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Common Questions
Got questions? We’ve got answers. Here’s what businesses ask us most about coverage, savings, and our approach to commercial insurance.
No. Germani Insurance Services, Inc is an independent commercial insurance brokerage based in Los Angeles, California. We are not affiliated with Germania Insurance of Texas or any company with a similar name. Germani Insurance was founded in 2006 by William Germani, CIC, and operates under California license #0I43584.
Three things. First, we focus exclusively on commercial insurance, so every conversation is informed by deep familiarity with how California and multi-state businesses operate. Second, we include OSHA and HR compliance support as part of our client relationship rather than as an upsell. Third, our team brings over 90 years of combined commercial insurance experience and we maintain access to a broad panel of carriers, which lets us actually shop your coverage rather than steer you toward a
single market.
Yes. We are licensed in California, Texas, Arizona, Florida, Nevada, and New York, and we routinely place coverage for businesses operating across multiple states. If your business has employees, locations, or operations in more than one state, we can structure your program to address each jurisdiction's requirements.
We insure small to mid-sized commercial clients across a wide range of industries, including contractors, real estate, retail, hospitality, professional services, manufacturing, and transportation. Our team has particular depth in contractors' insurance and workers' compensation.
Submit a quote request through our website with your basic business information and current annual premium, and a member of our team will reach out within one business day. From there, we'll review your existing coverage, identify gaps or overlaps, and shop the market on your behalf. Most quotes are returned within five to seven business days depending on coverage type.
No. While our office is located in Los Angeles, we serve commercial clients throughout California and across Texas, Arizona, Florida, Nevada, and New York. Most of our work is conducted by phone, email, and video, so geographic distance is not a barrier.
Yes. Workplace safety, OSHA compliance support, and HR guidance are part of our standard service relationship for policyholders. We help clients understand their obligations, prepare for inspections, and implement practical safety programs that also support better insurance outcomes.
You can pay your policy online through the Make a Payment link in our main navigation, which routes to our secure payment portal. If you have questions about your billing or need to set up automatic payments, our customer service team can be reached at 310-733-2390.
Germani Insurance Services, Inc was founded in 2006 by William Germani, CIC. Our team brings more than 90 years of combined commercial insurance experience.