Comprehensive coverage solutions for hard-to-place commercial risks. We specialize in Surplus Lines (E&S) insurance for businesses that standard carriers decline.
We place all major commercial lines through the Surplus Lines market, providing coverage options when admitted carriers are unavailable or inadequate.
Protects your business against third-party claims of bodily injury, property damage, and personal injury (libel, slander). Essential for any business that interacts with customers, vendors, or the public.
Covers your business property including buildings, equipment, inventory, and furniture against fire, theft, vandalism, and other covered perils. Business income coverage protects against lost revenue during restoration.
Covers vehicles owned or used by your business for liability and physical damage. Includes coverage for employees driving company vehicles and may cover hired or non-owned autos.
Mandatory in most states, covers medical expenses and lost wages for employees injured on the job. Also provides employer liability protection against employee lawsuits related to workplace injuries.
Protects against claims of negligence, errors, or omissions in professional services provided. Essential for any business providing advice, consulting, or specialized services.
Covers establishments that sell, serve, or manufacture alcohol for claims arising from intoxicated patrons. Required by many states and landlords for alcohol-serving businesses.
Protects manufacturers, distributors, and retailers against claims that a product caused injury or property damage. Covers design defects, manufacturing defects, and failure to warn.
Covers costs associated with data breaches, cyber attacks, and technology failures. Includes notification costs, credit monitoring, legal defense, and business interruption from cyber events.
Provides additional liability limits above your primary policies (GL, Auto, Employers Liability). Essential for businesses with significant exposure or contractual requirements for higher limits.
Covers damage to customer vehicles in your care, custody, or control. Essential for auto repair shops, body shops, parking facilities, and valet services.
Covers claims arising from pollution conditions including cleanup costs, third-party bodily injury and property damage, and legal defense. Excludes pollution often found in standard GL policies.
Covers claims by employees alleging discrimination, harassment, wrongful termination, or other employment-related issues. Increasingly important as employment litigation rises.
Protects company leadership against personal liability for decisions made in their capacity as directors or officers. Covers legal defense and settlements for claims by shareholders, regulators, or third parties.
Covers property in transit, at temporary locations, or specialized equipment. Includes motor truck cargo for haulers, tools and equipment floaters for contractors, and installation coverage.
Covers claims of sexual abuse, molestation, or misconduct. Required for businesses working with children, elderly, or vulnerable populations. Often excluded from standard GL.
We specialize in hard-to-place commercial risks. If admitted carriers have declined your business, we likely have a solution.
Bars, pubs, nightclubs, lounges, and breweries
Specialty FocusGyms, CrossFit, martial arts, yoga, climbing gyms
Specialty FocusGeneral contractors, subcontractors, and specialty trades
Specialty FocusChildcare, preschools, and early education
Specialty FocusAuto repair, body shops, mechanics, and garages
Specialty FocusMed spas, aesthetics, Botox, laser clinics
Specialty FocusGrooming, boarding, walking, and pet daycare
Specialty FocusFood trucks, mobile vendors, and catering trucks
Specialty FocusTattoo parlors, piercing, and body art
Specialty FocusEvent venues, banquet halls, and reception facilities
Specialty FocusSkilled nursing, assisted living, and elder care
Specialty FocusHotels, inns, bed and breakfasts
Specialty FocusLong-haul, local, and specialty trucking
Hazardous materials transportation
Towing and roadside assistance
Full-service and quick-service restaurants
Landscaping and lawn care services
Heating, ventilation, and air conditioning
Plumbing contractors and services
Electrical contractors
Roofing contractors
Tree trimming, removal, and arborists
Security services and patrol
Commercial and residential cleaning
Moving and relocation services
Warehousing and distribution
Solar panel installation and maintenance
Don't see your industry?
Call us at (626) 778-2586The Surplus Lines (E&S) market exists for risks that admitted insurance carriers decline to cover. This includes businesses in high-risk industries, operations in catastrophe-prone areas, companies with adverse claims history, or simply unique business models that don't fit standard underwriting boxes.
As a California Surplus Lines Broker, Panta has access to dozens of non-admitted carriers who specialize in these hard-to-place risks. Unlike admitted carriers who must use state-approved rates and forms, surplus lines insurers can offer customized policy terms and pricing tailored to your specific situation.
The trade-off: Surplus Lines policies are not covered by state guaranty funds. That's why Panta only works with financially strong, A-rated carriers who have demonstrated stability through market cycles.
Panta Insurance Services is a California Surplus Lines Broker. Products offered through Panta may be placed with non-admitted insurers. Non-admitted insurers are not covered by the California Insurance Guarantee Association (CIGA). Coverage availability and terms vary by state and risk characteristics. Please review your policy documents for complete terms and conditions.