Insurance for Southern California

Need Insurance? We Have Answers! We’re Affordable. Comprehensive. Local.

What Type of Insurance Do You Need?

Commercial Insurance

Personal Insurance

Bob Gabriel Company Insurance (BGCO) protects Santa Monica, Los Angeles County, and all of California.

Located off Wilshire Blvd, we have been offering competitive rates to West Los Angeles for insurance solutions for over 60 years. Voted #1 in Santa Monica in 2022, our goal is to offer you exceptional personal service while striving to make insurance as affordable as possible.

We’re friendly and knowledgeable with fantastic insurance products and agents ready to help you with all aspects of your risk management needs from personal insurance to commercial insurance!


Our Products

We are an agency located in Santa Monica, CA. We love our Southern California community and strive to help our clients manage their risks while getting the best possible rates.

Our business insurance policy products include:

  • Business Insurance
  • Business Owners Insurance
  • General Liability Insurance
  • Personal Liability Insurance
  • Commercial Auto
  • Workers Comp
  • Cyber Liability
  • Apartment Complex Insurance & Condo Associations Insurance

Our personal insurance products include:

  • Car Insurance
  • Homeowners Insurance
  • Condo Insurance
  • Renters Insurance
  • Umbrella Insurance
  • Life Insurance

Business Insurance in Santa Monica

Small Businesses Face Different Risks Than Larger Companies

Big businesses have the capacity to withstand many types of losses. But for a small business, such losses could be catastrophic. Yes, there are the basics such as property damage, theft, vandalism, and fire. But there’s also the potential for employee injuries, lawsuits, cyber-attacks, etc.

Without the correct protection, you could end up being forced to pay out of pocket… for many that can mean being forced out of business.

Fortunately, Bob Gabriel Company is ready to help you perform a complete risk analysis and make sure that you have the correct business insurance coverages with the right type of insurance package to fit your needs.

We offer a variety of business insurance solutions:

  • General Liability
  • Professional Liability
  • Property/Casualty
  • Commercial Umbrella
  • Commercial Auto
  • Workers Compensation
  • Cyber Liability
  • Apartment Complex & Condo Boards
  • and More…

General Liability Insurance

About General Liability
(Including Professional Liability and Property/Casualty) A commercial general liability policy provides protection against claims made against your business by other companies or individuals. It includes coverage for products/completion operations, premises, professional service, and auto.

Commercial Auto Insurance

About Business Auto
If you operate a fleet of vehicles, our Commercial Auto Policy will provide collision coverage for those vehicles. It will also protect you against liability claims arising from accidents involving any of your vehicles.

Workers Compensation

About Workers' Comp
Workers’ compensation is a state-regulated program that provides benefits to injured workers. It was created to provide financial assistance and health care for those who have suffered injuries while working. At BGCO, we offer clients access to CompZone as a special benefit. This system is proven to reduce workers compensation costs over time.

Cyber Liability Insurance

About Cyber Liability
Cyber Liability Insurance is designed to protect businesses against the financial losses caused by cyber-related lawsuits made by third parties who believe they have been harmed as a result of using your website or online services.

Apartment/ Condo Complex

About Condo Complex
Apartment Complex Insurance: A primary policy will cover most of the cost for repairs while an excess over other insurance policy will pay the rest. Condo associations should insure the common areas and make sure they have enough money to repair damages.

Personal Insurance in Santa Monica

When it comes to personal insurance, there are many different options available to you. Broadly personal insurance covers the risk of loss or damage to personal property. It can be divided into two types:

  • Property Insurance, which protects against accidental loss or damage to possessions such as automobiles, homes, jewelry, etc.
  • Life Insurance, which provides protection against death and disability

Regardless of your specific needs, our goal is to provide you with the best possible service at an affordable price. (It’s why we win awards!)

At BGCO we are committed to providing our clients with exceptional customer service and we will go above and beyond to ensure that your needs are met. We understand how important it is for you to have peace of mind when it comes to protecting your home, property, and family.

We offer a variety of business insurance solutions:

  • Auto Insurance
  • Home Insurance
  • Condo Insurance
  • Renters Insurance
  • Umbrella Insurance
  • Life Insurance
  • and More…

Car Insurance

About Auto Insurance
We offer affordable auto insurance coverage options for drivers in Santa Monica, Los Angeles County, and throughout California. We make it simple for motorists to understand their coverage options and how to save money with all the discounts they deserve while getting exactly what they want from their auto insurance policy.

And by the way, if you need to protect a motorcycle, ATV, motor home, travel trailer, boat, jet ski, other watercraft, etc, we can help you with those as well!

Home Insurance

About Home Insurance
Your home is probably your biggest financial asset – and it’s also one of the most expensive things you own. So it makes sense to make sure it’s protected. If you live near a lake, river, ocean, or any bodies of water, you should consider getting flood insurance. You will probably need earthquake insurance as well. You’ll want to ask about exclusions on your homeowners’ policy before purchasing it. Remember to mention anything special you would like covered (jewelry, antiques, etc.).


About Renters Insurance
Renter’s insurance protects your possessions against damage caused by theft, fire, vandalism, water damage, and other perils.

Life Insurance

Learn About Life Insurance
Life Insurance is the last thing most of us want to think about but it’s an essential part of our lives. A life insurance policy protects us from unexpected events such as death, disability, divorce, and unemployment. Life Insurance is a very personal decision. It’s best to discuss all options with a professional from BGCO who knows your needs and wants and can make appropriate recommendations.


About Umbrella Insurance
An umbrella policy can give you extra protection over and above what your auto or homeowners’ policy covers. It also gives you protection if something happens to your car or house while you’re away from home.

BGCO is one of Santa Monica’s Favorite Independent Insurance Broker

Our office is conveniently located in Santa Monica right on Wilshire Blvd. We’re committed to helping our clients find affordable and comprehensive coverage. We help you make informed decisions about your business insurance and personal insurance needs. We have agents with years of experience in the insurance industry working with clients of all types of risk profiles.

So Why Work With Bob Gabriel Co Insurance Services?

We work harder than captive agents like Farmers Insurance, Allstate Insurance Agents, State Farm Insurance, and GEICO Insurance Agency. We’re better able to help you find the best policy at the lowest possible cost. That’s because we work with multiple insurance carriers and so can find more options for you. We’ll help you understand the choices you have so that you can make the right decision.

Some Carriers We Represent

As an Independent Insurance Agent, Bob Gabriel Company Offers These Advantages:

  • We are local with strong customer and community ties in Santa Monica and the greater Los Angeles county area.
  • We work with more than one company and back our competitive rates with service excellence.
  • Year after year we’ll always help you find the best insurance company for your budget and risk profile.
  • When you have a claim, we’ll be there for you each step of the way and we’ll advocate on your behalf to help you get all that you deserve out of your claim.
  • We learn all we can about your needs. We work for you!
  • We will always give you choices so that you have multiple insurance options.
  • We offer value with the right combination of service, coverage, and rate to fit your situation.
  • We have a comprehensive range of business insurance and personal insurance solutions.
  • We’re all about the relationship! We LOVE our clients and do our best to offer them the absolute best experience when it comes to dealing with insurance.

If you’d like to talk to someone today, please call 310-829-0305 or visit

What Our Clients Have to Say…


You’ve been so great to work with!  I do so appreciate all the help you’ve given me over the years…and also your patience!

Villa San Remo


I want to thank you for all your help and patience. You are an asset to your company. I am so glad you are there to help me and others.

Paula M.