San Diego · Independent Brokerage
Keeping businesses moving and families protected.
CA Lic. #6005803
Built for the businesses of San Diego.
Contractors, retailers, restaurants, fabricators, agencies — anyone with payroll, property, or a contract on the line.
A coverage gap nobody flagged. A renewal that lapsed quietly. A policy that didn't match how the business actually operates. The bill arrives after the claim is denied.
Your workers' comp class codes haven't been audited in years. Roofers paying clerical rates is one problem; clerical paying roofer rates is the more common one. Either way, you're bleeding premium.
Carriers raise rates because they can. Without a broker shopping the market every year, your renewal is whatever they decide it is. Real money walks out the door annually.
Dial the 1-800. Get transferred. Leave a voicemail. Re-fax the documents. Re-fax them again. Meanwhile the business sits with a hole in the wall and a deductible due.
Most business owners don't know they're underinsured until the claim is denied. The form you signed in 2019 doesn't match the business you're running in 2026.
GL through one agent. WC through another. Bonds through a surety guy. Auto through the captive down the street. Nobody sees the whole picture, and the gaps are exactly where they overlap.
Sound familiar? You're not alone.
Solstice replaces the patchwork of captive agents, call centers, and DIY renewals with one independent broker who shops seven carriers across twelve lines of coverage — and stays on the phone when things go wrong.
General Liability, Property, BOP, and EPLI — structured to your real exposure, not a template. We write the endorsements that actually cover what the standard policy leaves out.
Know exactly what's covered, where the gaps are, and how the carriers will respond when a claim lands.
California-required and unforgiving. We review class codes annually, audit experience-mod factors, and shop the four WC specialists carriers most agents never talk to.
Pay-as-you-go payroll sync. Claims advocacy. Audit support before the carrier comes knocking.
Contractor license, performance, payment, bid, court bonds — all written through surety markets that move at the speed of your project deadlines.
Bid bonds same-day when the deadline is tomorrow. Performance and payment bonds inside the week.
We don't work for a carrier — they work for us. Every quote runs across seven markets and lands on your desk with a single clear recommendation and the math shown.
No hidden incentives. No "preferred carrier." Just the policy that actually fits.
When something happens, you call us. We open the claim, ride the carrier, translate the jargon, and stay on it until the check clears. No hold music. No re-routing.
Same broker who wrote the policy handles the claim. We know what's covered because we wrote it.
We hold appointments with the carriers that actually compete on California risk. Every quote, every renewal, every line — shopped end to end so the best price is the price you see.
When markets shift, we re-shop. You don't have to lift a finger.
They wrote our GL, workers' comp, and a performance bond in one week. I call one person for all of it. The first audit was painless because they caught the class codes before the carrier did.
Switched our home and two cars and saved $1,100 the first year. More importantly, they caught a coverage gap our last agent missed for five years.
Filed my first claim ever after a kitchen fire. They walked me through every step and stayed on the carrier for me. Felt like family, not like an account number.
Our exp-mod was wrong for three years and no one told us. Solstice fixed it on the first audit, dropped premium 18%, and now they review it every renewal without me having to ask.
Needed a $500K performance bond on a Friday afternoon for a Monday bid. I called Solstice at 3pm. We had it in writing by 5pm. The bid won the job.
I was with a captive agent for 12 years and never thought about it. Solstice ran the same coverage through seven markets and saved us $4,200. The independence matters.
Join the San Diego business owners
who stopped renewing on autopilot.
Most people do, and most never stress-test what they're paying. We'll quote your existing coverage across several different carriers and show you the math. If your current agent has the best deal, we'll say so. If not, you'll have a number to negotiate with.
Often yes, but the bigger win is getting the right coverage at a fair price. Bundling can typically save 10–25%. Workers' comp audits often uncover class-code errors worth thousands of dollars. Re-shopping the market keeps carriers honest. We quote bundled, unbundled, and stacked options so you can see the real comparison.
Yes. A captive agent sells only one carrier's products, such as Allstate, Farmers, State Farm, or GEICO. We're independent, which means several carriers compete for your business on every line. The coverage can be the same, but the price often isn't.
Personal lines and most small commercial policies are typically quoted within 24 hours. Larger commercial policies and workers' comp usually take up to 48–72 hours, and bonds can often be issued instantly if they're approved during the quoting process. Need a bid bond on a tight deadline? We can often provide it the same day. We don't disappear between steps.
Nothing directly. We're paid by the insurance carrier through a commission that's already built into the premium. In most cases, you'll pay the same premium whether you buy the policy directly or work with us, there's no extra cost to you for using a broker. The difference is that we shop the market on your behalf to find the right coverage at the most competitive price.
We don't adjust claims directly, that is handled by the insurance company's claims department. But we work alongside our insureds by helping file the claim if needed, connecting with adjusters, answering questions, explaining the process, and helping communicate with the carrier.
Lapsed coverage. Misclassified employees. Auto-renewed at 20% higher. It adds up fast.
Get a real quote from a real agent in San Diego, and stop renewing on autopilot.
Free. No obligation. One licensed broker on the other end.
CA Lic. #6005803 · Independent brokerage serving San Diego since 2012
Call Us
(619) 500-2021or tell us your needs
A licensed broker will reach out within one business day. We also sent a confirmation to your inbox.
Closing in 5…