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Business Insurance & Risk Management

At Gallant Risk & Insurance Services, we design comprehensive commercial insurance programs at the most competitive cost. We provide the safeguard for your company’s assets from financial liability that can result from a number of scenarios. By implementing a risk management program combined with the correct insurance coverage, we protect our clients and assist in meeting their long-term goals.


Property insurance provides financial reimbursement to the business and/or landlord for property damage/loss and indemnification for the loss of income/rents associated with interruption. Coverage options includes:

  • Building/Equipment/Inventory
  • Business personal property
  • Business interruption – loss of income/rents
  • Ordinance or law ordinance
  • Debris removal
  • Extra expense
  • Earthquake/Flood/Hail
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General Liability

Protecting your business from claims against you is vital to the success of your operations. General liability coverage can indemnify you and your company for claims by a third party that range from damage to others’ property and injury. Coverage options includes:

  • Bodily injury
  • Property damage
  • Products – completed operations
  • Personal injury
  • Advertising injury
  • Contractual liability
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Workers Compensation/Employers’ Liability

At Gallant, we implement a strategic risk management plan to reduce your overall workers compensation cost. We address workers compensation claims immediately. We manage an incident at first notice and continue until closing to mitigate the cost and size of a claim. Here are some program design and services offered:

  • Guaranteed costs
  • Captives
  • Deductible plans (large and small)
  • Alternative financing programs
  • Retrospective rating
  • Claims management
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Professional Liability/Errors & Omissions/Malpractice

Gallant provides Professional Liability / Errors & Omissions / Malpractice insurance to defend professionals and companies for claims of negligence that may occur when providing their services. This safeguard is meant to protect against claims that are not covered by the general liability policy. Here are some of those who can benefit from this service:

  • Accountants
  • Architects
  • Construction and engineering firms
  • Design professionals
  • Healthcare workers
  • Insurance brokers
  • Independent financial advisors
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Executive, Employment, and Financial Liability

Companies and nonprofits are exposed to financial liabilities that may occur from board members, executives, and management decisions. Employment claims stemming from sexual harassment, discrimination, wrongful termination, and other “wrongful acts” can have a substantial financial impact. Executive, employment, and financial liability insurance focuses on proactive and reactive measures in the face of work-related claims and the protection of company assets.

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Commercial Auto

Gallant offers commercial auto insurance, which provides broad coverage for commercial vehicles, third-party auto physical damage and injury claims. We work with several insurance carriers to help you find the coverage and carrier you need.

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Carrier Legal Liability

Companies that transport merchandise must consider the possibility of unexpected loss or damage that may occur during transit. Gallant offers carrier legal liability insurance to compensate for loss or damage to goods in all stages of transportation from loading to unloading.

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I rarely take the time to post a review but opted to do so because this Gallant Risk is an extraordinary company. They are experienced, trustworthy and dogmatic in securing the best coverage at the best price for their clients. We are a charter client and receive the same effort and performance that we did on the day they convinced us to come aboard. I highly recommend Gallant Risk and Insurance Services to anyone in need of a good broker.

Builders Risk/Contractors Construction Liability

Builders risk insurance protects materials, fixtures, and equipment used during a building project should something endure a physical loss or damage. Wrap-up insurance can include general liability, excess/umbrella, workers compensation, and additional construction defect coverage for the participants associated with a specified project. Insurance covers the following and more:

  • Builders risk property on-site, off-site, and in transit
  • Wrap-up, contractor-controlled insurance program (CCIP)
  • Owner-controlled insurance program (OCIP)
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Environmental Liability

Many businesses unknowingly have exposure to some form of pollution liability. As a result, environmental liability coverage should be a serious consideration. At Gallant, our environmental liability department specializes in all types of environmental insurance coverage and the claims associated with them. Insurance covers the following and more:

  • Manufacturers product pollution
  • Contractor’s pollution liability
  • Environmental consultants and contractors
  • Products pollution
  • Hazardous waste haulers
  • Professional liability with pollution enhancements
  • Site pollution legal liability
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Captives, 831(b), Self-Insured, High Deductible

