Protecting California’s
Small Business Owners
Since 2000.
At Carmar Insurance Agency, we believe insurance should work for you—not the other way around. As an independent agency serving the entire State of California, we focus exclusively on the needs of small business owners.Whether you’re a contractor, retailer, trucker, or service provider, we tailor solutions that safeguard your business from risk—without overpaying.
Independent. Experienced.
On Your Side.
Founded in the year 2000, Carmar Insurance Agency was built on a simple principle: put clients first. Unlike captive agents who work for one company, we work for you. That means we shop across multiple insurance providers to get the best protection at the best price—without compromise.
From our office in Downey, we proudly serve businesses across California. Our clients appreciate our honesty, personalized service, and the confidence that comes from working with professionals who truly understand the challenges of running a small business.
Insurance Solutions
Built for Business
We specialize in commercial insurance for small businesses of all types, including:
Not sure what you need? We’ll help you figure it out—with clarity, not pressure.
Have questions?
Need a quote?
Phone Number
Email Address
Fast. Simple.
Personalized.
Getting a quote with Carmar Insurance Agency is quick, easy, and free. Whether you’re starting a new business or reviewing your current policy, we’ll provide a no-obligation quote tailored to your specific needs.
What You’ll Need:
- Business name and location
- Type of coverage needed (e.g., General Liability, Workers’ Comp, Commercial Auto)
- Number of employees or vehicles
- Any prior claims (if applicable)
All information is kept confidential.
Here When You Need Us
At Carmar Insurance Agency, service doesn’t stop after the policy is signed. Whether you need to
make changes, file a claim, or ask a quick question—we’re just a phone call or email away.
Request a Certificate of Insurance (COI)
Update business details or coverage
Policy renewal reminders
Claims guidance and reporting
Payment and billing questions
Insurance Products Designed for
California’s Small Businesses
We specialize in insurance solutions for industries that keep California running. Whether you’re a solo tradesperson or managing a growing team, we’ll build the right coverage around your risk profile.
Insurance Insights for Small Business Owners
Insurance Insights for Small Business Owners
Stay informed, stay protected. Our blog delivers helpful articles, updates, and tips to keep your business covered and compliant in California’s fast-changing environment.
