Coverage built layer by layer, not off the rack.
MEL Insurance Brokerage Inc. shops your risk across a network of carriers so property owners, contractors, and business operators across the South Bay get protection sized to what they've actually built — not just a renewal notice.
Six ways we protect what you've built.
Every business and property carries a different mix of exposure. We build your program from these core lines, then adjust the layers to fit.
Commercial Property
Buildings, equipment, and contents against fire, water, wind, and theft — sized to true replacement cost.
General Liability
Protection against third-party bodily injury, property damage, and legal defense costs on your operation.
Commercial Auto
Owned, hired, and non-owned vehicle coverage for single vehicles up to full fleet operations.
Workers' Compensation
Medical and wage coverage for employees injured on the job, with experience-mod review at renewal.
Umbrella & Excess
Additional limits stacked above your primary policies once a large claim exceeds their coverage.
Surety Bonds
Contract, license, and permit bonds required to operate, bid, or hold certain licenses in California.
Coverage for what's yours, not just what you run.
Alongside our commercial lines, we also place personal Property & Casualty coverage for individuals and families across Hawthorne, Gardena, and the South Bay.
Homeowners
Dwelling, personal property, and liability coverage for owner-occupied houses and townhomes.
Personal Auto
Liability, collision, and comprehensive coverage for the vehicles you and your family drive.
Renters
Affordable protection for personal belongings and liability inside a rented apartment or home.
Condo
Coverage for interior finishes, personal property, and liability where your HOA policy leaves off.
Personal Umbrella
Extra liability limits above your home and auto policies for added peace of mind.
Boat, RV & Motorcycle
Liability and physical damage coverage for the vehicles and toys you use outside daily driving.
We place your risk with carriers like these.
As an independent brokerage, we're not limited to one company's paper. Depending on your industry and coverage needs, your submission may go to any of the following markets — among others.
Carrier availability varies by coverage line, industry, and risk profile.
One application. Many carriers. No guesswork.
A captive agent sells one company's paper. As an independent brokerage, we work for you — comparing terms across our carrier network and standing beside you when a claim happens.
We shop it, not just quote it
Your submission goes out to multiple carriers at once, so pricing and terms are compared side by side instead of accepted on faith.
We advocate at claim time
When something happens, you have a broker on your side of the table — not just a call center reading from a script.
We know the South Bay
Local exposures — from coastal weather to municipal permitting — shape how we structure a policy, not a national boilerplate.
"The right policy isn't the cheapest one — it's the one that actually pays when you need it to."
— How MEL Insurance Brokerage approaches every renewal
From first call to bound policy.
Tell us what you're protecting
A property, a fleet, a crew, a contract — we start with a short conversation about your operation and current coverage.
We shop your risk
Your submission goes to carriers across our network suited to your industry and exposure.
You compare real options
We lay out quotes side by side — limits, deductibles, and exclusions explained in plain terms.
We bind and stay on call
Once you choose, we bind coverage and remain your point of contact through renewals and claims.
A local brokerage for South Bay property owners and businesses.
MEL Insurance Brokerage Inc. is an independent Property & Casualty brokerage headquartered in Hawthorne, serving business owners, landlords, and contractors throughout Hawthorne, Gardena, and the greater South Bay and Los Angeles area.
Because we're not tied to a single carrier, our job is simple: understand your risk, place it with the right market, and stay available long after the policy is bound.
Office Address
11801 S Inglewood Ave, Suite 7
Hawthorne, CA 90250
Phone
(310) 692-4886
info@melinsurancebrokerage.com
License
California License #0I67839
Let's build your coverage.
Tell us a bit about your business or property and we'll follow up with next steps and the information we'll need to shop your risk.
Office
MEL Insurance Brokerage Inc.
11801 S Inglewood Ave, Suite 7
Hawthorne, CA 90250
Direct
Phone: (310) 692-4886
Email: info@melinsurancebrokerage.com
Placeholder contact details — replace with your real number, email, and CA license number before publishing.
Hours
Monday – Friday, 9:00 AM – 5:00 PM
Evenings and weekends by appointment