Huntington Beach | Beach Blvd

About Huntington Beach | Beach Blvd

Insurance in Huntington Beach (Beach Blvd), CA

Inszone Insurance’s Beach Boulevard office is at 19900 Beach Blvd, Suite F1, in Huntington Beach. Beach Boulevard is State Route 39, which begins at the Pacific Coast Highway here and runs north through Orange County. The office works with contractors, restaurants and other small businesses as well as households.

This office was Western Republic Insurance Services, a family-owned Huntington Beach agency founded in 2009 that joined Inszone in late 2025 and still works from this location. Contractors were its main focus, alongside restaurants, dry cleaners and personal lines.

We are an independent insurance agency in Huntington Beach, CA, so a policy can be placed with any of the carriers we represent rather than with a single company. That gives an Insurance Specialist room to compare markets at each renewal, which matters for a business whose payroll and loss history change from year to year.

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Personal Insurance in Huntington Beach (Beach Blvd), CA

For Huntington Beach households we write homeowners, renters, condo and auto policies, and place landlord, personal umbrella, motorcycle, boat and collector vehicle policies through Inszone’s personal lines team.

A driver’s quote depends on the vehicles, the drivers and how far the commute runs, whether that is the Pacific Coast Highway, the 405 or a job site. California’s minimum liability limits rose on 1 January 2025 to $30,000 per person, $60,000 per accident and $15,000 for property damage, and an Insurance Specialist can talk through whether those limits fit your situation.

On the coast, a standard homeowners policy leaves out flood and earthquake, and both are written separately. Earthquake is usually placed through a carrier participating in the California Earthquake Authority. Renters and condo owners have policies of their own, written around belongings and liability or around the inside of the unit.

Business Insurance in Huntington Beach (Beach Blvd), CA

Contractors were the legacy agency’s main focus, and contractor insurance in Huntington Beach, CA starts with the trade itself: the work done, whether there are employees or subcontractors, and what a customer or general contractor asks to see. General liability, commercial auto and workers’ compensation are the lines most often built around a contractor, and a certificate of insurance is often what a job is waiting on.

Workers’ compensation insurance in Huntington Beach, CA starts from California’s rule that an employer with one or more employees must carry it, with no small-employer exemption. Five contractor classifications (C-8 Concrete, C-20 HVAC, C-22 Asbestos Abatement, C-39 Roofing and C-61/D-49 Tree Service) must carry it even with no employees, and other licensees with no employees can file an exemption for now, a window scheduled to close on 1 January 2028. An Insurance Specialist can go through which applies.

The agency also writes restaurant insurance in Huntington Beach, CA, and dry cleaners and other neighborhood businesses have questions of their own, from kitchen equipment and food spoilage to the machinery and chemical handling behind a cleaner. General liability, commercial property and business owner’s policies are built around how each place operates.

Inszone Insurance agency near me

Call 714-536-0500, use the quote form on this page, or come by 19900 Beach Blvd, Suite F1.

Contractors, restaurant owners and households from Huntington Beach, Fountain Valley and Westminster come to this office. Inszone also has a second Huntington Beach, CA insurance office on Professional Circle, and we can route you there if it is closer.

Whether you are renewing a policy, adding a truck to a contractor’s account or setting up a first restaurant, our Insurance Specialists can talk through the options available for your situation.

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FAQs

What are the minimum auto insurance requirements in California?

California requires liability limits of at least $30,000 per person, $60,000 per accident and $15,000 for property damage. Those limits took effect on 1 January 2025, the first increase since 1967, and they rise to $50,000, $100,000 and $25,000 on 1 January 2035.

Does my Huntington Beach business need workers’ compensation insurance?

Yes, if it has one or more employees. Under California Labor Code section 3700 there is no small-employer exemption, and a specialist can confirm how the rule applies to your business.

Does my contractor license require workers’ compensation if I have no employees?

For five classifications, yes: C-8 Concrete, C-20 HVAC, C-22 Asbestos Abatement, C-39 Roofing and C-61/D-49 Tree Service must carry it even with no employees. Other licensees with no employees can file an exemption for now, and that option is scheduled to end on 1 January 2028. A specialist can confirm how it applies to your license.

Do you write restaurant and dry cleaner insurance?

The legacy agency wrote both, alongside contractor and personal lines. Which lines this office places directly and which go through Inszone’s wider team depends on the business, so a specialist can explain how yours would be quoted.

Is this the same office that was Western Republic Insurance Services?

Yes. Western Republic Insurance Services, a family-owned Huntington Beach agency founded in 2009, joined Inszone Insurance in late 2025 and continues at 19900 Beach Blvd, Suite F1. If you were a Western Republic client, call 714-536-0500 and the team can go through your policies.

How do I get a quote from your Huntington Beach Beach Boulevard office?

Call 714-536-0500 or use the quote form on this page, or come by 19900 Beach Blvd, Suite F1 if you would rather do it in person. For a home or car, have your current declarations page to hand; for a business, your revenue, payroll by job class and recent loss runs.