Recent, sharp premium increases and hard-to-place coverage lines have led many companies to consider captive insurance. Gallant has years of experience in captive insurance and self-insured programs that can prove to be cost-effective in the long run. We take a multi-disciplined approach to alternative funding and offer:

  • Group captives
  • Single parent captives
  • Sponsored captives
  • High deductible plans
  • Self-insured, reinsurance
  • Domestic, foreign
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At Gallant, we are dedicated to giving our clients the best aviation and marine insurance coverage possible. Aviation and marine insurance protects personal and business aircraft and watercraft and provides:

  • Aviation/Marine general liability
  • Hull and machinery
  • Hangar keepers
  • Marina operators legal liability
  • Inventory/Cargo
  • Carrier’s legal liability
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Transactional Gap Insurance for Companies

We offer transactional insurance to put companies at ease during the negotiations of a merger and/or acquisition deal. Transactional gap insurance can address those risks that may prevent the closing of the sale either on the buy or sell side by transferring potential liabilities. We utilize:

  • Representations (Reps) and warranties coverage
  • Loss portfolio transfer
  • Transactional environmental liability
  • Tax opinion liability coverage
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Global/Terrorism TRIA

Terrorism insurance covers property / liability and financial losses from claims due to acts of terrorists. Global coverage responds to foreign business affairs, which may be exposed to labor and political risk. Coverage includes:

  • War and Terrorism (TRIA) – liability / property / financial 
  • Strike risk and political risk
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Contingency Insurance

Obtain extra protection for your production, operations and scheduled events with contingency insurance. Our policies act as a hedge to cover an unforeseen risk. Contingency insurance includes coverage for a range of unforeseeable risks, including:

  • Event cancellation
  • Non-appearance
  • Weather risks – income stabilization and cost containment
  • Film production risks
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Business Insurance & Risk Management FAQs

What type of insurance covers sexual harassment claims?

Companies must have employment practices liability insurance to cover any sexual harassment claims. Employment-related claims are rising in number each year, which is causing more companies to prepare themselves for a sexual harassment claim properly. With employment practices liability insurance (EPLI), your company will be well covered from wrongful acts during the employment process.

What type of insurance covers atypical, random, and unexpected events?

Umbrella insurance provides extra coverage that goes beyond the limits of traditional insurances. You can find umbrella coverage in our General Liability coverage and Builders Risk/Contractors Construction Liability coverage. Umbrella coverage can be an essential component of your coverage, allowing your business to have combined coverage under one branch.

How can I protect my company with Internet risk management?

Cyber risk and other internet safety measures are vital to protecting your business in the modern business world. Data breaches, hacking, malware, and email phishing are all ways your company could be at risk from attack through the Internet. Our Certified Risk Managers are exceptionally equipped to help your company prepare for the dangers of the online world.

How do I know what kind of insurance my company needs?

If you know that your company has potential liabilities or want to see your risk management options, contact us to speak with a risk management consultant. Our consultants will be happy to help you identify potential risks to your company. We can also help you determine steps you can take to mitigate these risks. Steps may include — but are not limited to — a series of customized insurance policies to protect you, your company, and your employees.

How can I save money on business insurance?

One way to reduce your insurance expenses (that you might not know about) is by taking concrete steps to protect your assets. By securing your assets and informing your insurance company of your precautions, you may be eligible for lower rates.

Concrete asset protection steps can vary depending on the nature of your assets and the industry in question. Good examples include adding alarm systems to your property, hiring security professionals to secure valuable goods or protect your employees and ensuring your company complies with local safety regulations. Another option is to change your deductible. The higher the deductible, the lower the premium, whereas a lower deductible raises your premium.

This increases your risk of loss if you need to make a claim but can reduce your monthly insurance expenses.

While no one step is guaranteed to lower your insurance costs, many policies will reduce the cost of insuring assets that are better protected.

Gallant Puts Customers First

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4160 Temescal Canyon Rd., Suite # 214
Corona, CA 92883

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Main: (951) 368-0700
Fax: (951) 368-0707