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A construction industry insurance expert

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Our Summary

Gaslamp Insurance offers a wide selection of commercial insurance products, generates certificates of insurance quickly, and helps business owners save money on insurance products. They specialize in policies for the construction industry and even offer short-term liability policies to cater to what a business needs.

Company Overview

Gaslamp Insurance was started in 1998 with headquarters in Carlsbad, California. This is still a small company with only 39 employees. It generated $8 million in revenues in 2020. It focuses on commercial insurance, taking the time to tailor policies to what business owners need. On top of insurance needs, contractors can also get bonds from Gaslamp Insurance to meet state licensing requirements. 

Geographic Representation

Gaslamp Insurance provides insurance products to business owners in all 50 states. Some products may not be available in all states.

Lines of Coverage

Gaslamp provides a wide range of insurance products, many tailored to those in the construction industry.

The types of commercial insurance policies listed with Gaslamp Insurance include:

  • General Liability: Pays third-party claims where you are responsible for property damage or bodily injury
  • Equipment Coverage: Supplemental coverage to protect a business from the breakdown of essential equipment and machinery
  • Workers’ Compensation: Pays for employee medical bills and lost wages when hurt on the job
  • Commercial Auto: Protection for liability and property damage in at-fault accidents in work vehicles
  • Builders Risk: Covers the structure and materials of a property being built
  • Pollution Liability: Protection for companies that may face claims from hazardous waste, dangerous toxins, and pollution risks

Top Industries Served

Some insurance companies specialize in certain industries. Gaslamp has a preference to working with companies in the construction industry but will also work with: 

  • Dry cleaners
  • Hair salons
  • Art studios
  • Service stations
  • Auto repair facilities
  • Landscaping 

Premium Costs

There are no rates advertised by Gaslamp. Your business rates will depend on your location, industry, revenues, payroll, and claims history. It takes just a few minutes to get a quote to find out how much a policy (or package of policies) will cost.

Underwriting Process

The underwriting process starts with getting a quote. You can complete an online intake form which will send your request to an agent. An agent will reach out to you to confirm the details of the quote and get you a price. Once you have a quote, you can bind it quickly to get coverage immediately. Certificates of insurance are available right after you’ve paid for your policy. 

AM Best Ratings

AM Best rates insurance companies on their financial strength. A high AM Best rating suggests that a company is capable of handling a heavy load of claims and is financially strong enough to weather the storm. Gaslamp Insurance does not have an AM Best rating, so we are unable to evaluate its financial strength. 

Complaint Index

The complaint index is used to help determine customer satisfaction with a company. It is maintained by the National Association of Insurance Commissioners (NAIC). It measures complaints against a benchmark based on the expected number of complaints for a company’s market share. Gaslamp Insurance is not listed in the NAIC database, therefore, we are unable to determine whether they are hitting the mark with their clients. 


We use the Better Business Bureau to determine if a company has a good reputation with its customers. We can glean insights about practices and problems from actual customer reviews. 

Gaslamp Insurance is accredited with the Better Business Bureau and has an A+ rating. It only has six customer reviews and averages 2.33 stars. Positive reviews rave about how easy it is to use Gaslamp while negative reviews talk about the difficulty of getting certificates from them and other service issues. 

Concluding Thoughts

Gaslamp Insurance offers a wide range of insurance products, many of which are the types of policies that contractors need. They consider themselves specialists in the construction industry, tailoring policies to help last the duration of the job in some cases. Gaslamp makes it easy to get the policy you’re looking for with a quick online intake and agent-guided quote process. 

Learn more about Gaslamp Insurance 

Methodology employs its own independent research to come up with the details for reviews. We do this so that you can have as many insights as possible about a company so that you can make the best decision for your commercial insurance. We take into consideration the company’s history and where they serve. We want to highlight the appetite that a company has as this suggests where business owners can get the most competitive rates. Where possible, we include premium data. From there, we take into account formal complaints, and financial strength ratings along with public reviews painting a broad picture of the company’s reputation. 

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Great turn around time and the staff make every process very easy. User-friendly organization.
Five Star Rating
Justin Ake
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The representative was very efficient, and able to provide detail about the services that I was purchasing, as well as being very courteous so far a great buy.
Five Star Rating
Lumba Jack E
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We had a great experience. Michael, was super helpful, answered all our questions and did a great job finding us an insurance company. He also made an effort to get everything done as fast as possible. We are very thankful for the excellent service.
Five Star Rating
Alex F