction or major renovation, typically against things like fire, theft, vandalism, and certain weather events

Protects a business’s physical assets—including buildings, equipment, inventory, and tools—from perils like fire, theft, vandalism, and storm damage. It covers costs to repair or replace damaged property (owned or rented) and, in some cases, lost income during repairs.

Protects company leadership from personal liability if shareholders, employees, or regulators bring a claim against a business decision.

Many SBA lenders require the borrower to carry life insurance before the loan closes.

Covers legal defense and settlements if a client claims your advice or work caused financial loss.

If your business handles customer data or payments online, cyber coverage covers recovery, legal, and notification costs.

Business auto coverage fills gaps personal policies miss, covering accidents, liability, and damage for work vehicles.

Required in most states if you have employees. Covers medical costs and lost wages if someone gets hurt on the job.

Covers your business if a customer gets hurt, if you damage someone's property, or if someone claims your product caused them harm.

Covers your building, equipment, and inventory, plus protection if a customer gets hurt on your premises.