Insurance for the businesses that bring people together.
Restaurants, bars, nightclubs, live music venues, and commercial real estate portfolios. Independent brokers, top-rated carriers, coverage built around how your business runs.
Request a Customized Coverage QuoteWhat We Do Best
Two specialties.
Deep expertise in both.
Most brokers cover everything thinly. Broad Spectrum goes deep in the two industries where the risks are the most misunderstood and the coverage gaps cost the most.
Hospitality & Entertainment
Restaurants, bars, nightclubs, lounges, and live music venues. Coverage shaped around liquor service, late hours, security, and full rooms.
- Liquor Liability
- Assault & Battery
- Premises Liability
- Property & Income
- EPLI
- Umbrella
Commercial Real Estate
Strip malls, apartment buildings, HOAs, and commercial properties. Protection for the asset, the income it produces, and the liability that comes with tenants.
- Property
- Loss of Income
- General Liability
- Ordinance & Law
- Pollution Liability
- Umbrella
Where We Work
Built in San Francisco.
Growing where hospitality grows.
- San FranciscoHeadquarters1000 Brannan Street, Suite 205. Our largest concentration of restaurant, bar, and venue clients.
- RosevilleSacramento Region1544 Eureka Road, Suite 130. Serving hospitality and property owners across the greater Sacramento area.
- Las VegasLicensedBars, clubs, and venues in the hospitality capital of the country.
- Phoenix & ScottsdaleLicensedRestaurants, bars, and nightlife across the Phoenix metro.
- PortlandLicensedIndependent restaurants and music venues across the Pacific Northwest.
- Texas & New YorkLicensedAustin, San Antonio, Dallas, and New York City hospitality businesses.
Licensed in 33 states, including Arizona, California, Nevada, New York, Oregon, and Texas.
Full-Service Brokerage
Also here for the rest of life.
Broad Spectrum offers a wide range of insurance products in both the personal and the commercial lines of business.
Personal Insurance
Home, auto, and personal liability coverage for you and your family.
Business Insurance
General liability, workers' compensation, commercial auto, cyber, and more for businesses of every kind.
Life & Health
Life, disability income, and group health products to protect people, not just property.
Why Broad Spectrum
Independent. Experienced. On your side.
Since our inception, we have worked extensively to build a comprehensive network consisting of the world's highest rated insurance companies.
As independent agents, we have established long-term, solid relationships with some of the top national and regional carriers in the industry.
For you, our client, this provides competitive pricing, coverage options, and peace of mind that the company providing your insurance coverage meets our standards.
- 33States licensed
- 2California offices
- #0F49732California license
- Top-ratedCarrier network
