Exclusive Insurance Programs


Dave Garcia, President & CEO of Rancho Mesa Insurance Services, Inc., a fourteen-time National Best Practices Agency, will provide an overview of deductible workers’ compensation policies and explain:

  • How deductible workers’ compensation policies are different from other policies
  • The pros and cons of this type of policy
  • Who should consider this option

View the webinar here.

Workers' Compensation Program Highlights

  • Flexible payment options to help with seasonal payroll swings with the potential for zero deposit.
  • Guaranteed Cost and Loss Sensitive deductible options available in certain states
  • No Minimum or Maximum Experience Modifications
  • New Ventures Accepted
  • Competitive Rates
  • Policyholder claim portal to access claim adjuster notes and claim information
  • Claims handled by BHHC employees, no Third Party Administrators
  • 24/7 Telephonic Nurse Triage Services through Medcor; free with unlimited usage for NALP program policyholders:
    • Speed up your injury reporting process with free telephonic nurse
    • Improve incident and accident investigation protocol with recorded statements at time of injury
    • All calls are completed with a written report to your office and your BHHC Claims Professional.

Liability Insurance Program Highlights 

  • Coverage for General Liability, Auto, Property, Inland Marine, and Excess
  • Landscaper Services Workmanship Error – Property Damage 
  • Pesticide & Herbicide Coverage
  • General Liability Coverage Extension
  • Coverage for product you install into job sites that get damaged or stolen
  • Landscapers Property Coverage Extension
  • No Residential Construction Exclusion or Limitation
  • No Subsidence Exclusion 
  • New Ventures can be considered on a case by case basis
  • Competitive rates