GMGS Risk Management & Insurance Services

Your partner in risk management

At GMGS Risk Management & Insurance Services, our focus is managing the risks our clients face.

What Makes Us Unique

About GMGS Risk Management & Insurance Services

Established in 1996, GMGS is a Risk Management Services Firm providing risk management, insurance and surety solutions. Based in Irvine, CA GMGS specializes in a number of industries, including construction, manufacturing, distribution, transportation, environmental, service and technology, among others.

We focus on dramatically lowering long term insurance costs for businesses by implementing risk management strategies to better protect companies and their assets. Some of our risk management activities include:

Contract Reviews

Workers’ Compensation School

Employee Education & Training

HR & Labor Law Consulting

Claims Management

OSHA Expertise

Safety & Loss Prevention

We believe our clients’ financial security and quality of life deserve the utmost dedication, expert advice and personal attention from a trusted partner. As that partner, we’ll help you make smart decisions—protecting you from the unexpected and planning for the predictable.

About Our BrokerageContact Us

Business Insurance

Insurance since 1996

GMGS Risk Management & Insurance Services offers business insurance and is focused on managing the risks our clients face.

Just want to let you guys know your customer service is phenomenal. My customers are finance companies and are impressed with your turnaround times on getting certs and adding vehicles.

Kelvin MonzonPresident Monzon & Son Enterprises, Inc.

Whenever I get involved with a new company it is always important to see how various vendors perform. Specifically, for my purposes, the insurance broker and CPAs are crucial. I have found GMGS in general, and you in particular, to be extremely responsive and helpful. Believe me when I tell you that I appreciate your assistance.

Jim CramController, Pacific Traffic Control

You truly have the best team ever. Each member of the GMGS staff goes above and beyond the call of duty. I am grateful for all their efforts.

Todd ClarkPresident, RSI Installations
There’s more to insurance than the price of the policy.

Explore our interactive graphics and learn about your unique risks and the related insurance solutions.

Business Insurance
Manufacturer

Commercial General Liability Insurance

Risk Factor

The manufacturing business is unique and comes with many exposures, which can lead to a potential lawsuit. What if a fire breaks out and damages the building and halts production, causing you to default on your delivery contracts? Would your business survive?

Solution

Commercial general liability insurance is an absolute necessity for a manufacturing business. This type of protection provides broad coverage for premises, operations, completed operations and advertising, and personal injury. It will also pay to defend any covered lawsuit or action regardless of its merit. Coverage can be purchased as a separate policy and can be tailored to your specific needs. Coverage limits generally range from $100,000 to $1,000,000.

Commercial Property Insurance

Risk Factor

When a gas tank explosion causes an uncontrollable fire, your commercial property and everything within it can suffer a significant loss. This can have a detrimental effect on your manufacturing business.

Solution

Commercial property insurance can help protect the property your business owns or leases, including things like equipment, inventory, furniture, and fixtures. Whether you own your building or lease your workspace, commercial property insurance can be purchased separately or can be combined with other necessary coverage to protect your business’ physical assets.

Business Interruption Insurance

Risk Factor

What would you do if a fire impacted the operation of your production line and prevented you from serving clients for a day or more? Or what if a pipe leak caused a system outage or extended downtime, leaving your production line inoperable? These and other events can destroy your ability to serve clients and bring in revenue, which can have a major long-term impact on the viability of your business.

Solution

Business interruption insurance compensates you for lost income if your manufacturing facility cannot operate as normal due to damage that is covered under your commercial property insurance policy, such as fire or water damage. Business interruption insurance covers the revenue you would have earned, based on your financial records, had the incident not occurred. The policy also covers operating expenses, like electricity, that continue even though business activities have come to a temporary halt.

Product Recall Insurance

Risk Factor

When a product you manufacture is found to be defective and causes bodily injury or property damage to others, you may be held financially liable. Product recalls can be involuntary (required by a regulatory agency or the government) or voluntary (the manufacturer notices a defect that is unlikely to force an involuntary recall), and can be costly.

Solution

Product recall insurance covers expenses associated with recalling a product from the market. Coverage can include customer notification costs, shipping costs, and disposal costs. Coverage generally applies to the manufacturing business itself, though additional coverage can be purchased to cover the costs of third parties.

Workers’ Compensation and Employers Liability

Risk Factor

If one of your employees receives an injury or becomes ill due to a work-related occurrence, you are required by law to have the proper coverage in place.

Solution

Workers’ compensation and employers liability insurance protects your employees should a job-related injury or sickness occur during the course of employment. Since benefits vary by state law, make sure your insurance agent is aware of all physical locations your business operates in and all physical locations where you hire your employees.

Business Auto Insurance

Risk Factor

As a manufacturing business, you have many exposures associated with your business vehicles–owned or leased. With a fleet of cars, trucks, vans, or other types of vehicles used in the course of business, a single accident can potentially put your business in financial jeopardy.

Solution

Business auto insurance provides coverage for vehicles owned or leased by your manufacturing business and provides coverage for bodily injury, property damage, and other exposures, and could include comprehensive and collision coverage as well.

Commercial Umbrella / Excess Insurance Policy

Risk Factor

Losses and lawsuits are quite common in the manufacturing business, and settlements can be substantial. If your business is found to be responsible for damage or injury, you could be facing a large liability loss that exceeds the basic limits of your standard policy.

Solution

You should consider purchasing a commercial umbrella insurance policy, which provides higher limits, typically between $2,000,000 and $10,000,000, and often broadened coverages. Coverage is extended over your general liability insurance, workers’ compensation, and business auto insurance. It provides a great safety net and helps ensure your manufacturing business is well protected.

Motor Truck and Ocean Cargo Insurance

Risk Factor

As a manufacturer, you’re constantly shipping your cargo around the world either by land, air, or sea, which exposes your business to risk as a result of product loss, theft, or damage.

Solution

You can purchase ocean marine insurance for your products while your shipments of goods are in transit, whether it's by truck, rail, air, ship, or boat, and until they reach their final destination.

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