Business Details
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Your Trusted Business Insurance Partner in San Mateo
James K Mason Insurance is an independent insurance agency serving the San Francisco Peninsula with a focus on commercial insurance for small businesses. Established in the 1980s, we specialize in creating tailored insurance solutions for businesses with fewer than 150 employees, offering a one-stop shop for General Liability, Auto, Property, Workers Compensation, Cyber, Umbrella, Employment Practices, Bonds, Professional Liability, Equipment Breakdown, and Inland Marine coverage. Our team brings over 45 years of combined experience in the insurance industry, leveraging relationships with more than 80 carriers to match client needs with optimal coverage. We serve diverse industries including real estate income properties, auto repair shops, wholesale food distributors, technology companies, and restaurants.Our commitment to personalized service includes on-site policy reviews, competitive pricing strategies, and streamlined claims reporting through 24/7 accessible processes. By maintaining partnerships with major carriers like Nationwide, Hartford, and Travelers, we ensure comprehensive protection while prioritizing client education about emerging risks such as cyber liability. Our local expertise extends across the Bay Area, covering cities from San Francisco to San Jose while maintaining a strong focus on ethical practices and transparent communication.
Services
General Liability
Commercial Auto
Workers Compensation
Cyber Liability
Professional Liability
Business Owners Policy
Commercial Property
Employment Practices
Equipment Breakdown
Inland Marine
Highlights and features
- We offer access to over 80 reputable insurance carriers for optimal coverage options
- Our team has 45+ years of combined experience in commercial insurance solutions
- We provide on-site policy reviews and personalized insurance planning services
- We specialize in niche programs for technology companies and cyber liability
- We maintain long-term relationships with major carriers like Hartford and Travelers
What people say
Great job
Solid insurance plan
Prompt service
Personalized approach
Knowledgeable team
Services
General Liability
General Liability insurance protects businesses from financial losses due to property damage, bodily injury, or advertising injury claims. Our policies cover legal fees, medical expenses, and settlement costs for incidents occurring during business operations. This essential coverage safeguards companies across industries including retail, construction, and professional services.
Cyber Liability
Cyber Liability insurance addresses risks associated with data breaches and cyber attacks. Our coverage includes costs for customer notification, legal defense, regulatory fines, and business interruption losses. This protection is critical for technology companies, financial institutions, and any business handling sensitive customer information through digital systems.
Workers Compensation
Workers Compensation insurance provides benefits for employees injured on the job, covering medical treatment, rehabilitation costs, and lost wages. Required by law in most states, our policies ensure compliance while protecting businesses from lawsuits related to workplace injuries. This coverage is essential for employers in high-risk industries like construction and manufacturing.
Commercial Property
Commercial Property insurance protects physical business assets including buildings, equipment, and inventory against damage from fire, theft, or natural disasters. Our policies cover repair/replacement costs and business interruption losses, ensuring continuity for property owners, retailers, and manufacturers facing unexpected property damage events.
Professional Liability
Professional Liability insurance, also known as Errors & Omissions (E&O), protects service providers against claims of negligence or inadequate work. Our coverage addresses legal defense costs and settlement payments for businesses offering professional advice or services, including consultants, accountants, and technology firms facing allegations of professional mistakes.
Questions
What types of business insurance do you offer?
We provide General Liability, Workers Compensation, Cyber Liability, Commercial Property, Professional Liability, Business Owners Policy, Equipment Breakdown, and Inland Marine insurance for small businesses.
Do you specialize in specific industries?
We specialize in coverage for technology companies, real estate income properties, auto repair shops, wholesale food distributors, and restaurants across the Bay Area.
How do you help with insurance claims?
We provide 24/7 claims reporting assistance and guide clients through the process with dedicated support from our experienced insurance professionals.
Can you help with cyber liability coverage?
Yes, we offer specialized cyber liability programs including data breach response, customer notification services, and protection against digital risks for technology companies.
What areas do you serve?
We serve businesses throughout the San Francisco Bay Area including San Mateo, San Francisco, Redwood City, Palo Alto, and San Jose.
How do you find competitive insurance rates?
As independent brokers with 80+ carrier partnerships, we compare multiple options to find customized, cost-effective insurance solutions matching each business's specific needs.
