Construction workers on a job site at sunset
5.0· 16 Google reviews

Smarter Risk.
Lower Costs.
Stronger Business.

Specialized risk management for commercial businesses with 25–500 employees — the companies most brokers underserve.

Book a Risk Consultation
137+ Years Combined Experience
Group Captive Specialists
California's Sub-Middle Market Experts

How We Work

Our Proven Process

A disciplined, consultative approach that protects your business and improves your bottom line — from day one.

01

Discovery & Alignment

We start by listening. Deep conversations about your operations, workforce, risk exposures, and long-term goals.

02

Risk & Coverage Audit

A thorough review of your current policies to identify gaps, redundancies, and immediate cost-reduction opportunities.

03

Strategic Plan Presentation

We deliver a tailored risk management roadmap — coverage recommendations, carrier options, and a path to lower costs.

04

Seamless Transition

We handle every detail of the transition — carrier communication, documentation, and binding — with zero disruption.

05

Ongoing Improvement

Year-round monitoring of your mod, claims, and safety metrics. We don't disappear after renewal.

Clients We Protect

Arroyo Trabuco logo
Tight Quarters Inc. logo
Graphic Ink logo
Shelby logo
Brownco logo
Brick + Timber logo
KRC Rock logo
Aftco logo
Grit Cycle logo
Arroyo Trabuco logo
Tight Quarters Inc. logo
Graphic Ink logo
Shelby logo
Brownco logo
Brick + Timber logo
KRC Rock logo
Aftco logo
Grit Cycle logo
Arroyo Trabuco logo
Tight Quarters Inc. logo
Graphic Ink logo
Shelby logo
Brownco logo
Brick + Timber logo
KRC Rock logo
Aftco logo
Grit Cycle logo

Why Core Brokers

We don't just place coverage.
We manage risk.

Most brokers show up at renewal. We're working for you year-round — reducing costs, managing claims, and building a safer, more profitable business.

Safety team in a manufacturing facility
01

Concierge-Level Service

You get a dedicated team — not a call center. We act as an extension of your business, available year-round and proactive by default. Your calls get answered. Your problems get solved.

02

Safety Culture Transformation

We don't hand you a safety manual and walk away. We help build a safety culture that reduces claims, improves morale, and lowers your experience mod — which directly cuts your premium.

03

Experience Mod Management

Your experience modification rate is one of the biggest drivers of your workers' comp cost. We actively track, dispute, and manage your mod to drive it down — and keep it there.

04

Your Path to Group Captive Ownership

The best-run businesses don't just buy insurance — they own it. We shepherd eligible clients toward group captive membership, where you share in the underwriting profit your safety record earns.

What We Do

Solutions built around your risk — not our product menu.

The Team

137+ years of experience. One team built around your success.

5.0

16 reviews · all five-star

N

Nick Holt

3 months ago

Chris and John and the entire Core Brokers team are incredible. They have been handling our insurance needs for over 10 years and have always provided the best service and pricing. They are true professionals and I would recommend them to anyone.

B

Bree Bosch

2 months ago

Core Brokers has been our insurance broker for many years. Shea and the team are always responsive, professional, and proactive. They take the time to understand our business and find the best coverage at the best price.

J

Jason Schreiber

4 months ago

I have worked with Core Brokers for several years and they have been outstanding. They are very knowledgeable and always looking out for our best interest. They have saved us significant money on our insurance premiums.

R

Rob McGuire

1 month ago

The team at Core Brokers is top notch. They are experts in their field and truly care about their clients. They have helped us navigate some very complex insurance situations and always come through with the best solutions.

L

Lisa Paige

5 months ago

Corey and the Core Brokers team have been a fantastic partner for our business. They are always available when we need them, incredibly knowledgeable, and have consistently found us better coverage at lower rates.

D

David Thornton

2 months ago

Core Brokers goes above and beyond for their clients. Jim Rose helped us completely restructure our risk management program and the results have been outstanding — lower mod, lower premiums, and a much safer workplace.

FAQs

Who is Core Brokers the right fit for?+
We work best with commercial businesses between 25 and 500 employees — companies that are too complex for a standard broker but often overlooked by large national firms. If you're in construction, manufacturing, transportation, distribution, or a similar industry, and you're serious about managing risk rather than just buying a policy, we're built for you.
What makes Core Brokers different from other brokers?+
Most brokers show up at renewal and hand you a quote. We work for you year-round — tracking your experience mod, managing claims, building safety programs, and identifying cost-reduction opportunities before they expire. We act as a risk management partner, not a policy salesperson.
What is a group captive and is it right for my business?+
A group captive is a member-owned insurance structure where businesses with strong safety records pool their risk and share in the underwriting profit. Instead of paying premiums to a carrier and never seeing that money again, captive members can receive dividends when claims are low. It's not right for every business — but for well-run companies committed to safety, it's one of the most powerful tools available.
How do you reduce our workers' compensation costs?+
Workers' comp premiums are driven largely by your experience modification rate (ex mod). We actively monitor your mod, dispute inaccurate or inflated claims, and help you build safety systems that reduce future incidents. Lower claims frequency and severity means a lower mod — and a lower mod means a lower premium. We also evaluate group captive eligibility for clients ready to take the next step.
Do you help with claims?+
Yes — and this is one of the most important things we do. When a claim happens, we act as your advocate. We work directly with adjusters to ensure claims are handled fairly, disputes are challenged, and your business isn't stuck with inflated reserves that damage your mod for years.
What does the onboarding process look like?+
We start with a discovery conversation to understand your operations, workforce, and current coverage. From there we conduct a full coverage and mod audit, identify gaps and opportunities, and present a strategic risk management plan. If you move forward, we handle the entire transition — carrier communication, documentation, and binding — with no disruption to your operations.
How long does it take to see results?+
Some improvements are immediate — we can often find coverage gaps or billing errors that save money right away. Mod reduction is a longer game: because your ex mod is calculated on three years of claims history, meaningful improvement typically plays out over 12–36 months. We set realistic expectations and track progress transparently throughout.
Core Brokers
Workers' Comp
Market Pulse
Q1 2026 Report
Core Brokers
2026 State of the
Commercial Insurance
Market
Key Findings
corebrokers.com

Resources

Market reports

Discover the key trends shaping coverage terms, deductibles, and premiums in our annual State of the Commercial Insurance Market report — plus our quarterly Workers' Comp Market Pulse. Built for business owners, not brokers.

Let's Talk

Ready to see what smarter risk management looks like for your business?

No hard sell. No generic proposals. Just a candid conversation about where your business is today and what's possible. If we're a fit, we'll show you exactly how we can help.