Our Insurance Products

Homeowner | Auto | Business | More

The experienced staff at Appleby & Sterling, Inc represents over 100 years of insurance knowledge to help you place your standard and preferred risks. "We are known by the Companies we keep."

Our professional agents will get to know your unique insurance needs and offer solutions for everything you have to insure. Learn more about our insurance products below.

Homeowner Insurance

Wherever it is that you call home, whether a spralling estate in the country, a quiet suburban house, or a bustling downtown condo, Appleby & Sterling can help you find the right Simi Valley home insurance policy that fits your needs.

Whether you are buying your first home, relocating to the area, or simply reviewing your home insurance, Appleby & Sterling is here for you. We specialize in making it easy to choose insurance policy options that work for you. Contact us today to find out what we can offer you.


Auto Insurance

You have a lot of choices when it comes to how and where you buy your Simi Valley car insurance. Choosing an independent insurance agent like Appleby & Sterling ensures you still have choices, but also have a trusted advisor that you can depend on to help you find the policy that best fits your needs.

Appleby & Sterling works with a wide range of insurance companies that offer reliable Simi Valley car insurance. Contact us today to find out how we can help you.

Business Insurance

From the one-man shop to large corporations, Appleby & Sterling has business solutions to fit your needs. We're experts in crafting customized Simi Valley commercial insurance polices suited to your unique business operations.

We offer a wide range of wholesale insurance products. Our insurance advisors are dedicated to offering excellent customer service and trustworthy advice. Contact us today to learn more.


Earthquake Insurance

Ninety percent of Americans live in areas considered seismically active, but most homeowner, condo, and renters insurance policies don't cover earthquake damage. The limits of what your policy covers can be confusing, but our professional agents have the expertise to help you decide if you should consider earthquake insurance.

Appleby & Sterling works with many insurance companies that offer additional Simi Valley earthquake insurance. You may even be able to obtain a policy from the same company who insures your home. Contact us today to find out more.

Commercial Auto Insurance

From local pizza delivery to large commercial fleets, Appleby & Sterling offers commercial auto insurance packages to fit your business.

Business insurance needs are as diverse as the businessowners themselves. Your policy should be tailored to how you're using your cars and trucks for your business. We can find the right coverage for your needs.

We're experts in Simi Valley business insurance and provide outstanding customer service. Contact us today to learn more.

Workers Comp

Workers Comp Insurance

Appleby & Sterling, Inc can help your business find complete solutions to your unique workers compensation insurance needs, including services such as innovative payment systems, physician consulting services, and more.

The experienced agents at Appleby & Sterling, Inc will find solutions that create safer and more productive workplaces, more confident and secure workers, and overall savings that you'll see on your bottom line. Contact us today to schedule an appointment.

Restaurant Insurance

No two restaurants are exactly alike. A trendy downtown bar has very different insurance needs from a fast-food franchise, and a coffee shop has different liability concerns than a bar and grill. Appleby & Sterling, Inc has insurance solutions for all types of restaurants, bars, cafes, food trucks and more.

Our professional insurance agents will take the time to learn about your business and recommend a tailored insurance policy to address the needs of your unique operations. Contact us today to find out more.


Contractors Insurance

Whether you focus on a single trade, such as plumbing or electrical maintenance, or provide a wide menu of services, our experienced agents will take the time to learn your unique business and recommend contractors insurance solutions that fit your needs.

We focus on building long-term relationships, and as your company grows and changes, we’ll provide rate and coverage reviews to help you protect your bottom line. Contact us to find out how we can help your business succeed.

Technology Insurance

Your IT company faces different risks than companies in other industries. Appleby & Sterling, Inc offers policies to address the specific concerns of technology companies — whether you operate a sole proprietorship out of your basement or an IT firm in a downtown office.

As your IT business expands and the landscape of corporate technology evolves, our experienced insurance agents will review your policy with you and provide recommendations for new or updated coverage. Contact us to find out more about how we can help.


Condo Insurance

While your condo association likely carries an insurance policy that covers their property and the physical structures as well as common areas on the property, as a condo-owner, you want to ensure your property and possessions are adequately covered. From your appliances to your personal possessions to the upgrades you've added to the unit, Appleby & Sterling, Inc can help you ensure that you're insured.

Appleby & Sterling, Inc partners with many insurance companies that offer complete condominium insurance. Contact us today to find out how we can help you.

Apartment Insurance

As an independent California insurance agent, you are responsible for helping friends, neighbors and loyal customers protect their homes and lifestyles. Whether you offer coverage for studios in Berkley or penthouses in Beverly Hills or bachelor pads in West Hollywood Appleby & Sterling, Inc can help you help those who count on you.

Our wholesale renters insurance products provide coverage for apartments and rental homes as well as belongings. When you need to insure what matters most, we can help.

