Construction, Commercial Related Accounts, and Surety Bonds

ESIS, based in Walnut Creek, CA, provides best-in-class insurance programs and Surety bonds for clients across California.

ESIS was founded in 1987 by Kevin Easterly with the goal to write tough classes of business and to provide the best possible policies available in the marketplace. In addition ESIS offers the best possible customer service to go along with that.

We serve any type of Contractor, Commercial Building Owner or Commercial Account in the San Francisco Bay area and Northern California.

 

Our specialty niches are as follows:

 • Commercial Insurance Accounts

• Developers (Tracts, New Condos, New Apartments)

 

 • Artisan Contractor (We can write any C license type contractor and any type of work)

• Environmental Coverage (Mold & Mildew, Asbestos Abatement, Lead Abatement)

 

 • Property Owners (Any type of building) Condo’s apartments

• General & Engineering Contractors (A&B Licenses)

 • Ancillary Businesses

 

 

ESIS
CONTRACTORS

We write all types of Contractors/ Complete Package Policies. We analyze construction contracts including hold harmless language.
COMMERCIAL INSURANCE ACCOUNTS

We tailor insurance policies for all types of commercial accounts
BUILDING &
PROPERTY OWNERS

We can write any type of commercial property in the State of California - we write properties in SF. Age is not an issue.

 

Policies Offered
Workers Compensation   |   General Liability   |   Umbrella   |   Commercial Auto   |   EPLI   |   Property   |   I/M Bonds

 

 

NEWS UPDATES:
ESIS has seen many changes in the Insurance Industry in the past couple of years. Rates for General Liability Insurance have flattened out and are slowly rising. Umbrella policies are also rising: Commercial auto rates have also been rising.

We believe a majority of the pricing is economically driven. There are fewer accounts to go after and market breadth has decreased. Insurance Companies are positioning themselves very aggressively with rate cutting platforms in order to write the business

Workers Compensation rates have decreased. Overall, Work Comp rates have gone down 25-30% in the past 12 months. Workers Compensation carriers are loosening up on their underwriting and underwriting guidelines have become much looser. Overall claims payments are going down especially related to Medical costs and lost time claims.

Performance & Payment Bonds have also tightened up due to Increased Bond claims and customers credit worsening. The market for bidding public works projects is extremely competitive. Some bids have up to 15 bidders. Some bids are going for cost or less. Some contractors are going after market share and trying to keep their employees busy and productive. Most contractors can qualify for bonds over $250,000. If a contractor needs bonds higher than $500,000 then a full submission needs to be submitted including two years of business Financials Personal Financials Etc.

 

DOI LICENSE - 6010875