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Safeguard Your Systems, Data, and Business Continuity

Digital & Operational Risk Insurance in San Diego & Chula Vista

In today’s connected world, digital and operational risks can disrupt your business in seconds. Preferred Property & Casualty offers specialized coverage for emerging risks that traditional policies often miss. We help you stay protected, proactive, and resilient.

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What We Offer

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Cyber Liability Insurance

Helps cover the cost of data breaches, ransomware attacks, system compromise, and privacy violations — including legal fees, notification costs, and business interruption losses.

Risk Management Services

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Proactive support to identify exposures and reduce preventable loss — often bundled with specialty coverage to improve insurability and response readiness.

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Environmental Liability Insurance

Protects against claims related to pollution or hazardous material exposure — especially important for contractors and property managers.

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Business Interruption Insurance

Covers lost income and operating costs if your business is forced to shut down due to a covered event, such as fire, cyberattack, or equipment failure.

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Equipment Breakdown / Systems Failure Coverage

Pays to repair or replace essential equipment and systems after mechanical or electrical failure — including HVAC, computers, and production machinery.

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Captive Program Management

Custom insurance structures for businesses seeking more control over risk and cost — ideal for larger organizations or complex risk profiles.

Who It's For

  • Contractors and property owners managing sensitive data or operational systems
  • Businesses that rely on digital platforms or connected devices
  • Companies with exposure to cyber, pollution, or downtime risks
  • Organizations interested in risk mitigation and long-term control


We help you protect your business from behind-the-scenes threats — with modern coverage designed for the way today’s businesses operate.

Let’s Get You Covered

Cyber. Downtime. Compliance. We help you stay ahead of evolving risks with practical coverage and responsive support.

Serving San Diego, Chula Vista, and clients across California. Licensed in Oregon and Washington.