Local San Bernardino, California insurance coverage that fits your family & business needs, with a team that knows your name.
Home, earthquake, and wildfire insurance in San Bernardino, California
San Bernardino is the seat of San Bernardino County, sitting at the base of the San Bernardino Mountains. I-10 and I-215 meet nearby, rail yards and warehouses drive the local economy, and Highway 18 climbs to Lake Arrowhead and Big Bear.
Earthquake risk on the San Andreas
The San Andreas Fault runs along the foot of the mountains just north of the city, putting San Bernardino among the most earthquake-exposed cities in California. A standard home policy does not cover earthquake, so we quote earthquake insurance and help you choose the right deductible.
Wildfire, mountain cabins, and flood
The 2003 Old Fire burned hundreds of homes in the foothills and mountains, and burn scars can lead to mudflows in winter storms. We shop homeowners coverage for city homes and mountain cabins, compare private options with the FAIR Plan, and quote flood insurance.
Trucking, warehouses, and businesses
We insure trucking operations, warehouses, contractors, and local businesses, and we write auto insurance for drivers on I-10 and I-215.
Your insurance team for San Bernardino, California
We work with San Bernardino households and business owners, and also serve nearby Highland, Redlands, Rialto, Colton, and Lake Arrowhead, along with communities across California.
Bundle home, auto & umbrella.
Bundling opens up more carriers, more coverage options, and better rates. We’ll stack every discount you qualify for.
On the road (and the water)
Daily drivers, weekend toys, and everything with a motor or a sail.
Under your roof
Owners, renters, landlords, and the place you’re still building.
Everything else that matters
The people, pets, and treasures you’d never want to replace.
Protection for every side of your business.
Every business is different. We partner with you to build a clear insurance and risk plan that lowers risk, manages cost, and lets you move ahead with confidence.
General Liability
Covers injuries on your premises and business activities that damage someone else’s property. Same-day coverage available.
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Business Owners Policy
An affordable way to bundle general liability and commercial property insurance into one policy.
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Commercial Auto
Covers vehicles used for business, like delivery trucks or service vans, including accident liability and physical damage.
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Workers’ Compensation
Required by law in most states. Covers medical bills, lost wages, and rehab costs for on-the-job injuries.
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Cyber Liability
Helps pay data breach costs, including legal fees, customer notifications, and credit monitoring for anyone affected.
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Professional Liability
Also called E&O. Covers claims from professional errors, negligence, or malpractice.
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Commercial Property
Protects your building, inventory, furniture, equipment, and fixtures from fire, theft, vandalism, and natural disasters.
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Builders Risk
Protects structures under construction from fire, theft, and vandalism, plus on-site materials, equipment, and supplies.
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Don’t see your business? Tell us what you do.
Elye exists to safeguard your family or business with proactive, strategic insurance planning, not just annual renewals.
Michael Urbano · Founder, Elye Insurance
Your trusted insurance advisor in San Bernardino, California providing insurance solutions for every stage of life.
Insurance services offered by Elye Insurance in San Bernardino, California.