Commercial risk management and surety bonding for design, construction, and law firms anchors the practice at Cavignac, an independent brokerage on A Street in downtown San Diego. Among its specialized coverages, Cavignac writes accountants' professional liability policies through carrier appointments including DPIC/AXA XL, serving CPA practices such as Swenson Advisors LLP with errors-and-omissions protection tailored to audit and tax-preparation risk. Founded on February 11, 1992, the brokerage has earned designation as a Reagan Best Practices Agency for 19 consecutive years, a distinction held by fewer than 250 agencies nationally. Cavignac's surety division issues bid, performance, and payment bonds for general contractors including Harper Construction Co., underwriting obligee requirements across public-works and private-sector projects in San Diego County. The firm's risk-control team deploys site-specific loss analyses, experience-modification rate modeling, and contractual risk-transfer audits to reduce total cost of risk across multi-line commercial programs.