Commercial Insurance Producer
Insurance that keeps up with the business you're building.
I place commercial coverage for owner-operated businesses — property, liability, fleet, and workers' comp — and stay in it with you long after the policy binds. Backed by the markets and resources of ALKEME Insurance Services.
What I Place
Commercial lines, built around how you actually operate.
Most businesses are insured off a template. The better version starts with what you do, what you own, who works for you, and what would actually hurt if it went wrong.
General Liability
Third-party bodily injury, property damage, and products/completed operations — with additional insured and waiver language that holds up to your contracts.
Commercial Property
Buildings, tenant improvements, equipment, and stock — valued so you're not fighting a coinsurance penalty at the worst possible moment.
Commercial Auto & Fleet
Owned, hired, and non-owned auto. Driver screening, telematics credits, and schedules that keep up as units come on and off.
Workers' Compensation
Class code review, ex-mod analysis, and return-to-work support — the three things that actually move your premium over a three-year window.
Umbrella & Excess
Limits that match your contractual requirements and your balance sheet — layered so you're not overpaying for the first $5M.
Management & Cyber
EPLI, D&O, crime, and cyber liability — the coverages most small commercial accounts are quietly missing until there's a claim.
Industries
Comfortable in the accounts other brokers hand off.
Some risks need a market that understands them. These are the classes I work in most — and if yours isn't here, it's worth a conversation anyway.
The Approach
Three conversations, not thirty forms.
Understand the operation
We walk through what you do, where the exposure actually sits, and what your contracts require you to carry. Bring your current policies — I'll read them.
Market it properly
A clean submission to the right carriers, admitted and surplus. You see the options side by side, with the coverage differences called out — not buried.
Stay in it
Certificates same day. Mid-term changes handled. A renewal strategy that starts 90 days out, not 9. And someone who picks up when there's a claim.
About
Taj Roghair
Producer, ALKEME Insurance Services
I work with business owners who've outgrown the policy they bought when they started — and who'd rather understand their coverage than just file it. My job is to find the gaps before a carrier does, get the account in front of markets that actually want it, and then be reachable when something happens.
ALKEME is a national insurance brokerage built by bringing strong independent agencies together. That means the carrier access and specialty resources of a large platform, delivered by someone whose name is on the account.
- RoleProducer, Commercial Lines
- CA License#4543093
- Mobile(949) 542-9963
- Emailtroghair@alkemeins.com
Get Started
Let's look at what you're carrying.
Send over your current declarations pages or just call. A coverage review costs you nothing and usually turns up something worth knowing — whether or not you end up moving the account.
Request a coverage review