Auto Repair

Auto Repair Insurance

Do you work with those who help your personal insurance clients stay on the road? Appleby & Sterling, Inc offers a full menu of insurance products as well as BOP insurance for mechanics, tow companies, salvage yards, and auto body shops. Our coverage options include storage liability to protect your customers in the auto-repair industry against personal and professional loss.

We also offer equipment coverage, tow truck insurance and customizable packages suited for one-person shops as well as auto repair chains and franchisees.

Distributors Insurance

California distributors have specialized insurance needs. When your commercial customers need inland marine coverage, product liability coverage and other insurance related to distribution of goods, Appleby & Sterling, Inc can help.

As a California-based insurance provider, we understand the unique concerns of importer-exporters as well as distributors who ship goods domestically. We can help you insure food distributors as well as manufactured parts and electronics. Our coverage possibilities don’t end there, so call today to learn more about our wholesale distributors insurance products.

Dwelling Fire

Dwelling Fire Insurance

When a standard homeowners insurance policy doesn’t fit the needs of your insurance customer, never fear. Appleby & Sterling, Inc offers affordable wholesale dwelling fire coverage for protection against specific risks. As a California-based insurance provider, we understand specific needs and concerns of residents and property owners in the Golden State. Our dwelling fire policies are ideal for

  • Insuring vacant properties
  • Homes under construction
  • Seasonally occupied residences
  • Low-value residences
  • Historic homes and dwellings with ornate exteriors

HO6 Insurance

As an independent insurance agent in California, you help many people insure their homes. Condos can be tricky to insure, but Appleby & Sterling, Inc makes condo coverage easier with wholesale HO6 insurance. Created as a way to protect discerning customers and their high-end lifestyles, the HO6 policy brings condo insurance coverage to a new level.

By partnering with us as an HO6 insurance provider, you can ensure that your discerning customers and those dealing with difficult HOAs have coverage that meets legal and contractual requirements. More important, you can help your customers more effectively protect their high-end lifestyles.

Industrial Parks

Industrial Parks Insurance

In California, we have no shortage of industrial parks. Appleby & Sterling, Inc partners with independent California insurance agencies to provide coverage options and commercial insurance packages for industrial parks and commercial property owners.

Our list of commercial property and industrial parks products include liability coverage options designed to help in the event of HAZ-MAT spills or other environmental disasters. We also offer affordable solutions you can use to help your commercial customers insure warehouses, distribution centers and other industrial property. From lessors risk policies to earthquake coverage options, let us help you as you insure California commercial real estate.

Machine Shops Insurance

Manufacturing and machine shops have been unsung heroes in California for nearly a century. When you need help insuring a California machine shop, consider the wholesale insurance packages available from Appleby & Sterling, Inc. Our industry-specific BOP policies are designed to protect business owners as well as employees in the event of on-the-job accidents, property damage, damage to property belonging to others, and more.

Machine shops provide products made by Americans for Americans. As a California insurance carrier, Appleby & Sterling, Inc proudly supports domestic manufacture. Call today for more information on available wholesale coverage options.

Motels & Hotels

Motels & Hotels Insurance

In a state known for tourism, the hospitality industry is critical to the economic health of the area. California insurance agencies need to offer a full menu of insurance products to meet the needs of local bed-and-breakfast establishments as well as independent hotels and franchise chains. Appleby & Sterling, Inc works alongside independent insurance agencies to offer great insurance coverage to commercial hospitality customers.

Since the size and coverage needs of hotels and motels vary greatly, we offer many customizable products to keep hospitality organizations affordably insured. Contact us today to learn more.

Office Buildings Insurance

Does your California-based insurance agency insure commercial property owners and landlords? If so, consider partnering with Appleby & Sterling, Inc in order to provide effective, affordable coverage options. Whether your clients are new to real estate or have a reputation as commercial property owners statewide, we can help you find viable coverage options for them.

Our office buildings insurance options include commercial landlord liability products as well as customizable commercial property coverage.

Shopping Centers

Shopping Centers Insurance

If you help California businesses with commercial insurance coverage, you need a great source for shopping center insurance. The unique coverage needed by commercial property managers and owners requires specialized insurance policies. We have wholesale policies and insurance packages that include commercial coverage specifically designed for shopping center real estate and management.

Our shopping center insurance packages can include

  • Commercial landlord liability
  • Earthquake insurance
  • Business property coverage
  • Equipment breakdown insurance
  • Employee dishonesty coverage
  • Workers compensation insurance
  • Other vital commercial coverage

Wholesale Insurance

Independent insurance agents in California rely on Appleby & Sterling, Inc for wholesale insurance. We offer a full menu of practical insurance products to small and mid-sized insurance agencies and brokers. With over 100 years combined industry experience, our professionals partner with established local brokers as well as new insurance agencies.

If you’re looking for an insurance partner to help you provide better customer service and more practical options, contact us today to learn more.