Reputable Commercial & Personal Insurance Services in San Diego

At Preferred Property & Casualty Insurance Agency Inc., we build strong relationships through trustworthy guidance and reliable coverage — proudly serving contractors, property owners, and families across California and beyond. Licensed in Oregon and Washington.

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Why Choose Preferred P&C

Built on Relationships. Trusted for Results.

With decades of experience and deep roots in San Diego, we’ve earned the trust of clients who value clear answers, strong coverage, and a team that shows up when it matters. As an independent insurance agency, we tailor insurance solutions to your risks and responsibilities — not a one-size-fits-all policy.



Whether you’re a contractor, property investor, or homeowner, you get a partner who understands your needs and works to protect them — thoroughly and professionally.

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Commercial Insurance for Builders, Investors & Local Businesses

Focused Coverage for Businesses That Build, Serve, and Lead

We specialize in reliable commercial insurance for contractors, landlords, HOAs, and small businesses across California. Every policy is built around your work — and backed by a team that delivers on service.

Explore Our Commercial Insurance Solutions →
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Personal Insurance Solutions

Protect What Matters Most at Home and on the Road

We provide personal insurance with the same level of attention and care we give to our commercial clients. From property to auto to personal liability, our advisors help ensure your coverage is thorough and appropriate — with no guesswork.

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Reliable Coverage Backed by Strong Relationships

At Preferred Property & Casualty, we help San Diego and Chula Vista business owners secure dependable insurance solutions with clarity, speed, and a personal touch. Whether you're a contractor, real estate investor, or HOA, our team delivers responsive support and tailored protection — so you can focus on building your business, not battling risk.

General Liability Insurance

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Protects your business from third-party injury, property damage, and legal claims — essential for contractors, property owners, and service professionals across California.

Workers’ Compensation Insurance

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Meets state requirements while safeguarding your employees — and your business — if injuries happen on the job. Expertly guided coverage for compliance and peace of mind.

Commercial Auto Insurance

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Covers your business vehicles and your team — whether you run a single work truck or a growing fleet. Stay protected on the road with tailored, scalable solutions.

Commercial Bonds

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From surety to license bonds, we provide fast, compliant bonding solutions that help you secure jobs and meet state regulations — especially for contractors and construction pros.

San Diego-Based. California-Wide. Licensed in Oregon & Washington.

From Chula Vista job sites to San Francisco property portfolios, we support businesses and families across California with regional experience and personal service. We’re also licensed to support clients in Oregon and Washington.

Who We Serve

Tailored Solutions for Specialized Clients

We work with clients who need more than just a policy — they need guidance, responsiveness, and a team that understands their world. On the commercial side, we serve contractors, tradespeople, real estate investors, HOAs, and business owners who rely on fast, compliant coverage to keep moving.


We also support individuals and families across San Diego and Chula Vista with trusted personal insurance solutions — including homeowners, condo owners, renters, auto policyholders, and those with high-value or secondary properties who want personalized, long-term support from a local agency they can rely on.

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Let’s Talk About the Coverage You Need

Whether you're renewing a policy or building a new business, you deserve a clear path forward. Let’s make it easy.