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CHWIS offers coverages designed for businesses operating in California.

Business Owners Policy

One of the most significant challenges a California business owner faces after a total loss is having enough time to get back in business. The CHWIS BOP program is designed to have the right coverages at a compeitive price for hardware stores in California. 

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Workers Compensation

Workers’ Compensation rates in California vary depending on your store’s location. CHWIS helps manage that difference by working with a variety of insurance companies to ensure you are getting the most competitive rate.

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Employment Practices Liability

The CHWIS EPLI program provides coverage to employers against claims made by employees alleging: discrimination (based on sex, race, age, or disability for example) wrongful termination harassment other employment-related issues, such as failure to promote Third Party Liability Coverage included Wage & Hour Defense Coverage ADA Defense Allegation

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If your business handles customer data or processes payment transactions, you’re at risk of a cyber-attack. Cyber-risk insurance covers the costs incurred by your business in the event your electronically-stored data is compromised.

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Commercial Auto

Commercial auto rates are going up in California. Business owners can manage this cost by shopping around for the most comptitive rate. CHWIS works with many insurance companies to help our clients find the best possible solution.

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Umbrella insurance provides an additional layer of coverage over existing liability policies, (General Liability, Employers Liability, Auto Liability) offering your businesses even more protection.

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Why California Hardware Insurance Solutions?

Because we offer insurance programs that are designed specifically for business owners operating independent hardware stores, lumber yards, and home centers in California.

Coverages for California Businesses

Top-Rated Carriers

Industry Expertise

Sponsors the California Retail Hardware Association

Led by Hardware Industry Veteran

Custom-Tailored Programs

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CHWIS program serviced by Heffernan Brignole Insurance Services, LLC, who’s been serving California for over 90 years.