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.
Purpose-designed programs for the industries we know best — combining deep underwriting expertise with modern tools that make insurance actually simple.
01
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.
02
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.
03
A-Rated 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.
Our Programs
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.
CareShield
powered by Pembroke
Home health agencies, hospice providers, and in-home care operators.
SeniorGuard
powered by Pembroke
Assisted living, memory care, skilled nursing, and adult day programs.
PrecisionCare
powered by Pembroke
Dental practices, oral surgery centers, and medical spas.
BuildPro
powered by Pembroke
General contractors, subcontractors, and construction professionals.
PlumberPro
powered by Pembroke
Licensed plumbing contractors — residential, commercial, and specialty trades.
AquaPro
powered by Pembroke
Pool builders, service companies, and chemical treatment specialists.
HostGuard
powered by Pembroke
Short-term rental owners and vacation property management companies.
BizShield
powered by Pembroke
Small business owners across trades, retail, services, and professional sectors.
TechGuard
powered by Pembroke
SaaS companies, IT consultants, software developers, and tech service firms.
How It Works
From application to active policy in days, not weeks.
01
Apply Online
Complete our short industry-specific application — designed to capture only what underwriters actually need.
02
Get Your Quote
We shop your risk across our carrier panel and return competitive, comparable options — fast.
03
Bind Coverage
Accept your quote, sign your application, and bind coverage — all online, with immediate confirmation.
04
Manage It All
Your client portal gives you instant COIs, policy documents, billing, and renewal management in one place.
Client Portal
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.
Instant certificates of insuranceDownload and send a COI in seconds — no waiting on a callback.
Renewal trackingSee exactly when each policy renews, with no surprises.
Billing & paymentsView invoices and manage payment methods without a phone call.
Active Policies
Meridian Contracting LLC
BuildPro — GL + Workers Comp
Active
Coastal Properties Group
HostGuard — STR Portfolio
Active
Sunrise Dental Associates
PrecisionCare — Malpractice
Renewing
Commercial Coverage
We write all the major lines.
Whether you need one policy or a full program, Pembroke has the carrier relationships to get it done.
General Liability
Commercial Property
Business Owners Policy
Workers Compensation
Professional Liability
Commercial Auto
Cyber Liability
Directors & Officers
Umbrella / Excess Liability
Employment Practices Liability
Inland Marine
Builders Risk
Client Stories
Built for businesses like yours.
"Pembroke understood the home health space immediately. They found coverage our previous broker couldn't — and the COI process is completely painless."
MR
Maria R.
Owner, CareFirst Home Health
"As a pool contractor, it used to take weeks to get the right liability coverage. Pembroke turned it around in 48 hours with better limits than we had before."
JT
Jake T.
Owner, Suncoast Pool Service
"We manage 22 short-term rentals and needed a broker who actually knows STR risk. Pembroke's HostGuard program is exactly that — real expertise, real coverage."
AS
Andrea S.
Director, SunBay Vacation Rentals
Your industry deserves a specialist.
Tell us about your business and get a quote built around your actual risk — not someone else's.
A quick, data-backed starting point — built from real industry benchmark data, not a guess. Takes about 60 seconds.
Upload your current policy (optional)
PDF, JPG, or PNG — helps us pre-fill details, but isn't required
Analyzing your document...
Business Details
Estimated Annual Premium Range
$0 – $0
General Liability / BOP-style coverage
Industry
—
Team Size
—
Program
—
What this estimate is — and isn't
This range is based on published industry benchmark data for businesses of similar size and type — it is not a bindable quote. Your actual premium depends on your claims history, exact location, coverage limits, and underwriting review. A licensed Pembroke advisor will confirm real pricing before anything is bound. Most programs also include coverages beyond GL/BOP (workers comp, auto, professional liability, etc.) priced separately.
Want your real quote?
Send this estimate to a Pembroke advisor and we'll follow up with actual pricing.
You're all set
A Pembroke advisor will follow up shortly with your real quote. You can also reach us anytime at (760) 487-8268.
About
We are Pembroke Insurance.
A licensed California insurance broker specializing in commercial programs built for the industries other brokers don't fully understand.
01
Who We Are
Pembroke Insurance is a licensed California commercial insurance brokerage. We are not a carrier — we work on your behalf to find, place, and manage the right coverage from the country's top A-rated insurance carriers. Our focus is on businesses that have specialized risk profiles that generic brokers routinely underserve.
02
Our Approach
We build purpose-specific programs — CareShield, BuildPro, AquaPro, PlumberPro, HostGuard, and others — each structured around the actual risk profile of one industry. This means the coverage fits, the pricing reflects reality, and the advisors you speak with actually understand your trade.
03
Technology & Human Expertise
We believe insurance can be faster, simpler, and smarter. We invest in digital tools — instant quotes, online COI issuance, a client portal — without replacing the advisors who answer your calls and know your business by name.
Pembroke writes all standard commercial insurance lines — placed with A-rated carriers, structured around your specific industry program.
Coverage Lines
What we write.
Every line below is available as part of your industry program — or as a standalone policy. Click any program to see which lines apply to your business.
General Liability
Commercial Property
Business Owners Policy
Workers Compensation
Professional Liability
Commercial Auto
Cyber Liability
Directors & Officers
Umbrella / Excess Liability
Employment Practices Liability
Inland Marine
Builders Risk
Surety Bonds
Pollution Liability
Abuse & Neglect Liability
Technology E&O
Specialized Programs
Find the right program for your industry.
CareShield
powered by Pembroke
Home Health & Hospice
SeniorGuard
powered by Pembroke
Senior Care & Facilities
PrecisionCare
powered by Pembroke
Dental, Oral Surgery & MedSpa
BuildPro
powered by Pembroke
General Contractor
PlumberPro
powered by Pembroke
Plumbing Contractor
AquaPro
powered by Pembroke
Pool Contractor & Service
HostGuard
powered by Pembroke
Short-Term Rental
BizShield
powered by Pembroke
Small Business
TechGuard
powered by Pembroke
Technology Company
Not sure what you need?
Talk to a Pembroke advisor — we'll build the right coverage stack for your business.
Before calling your carrier directly, call or email us. As your broker, we advocate on your behalf and make sure the claim is reported correctly from the start.
02
We Notify Your Carrier
We report the claim to your carrier on your behalf, help you complete initial forms, and make sure nothing is missed in the first submission.
03
We Follow Up
We stay in contact with the adjuster and keep you updated throughout the process — you're never left wondering what's happening with your claim.
04
Resolution
We remain involved until your claim is resolved and you're satisfied with the outcome. That's what a real broker does.
What to Have Ready
When you call, bring these.
Your policy number (found on your declarations page or COI)
Date, time, and location of the incident
A description of what happened
Photos or documentation if available
Names and contact info of any other parties involved
Any police report numbers, incident reports, or witness statements
Important
A note about our role.
Pembroke Insurance is your broker — not the insurance carrier. Final claim decisions are made by the issuing carrier per the terms of your policy. We are here to advocate for you, facilitate the process, and make sure your voice is heard. We do not have authority to approve or deny claims.
Have a claim? Call us now.
The sooner we hear from you, the better we can help.
