Business insurance. With 70% of our commission back.

A membership for California businesses

A business insurance membership by OnePark Risk. Built for property owners, contractors, accounting firms, professional-service businesses, and startups whose primary business base is in California, including businesses that also operate in other states. 70% of eligible commissions back Membership from $99/year Independent carrier shopping Rebates are a percentage of eligible commissions—not premiums. Membership fees vary by FTEs and gross revenue. Policy eligibility and actual savings require review.

What could your commission rebate look like?

Illustrative annual eligible premium: $50,000. Assumed brokerage commission: 15%. Illustrative commission earned: $7,500. Member's 70% share: $5,250. Illustrative annual rebate, before membership fee. Example only. A 15% commission is an assumption, not a quote or industry average. Your commission rate, eligible premium, and membership price may differ.

Your coverage does the protecting. Your membership does the giving back.

Insurance premiums can include compensation paid to the broker. OnePark Pacific makes that compensation part of the membership value: we return 70% of the eligible commission we actually earn and receive on your policies. We retain 30%, alongside your annual membership fee, to support our brokerage services. INDEPENDENT ADVICE: We are not tied to a single insurance carrier. We help you compare available options for your business, rather than steering every company toward one insurer. A TRANSPARENT SHARE BACK: Your rebate is tied to eligible brokerage commissions. We explain the calculation so you can understand the dollars coming back—and compare them with your membership fee. SAVINGS THAT DO NOT DEPEND ON CUTTING COVERAGE: The rebate comes from our compensation. It does not, by itself, lower your policy limits or raise your deductible.

Shop the market. Then share in the commission.

OnePark Pacific combines two separate opportunities: finding a competitive insurance option and returning a substantial share of the commission we earn. FIRST, COMPARE COVERAGE AND PRICE.: We help review available carriers, policy terms, limits, deductibles, and exclusions. A cheaper premium is not automatically a better policy. THEN, GET 70% OF ELIGIBLE COMMISSIONS BACK.: Once an eligible policy generates commission we earn and receive, your membership returns 70% of that commission under the program terms. One opportunity comes from shopping. The other comes from sharing. Market-shopping savings are not guaranteed. Rebates are calculated using the actual eligible placement—not a hypothetical higher premium.

For businesses with larger insurance budgets, the rebate can reach thousands.

The opportunity grows with the eligible commissions on your policies. These examples use an assumed 15% commission to make the math easy to understand.

Eligible premium × actual commission rate × 70% = commission rebate

Examples are hypothetical, not customer results or average premiums. Actual commission rates vary by policy and carrier. Membership fees reduce net savings, and a rebate may be less than the membership fee.

Run the numbers for my business.

How much could come back to your business?

Illustrative assumption—confirm your actual rate. Scenario buttons are illustrative assumptions, not a stated market range or typical rates. Scenario presets: 5%, 10%, 15%, 20%, and 30%. Enter your quoted fee, or a hypothetical fee for comparison. Taxes, unrelated fees, noncommissionable premiums, and commissions OnePark does not receive are not part of the modeled base. For portfolios with different policy rates, enter an appropriately weighted assumption. The entered membership fee is greater than this illustrative rebate. This is an estimate, not a pricing recommendation.

You may not need different insurance. Just a different broker.

Already have business insurance? Start with a review of your current policies. Depending on the carrier, coverage, and policy terms, OnePark may be able to become your broker of record or handle your next renewal. Where eligible, future commissions we earn can qualify for the membership rebate. TELL US WHAT YOU HAVE.: Share your coverage types, approximate annual premiums, and renewal dates. WE REVIEW THE PATH FORWARD.: We check market access, policy eligibility, and whether a broker change or renewal placement may work. COMPARE YOUR OPTIONS.: We review available renewal alternatives and explain the membership price and estimated rebate before you decide. RECEIVE ELIGIBLE REBATES.: Your annual rebate is based on eligible commissions actually earned and received under your membership terms. Carrier approval and commission rights vary. No retroactive rebate on commissions paid to another broker is promised. Joining does not automatically transfer, bind, cancel, or change a policy. Renewal prices and coverage may change. Check my renewal opportunity.

Membership starts at $99 per year.

A business-sized membership—not a one-size-fits-all price. From $99/year. Your annual membership price is based on your company’s full-time-equivalent employee count and gross annual revenue. Share those details and we will confirm your price, review eligible policies, and help you compare the projected rebate with your membership cost. Independent coverage and carrier-option review. Existing-policy and renewal eligibility review. 70% of eligible policy commissions rebated under membership terms. An explanation of the membership fee and rebate calculation. Insurance premiums are separate. OnePark retains 30% of eligible commissions in addition to the membership fee. Final pricing and eligibility are confirmed before enrollment. Check my membership price.

Built for the businesses that keep California moving.

