A Division of Ryan Ramirez Insurance Agency inc.

Commercial Insurance

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General Liability and Business Owners Package Insurance

Your business must operate in an environment of exposure to business, legal and technological risk! It is crucial that you know the risks that can threaten the business itself, the owners, executives and your employees!
We have positioned Hawkguard Insurance so that we can assess those risks and find the solutions that will best protect you. Through either a General Liability or Business Owners Package policy, Hawkguard Insurance provides the protection you need from:


  • Bodily Injury
  • Property Damage
  • Medical Payments
  • Personal & Advertising Injury
  • Business loss of income
  • Business personal property

Commercial Auto Insurance

Your business relies on company vehicles to transport products, goods and employees daily. You need a reliable and competitive solution to meet your commercial auto insurance needs. Hawkguard Insurance can custom tailor a plan to make sure that, should an accident occur, you are properly protected while allowing minimal disruption to your business.


Workers Compensation Insurance

Workers Compensation is a mandatory type of insurance for businesses in almost every state. Workers Compensation Insurance protects both employees as well as the employer. Employee’s coverage includes, loss of wages, medical expenses and other related expenses that result from an illness or injury at the workplace. Workers Compensation also protects the business owners from being sued by an employee due to workplace injuries or conditions.
One of our best practices at Hawkguard Insurance is to review our client’s business operations, assess class codes, evaluate past and present payroll figures and align that business with the


Commercial Umbrella Insurance

Is the liability coverage in your policy sufficient to protect you and your business? The most efficient way to address the unknowns is to protect the business with excess liability coverage using a commercial umbrella policy. We at Hawkguard like to say, “You don’t have to be a millionaire to be sued like one” Protect your business and invest in an umbrella policy today.


Habitational Insurance

As an owner of multi-family living units (condo complex, apartment buildings, etc.), you worked hard to purchase, rehab and operate your investment property. It is crucial to make sure you have an insurance policy in place that can protect you from the risk exposure associated with owning an investment property. Hawkguard Insurance can construct a policy that will ensure you have the proper coverage to rebuild, protect you from liability exposures and loss of rental income, should the unexpected occur.


EPLI (Employment Practices Liability Insurance)

You are the expert when it comes to your product or service – that’s what you are good at! Do your everyday operating practices expose you to discrimination accusations from your employees or vendors? In today’s world it is essential to have an EPLI policy, to protect from:

  • Employment Discrimination
  • Sexual Harassment
  • Wrongful Termination

Without an EPLI policy, one encounter or event could be the end of business as you know it!


Professional Liability Insurance

You are a master at your craft, a top performer and great at what you do. However, even the best of the best makes mistakes and that’s why it is crucial to have a professional liability insurance policy. This policy will help pay for the cost of defense and any legal matters associated with any unintentional mistakes.


Hawkguard Insurance Services is local independent insurance agency in Temecula CA. We specialize in educating our clients on their insurance options, crafting customized comprehensive insurance plans and providing insurance solutions from some of the nations top insurance providers.

Contact Us

Address: 28545 Old Town Front Street, suite 204
Temecula, CA 92590

Phone: 951-494-7272

Fax: 657-215-8999

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