Ontario

About Ontario

Insurance in Ontario, CA

Inszone writes insurance in Ontario, CA from our office at 800 Ferrari Lane, Suite 250. The office is on Ferrari Lane, next to Toyota Arena and Ontario Mills.

This office brings together two Inland Empire agencies. Cardenas Insurance Services was founded in 2006 by Christina Cardenas, and it joined Inszone in January 2022, when its team moved into this Ontario office. Nugen & Associates Insurance Services, a Rancho Cucamonga agency known for its commercial work with contractors and businesses, joined in June 2023. Assistance Insurance Agency is also joining the Inszone brand in this same office. Clients who search for these names are looking for this office. Policies carried over.

Our insurance agency in Ontario, CA represents many carriers rather than one, which lets us compare options at each renewal. That matters in the Inland Empire, where a household, a truck fleet and a warehouse each need a different market.

Buy your insurance in Ontario, CA!

Personal Insurance in Ontario, CA

For Ontario households we write homeowners, renters, landlord, condo and auto policies, and place personal umbrella, motorcycle, boat, RV and classic car policies through Inszone’s personal lines team.

Some California carriers have paused new business or non-renewed homes in higher-risk areas, so home insurance in Ontario, CA starts with which markets are writing the property. Homeowners insurance is placed with an admitted carrier where one will write the home. When none will, the next steps are usually a surplus lines carrier, then a residual-market fire policy paired with a difference in conditions policy for the coverage the fire policy leaves out. Earthquake and flood are excluded from standard homeowners policies and are written separately, and earthquake is usually available through a carrier participating in the California Earthquake Authority.

Drivers comparing car insurance in Ontario, CA should know California raised its liability minimums on January 1, 2025, to $30,000 per person, $60,000 per accident and $15,000 for property damage. Auto insurance in Ontario, CA quotes also depend on the commute, and drives along the 10, 15 or 60 freeways add up.

Renters insurance in Ontario, CA is a separate policy for a tenant’s belongings and liability, written apart from the landlord’s building policy.

Life insurance in Ontario, CA is quoted through Inszone’s wider team. Health insurance is quoted through Inszone’s benefits team, which has account managers in this office.

Business Insurance in Ontario, CA

Business insurance in Ontario, CA is placed through Inszone’s commercial team, with this office as your starting point. Steven Rivera is the Senior Commercial Insurance Specialist here.

Commercial insurance in Ontario, CA ranges from general liability, commercial property and business owner’s policies to commercial auto and fleet, workers’ compensation, cyber and professional liability, and surety bonds.

Logistics is a large part of the Ontario economy, and this office works with the sector, from truck fleets to warehouses.

Trucking insurance in Ontario, CA usually starts with primary liability on the trucks, with physical damage and cargo terms often added by contract or lender requirement. Commercial truck is rated on the weight of the vehicles, how far they run and what they haul.

Federal rules set a $750,000 minimum for for-hire carriers of non-hazardous freight in interstate commerce with vehicles of 10,001 pounds or more. California’s Motor Carrier Permit program requires liability insurance ranging from $300,000 to $5,000,000, depending on the vehicles and what is hauled. A specialist can match a program to those requirements and to the contracts a carrier signs.

Cargo insurance in Ontario, CA is written for the freight on the truck, and limits and exclusions vary by carrier. Warehouse insurance is usually built around the building or contents, the operations, and warehouse legal liability for other people’s goods stored on site. Logistics insurance in Ontario, CA for freight brokers and third-party logistics companies is often a package of contingent cargo, general liability, and errors and omissions terms.

Contractors insurance in Ontario, CA usually starts with general liability, workers’ compensation, commercial auto and inland marine for tools and equipment. Workers’ compensation insurance is required from the first employee under California Labor Code section 3700, and the FAQ below lists the contractor classes with a stricter rule.

Finally, employee benefits in Ontario, CA are handled by Patty Monasterio and Jeanine Manzano, this office’s benefits account managers. Group health insurance for Inland Empire employers is quoted through the same benefits team.

Inszone Insurance agency near me

Our Ontario insurance office is open Monday to Friday, 8:30am to 5:00pm. Call 909-483-0667, use the quote form on this page, or come by 800 Ferrari Lane, Suite 250.

As an Ontario insurance agency, we work with households and employers across San Bernardino County and the Inland Empire. Whether you are adding a truck to a fleet, reviewing a warehouse policy, quoting a contractor’s program, or looking for a home policy after a non-renewal, 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. These limits took effect on January 1, 2025, the first increase since 1967, and they rise again to $50,000, $100,000 and $25,000 on January 1, 2035. A claim above the policy limit falls to the driver, and a specialist can show how higher limits are quoted.

My home insurance wasn’t renewed. What are my options?

A non-renewal notice states a reason and an effective date, and the options are usually worked through in order. The first step is to re-shop the admitted market. If admitted carriers decline the home, surplus lines carriers are next, and then a residual-market fire policy paired with a difference in conditions policy for the coverage the fire policy leaves out. A specialist can walk through which options are open for your address.

Does my Ontario business need workers’ compensation insurance?

Yes, from the first employee. California Labor Code section 3700 has no small-employer exemption, so a business with one part-time employee is in the same position as one with fifty. Contractors licensed in five classes must carry workers’ compensation even with no employees: C-8 Concrete, C-20 Warm-Air Heating/HVAC, C-22 Asbestos Abatement, C-39 Roofing, and C-61/D-49 Tree Service. Other licensees can file a no-employee exemption until January 1, 2028.

What insurance does a trucking company in California need?

Federal rules set a $750,000 liability minimum for for-hire carriers of non-hazardous freight in interstate commerce with vehicles of 10,001 pounds or more. California’s Motor Carrier Permit program requires liability insurance from $300,000 to $5,000,000, depending on the vehicles and what is hauled. Cargo and physical damage terms are often set by the contracts and lenders involved rather than by the state. A specialist can match a program to the permits and contracts a carrier holds.

Is this the same office that was Cardenas Insurance Services?

Yes. Cardenas Insurance Services joined Inszone in January 2022, and its team moved into this Ontario office. Nugen & Associates Insurance Services joined in June 2023. Both continue from 800 Ferrari Lane, Suite 250, and the office number is 909-483-0667. Policies carried over.

How do I get a quote from your Ontario insurance office?

Call 909-483-0667 or use the quote form on this page, and come by 800 Ferrari Lane, Suite 250 if you would rather do it in person. For a home or car, have your current declarations page to hand; for a truck fleet, your unit list, radius and operating authority; for a business, your revenue, payroll by class code and recent loss runs.