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California Commercial & Personal Insurance

From the Most Complex Risks
to Your Small Business.
If the Risk Is Real, We Have a Solution.

Nine years. Aerospace contractors, Hollywood productions, LNG infrastructure. The same tenacious approach to every client, every risk, every time.

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CA License 0M29742
National License 18758775
Bilingual EN / ES
Independent Agent

Not a Call Center.
Not a Captive Agent.
Your Full Scope Partner.

Most agents sell you a product. David builds you a strategy. As an independent agent, he has access to the full market and the expertise to place risks that others turn away.

From a cannabis dispensary to a large scale concrete contractor, JDT Premiere has the relationships and the knowledge to get your business properly covered.

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Industrial facility covered by JDT Premiere Insurance
9
Years of Commercial
Insurance Expertise
What We Cover

Commercial and Personal Insurance That Actually Fits

We do not do health or life. Everything else is on the table. Commercial, personal, hard to place, high mod rate. Bring us your real risk.

Workers Compensation

High mod rates, difficult industries, and specialty contractors are our comfort zone. We place the risks others decline.

Commercial Auto & Fleet

From single vehicles to large fleets, commercial auto coverage for contractors, truckers, and specialty operations.

General Liability & Property

Core commercial coverage with the attention and market access your business actually deserves.

PEO Solutions

Professional employer organization coverage and consulting for businesses that need a full HR and risk partnership.

Professional Liability

Errors and omissions, professional liability, and specialty coverages for consultants, contractors, and service businesses.

Personal Lines

Home, auto, umbrella, classic cars, and personal heirlooms. The same level of care for your personal life as your business.

Industry Specialties

The Risks Most Agents Walk Away From

High mod rates, cannabis, contractors, manufacturers. These are not problem accounts to us. They are our specialty.

Cannabis dispensary insurance

Cannabis

Dispensaries, cultivators, and distributors. Properly covered from plant to point of sale.

Construction contractor insurance

Contractors

General contractors, specialty trades, and large scale commercial construction projects.

Manufacturing insurance

Manufacturers

Industrial, aerospace supply chain, and precision manufacturing operations.

Restaurant insurance

Restaurants & Hospitality

Full service restaurants, bars, hotels, and entertainment venues.

Fitness facility insurance

Fitness Facilities

Gyms, studios, personal training operations, and athletic facilities.

Car wash insurance

Car Washes

Automated, full service, and detailing operations with the right coverage structure.

David Tostado, JDT Premiere Insurance Services

David Tostado

Founder · JDT Premiere Insurance Services LLC

Nine years in commercial insurance. David built his reputation placing the risks that other agents turned away and delivering coverage solutions for some of California's most complex operations.

From NASA parts manufacturers to large scale construction projects, Hollywood productions to independent restaurant owners, David brings the same tenacious approach to every single client.

As a fully independent agent, he is not tied to any one carrier. That means you get the right coverage for your actual risk, not the easiest product to sell.

CA License0M29742
National License18758775
BilingualEN / ES

Serving clients in English and Spanish. Atendemos en inglés y español.

Fast Lane Coverage

Need Coverage Fast?
Get an Instant Online Quote.

For small businesses that need straightforward coverage right now, David is a licensed affiliate of Next Insurance. Get an instant quote online in minutes. General liability, workers comp, commercial auto, professional liability and more. No waiting, no phone tag.

For complex risks, high mod rates, and specialty industries, call David directly. For everything else, start here.

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750K+
Small Businesses Insured
1,300+
Business Types Covered
4.7/5
Customer Rating
100%
Online Instant Access

Let's Talk About Your Risk

No automated quotes. No runaround. David picks up the phone and gets you an answer. Fill out the form below or call directly.

Phone
(805) 340-9182
Email
jdtinsuranceservices@gmail.com
Languages
EN / ES