Built for the businesses
that build everything else.
Specialized commercial insurance programs powered by modern technology and real human expertise — for the industries other brokers don't fully understand.
Get a real, data-backed estimate in under a minute.
Answer a few quick questions and see what businesses like yours typically pay — before you ever talk to an advisor.
Not a generic agency.
A specialist partner.
Purpose-designed programs for the industries we know best — combining deep underwriting expertise with modern tools that make insurance actually simple.
Industry-Specific Programs
Every program is built around the real exposures of your industry — not a generic policy adapted for anyone. From home health to tech companies, coverage that actually fits.
Technology + Human Expertise
Fast online quoting, instant COIs, and a client portal for managing everything — backed by experienced advisors who know your business and answer your calls.
A-rated to A++ Carrier Access
We work with the country's top-rated commercial carriers, giving you broad market access and the negotiating power that only a dedicated specialist can provide.
Specialized programs.
Built for your world.
Each program is purpose-built for one industry — with coverages, endorsements, and pricing structures designed from the ground up for that specific risk profile.
Nonprofits, social service agencies, and human services organizations.
View programHome health agencies, hospice providers, and in-home care operators.
View programFaith communities of all denominations — GL, misconduct coverage, property.
View programLicensed child care centers, preschools, and family day care homes.
View programPrivate schools, charter schools, and independent academies.
View programHomeowners associations and condominium associations.
View programRestaurants, bars, breweries, and food service operators.
View programSTR property owners and vacation rental managers.
View programAssisted living, memory care, and adult day programs.
View programDental practices, oral surgeons, and orthodontic offices.
View programSalons, day spas, medical spas, and aesthetics studios.
View programGeneral contractors, subcontractors, and construction companies.
View programLicensed plumbing contractors — residential, commercial, specialty.
View programPool builders, service companies, and chemical treatment specialists.
View programLandscaping contractors, grounds crews, and lawn care companies.
View programCommercial cleaning companies and janitorial services.
View programSmall businesses across California — retail, service, professional.
View programSaaS companies, MSPs, and technology businesses.
View programHome health agencies, hospice providers, and in-home care operators.
View programFrom application to active policy
in days, not weeks.
Apply Online
Complete our short industry-specific application — designed to capture only what underwriters actually need.
Get Your Quote
We shop your risk across our carrier panel and return competitive, comparable options — fast.
Bind Coverage
Accept your quote, sign your application, and bind coverage — all online, with immediate confirmation.
Manage It All
Your client portal gives you instant COIs, policy documents, billing, and renewal management in one place.
Illustrative — portal interface shown for reference. Client login coming soon.
Everything in one place,
any time you need it.
No more chasing down documents or waiting on hold. Pull a certificate, review a policy, or check on a renewal from your phone or laptop — day or night.
We write all the major lines.
Whether you need one policy or a full program, Pembroke has the carrier relationships to get it done.
Built for businesses like yours.
"Home health is a tough class to insure and most brokers either don't know it well or can't get competitive pricing. Pembroke went to market and came back with a quote that was dramatically lower than what we were paying before — on the same coverage. We've referred other agencies to them since."
"I've been a general contractor for nearly two decades and have never worked with a broker who actually understood construction risk. Pembroke asked about project types, subcontractor relationships, completed operations exposure — the right questions. What came back was a program that actually reflected how I work."
"I manage several short-term rental properties across California and spent years with a standard landlord policy thinking I was covered. I wasn't. Pembroke explained exactly where the gaps were, got me into a program built specifically for STR exposure, and had everything bound same day."
Your industry deserves a specialist.
Tell us about your business and get a quote built around your actual risk — not someone else's.