COMMERCIAL REAL-ESTATE OWNERS AND OPERATORS: For owners of multifamily, mixed-use, office, retail, and industrial properties, insurance is part of the operating budget. Bring your buildings, current coverage, and renewal schedule into one review. We can assess placement options and identify where eligible commissions could generate a membership rebate. Review my property insurance GENERAL CONTRACTORS AND SPECIALTY TRADES: From liability policies to eligible workers’ compensation, commercial auto, and equipment coverage, your program can involve several policies and renewal dates. We help review the pieces together and calculate potential rebates policy by policy. Review my contractor coverage ACCOUNTANTS, CPAs, AND ACCOUNTING FIRMS: Whether you run a bookkeeping practice, tax firm, fractional-CFO business, or audit practice, your services deserve a coverage review that reflects what you actually do. Explore available insurance options and the potential membership rebate on eligible policies. Review my firm’s insurance CONSULTANTS AND PROFESSIONAL-SERVICE COMPANIES: Agencies, advisers, consultants, and service businesses can use OnePark Pacific to review available coverage and understand the commission economics behind eligible policies. Start with your existing insurance or an upcoming renewal. Review my business insurance Building something new? Bring your insurance strategy with you. Startups can request a review of their current insurance, upcoming requirements, and eligibility for the membership model.

What does business insurance cost in California?

There is no single price for a building, a contracting company, or a professional-services firm. These published benchmarks provide context—not a quote, a complete insurance budget, or a forecast of your rebate.

2024 multifamily insurance-expense benchmarks · reported in 2023 dollars

Federal Reserve research published September 19, 2025, and its Figure 2 accessible data. Annualized figures are our calculation: monthly values multiplied by 12. [S1–S2]

Sources: S1, S2.

These historical figures describe sampled multifamily properties financed through commercial mortgage-backed securities. They are not current quotes, averages for all buildings, or benchmarks for office, retail, and industrial properties. The reported insurance-expense category is not a standardized policy package or a verified commissionable premium.

Office, retail, mixed-use, and industrial: request a property-specific review.

Benchmark provenance: geography — Los Angeles, San Diego, and San Francisco metro areas; statistic — Average expense; period — 2024 benchmarks, reported in 2023 dollars; units — Monthly expense per apartment unit; annualization — Monthly values multiplied by 12..

California customer averages · individual coverages, not complete programs

Insureon’s California small-business insurance page. [S3]

Sources: S3.

These are averages for Insureon’s California customer sample, which is largely very small businesses. They are not city-specific or industry-specific averages. Annualized amounts multiply rounded monthly figures by 12.

Benchmark provenance: geography — California; statistic — Customer averages; period — Published customer benchmark; units — Monthly individual-coverage premiums; annualization — Rounded monthly values multiplied by 12..

National small-business customer medians—not California or city averages

Insureon’s respective industry cost pages. Use the published annual amounts, not a new multiplication of rounded monthly values. Their methodology uses medians. [S4–S6]

Sources: S4, S5, S6.

These are separate-policy benchmarks for national customer samples. They are not a prediction for your company, a package price, or a large-firm budget. A business owner’s policy typically includes general liability, so do not add both as separate required purchases.

Benchmark provenance: geography — National; statistic — Small-business customer medians; period — Published annual benchmark; units — Annual separate-policy premium; annualization — None; published annual amounts are displayed..

Los Angeles. San Diego. San Francisco. One membership model.

LOS ANGELES: For property owners, contractors, accounting practices, agencies, and other Los Angeles-area businesses reviewing their next insurance renewal. SAN DIEGO: For San Diego-area companies that want to compare available coverage and understand whether a commission-rebate membership fits their insurance budget. SAN FRANCISCO: For Bay Area property owners, professional firms, and startups seeking an independent review of their insurance and potential membership value. Membership is exclusively for businesses primarily based in California. Operations in other states are allowed and reviewed individually, but they do not make a non-California-based business eligible.

The most useful number is your own renewal.

Bring your current premium and coverage details. We will review what is eligible and estimate the rebate using the actual commission information available for your policies. Use my actual policy numbers.

Your next renewal could do more for your business.

Find out whether OnePark Pacific can help you compare coverage, keep the protection your business needs, and get a substantial share of eligible brokerage commissions back. No policy changes occur just because you request a review.

What we’ll discuss after you submit

After you fill out this form, we’ll follow up with you to discuss: Reviewing your existing insurance policies. Planning for your upcoming renewals. Exploring new business insurance coverage. Confirming your OnePark Pacific membership price.

Sources

• Federal Reserve: [S1] Federal Reserve research: data scope, methods, and dollar basis — supports the multifamily CMBS sample, historical period, and inflation-adjusted 2023-dollar basis.
• Federal Reserve: [S2] Federal Reserve accessible Figure 2 data: metro values — supports the three 2024 metro monthly insurance expenses per apartment unit; annual equivalents are calculated here as monthly values ×12.
• Insureon: [S3] Insureon: California small-business policy benchmarks — supports California small-business customer monthly coverage averages; annual equivalents are calculated here from rounded monthly values ×12.
• Insureon: [S4] Insureon: general-contractor cost benchmarks — supports the published national general-contractor annual policy medians.
• Insureon: [S5] Insureon: accountants and auditors cost benchmarks — supports the published national accountant/CPA annual policy medians.
• Insureon: [S6] Insureon: professional-service business cost benchmarks — supports the published national professional-services annual policy medians.