As a business owner, you need great business insurance because you face all sorts of challenges every day, and to meet those challenges, you need to make informed decisions about managing risk. Having an experienced partner by your side who can help you make the best decision is a key component to becoming more successful and more profitable.
We believe forming long-term relationships with our clients helps them mitigate their risks and operate their businesses in a more confident and cost effective manner. We’re an independent agency, which means we work with a network of the country’s top-rated insurers to find our clients the best coverage at the most competitive pricing available.
We are highly experienced in helping a variety of commercial clients get the coverage they need. No matter what your exposures, we will advise you on a wide range of options to get the best protection, including:
Commercial General Liability
Commercial Excess Liability
Directors & Officers – D & O
Errors & Emission – E & O
Employers Practices Liability – EPLI
We offer insurance coverage customized for specific business needs and scaled for the size of your business, including coverage options for:
Auto service industry
Food service businesses
Retailers and wholesalers
Builders risk…and much more.
We begin by performing a detailed analysis and evaluation to determine both risks and coverage needs. Then we perform an exhaustive search of insurance options from among our network of top carriers to find the custom coverage your business needs at a cost your business can afford. To make this process more efficient we will ask for your current insurance contracts to begin our review process.
Meet Our Team
Raised in San Luis Obispo County, Cathy has worked in the field of Agribusiness Risk Management since 1989 when she began working for the USDA Farm Service Agency. While there she implemented farm subsidy, crop disaster and conservation programs for San Luis Obispo, Monterey and Santa Barbara Counties. In 1999 she began selling and servicing crop insurance then expanding into farm and ranch insurance as well as business, homeowners, auto, life and health. She spent many years working with horses along with her daughter and now enjoys ocean kayaking, gardening and visiting her daughter, son-in-law and two grandsons in Humboldt County.
Brian Gill is the fifth generation of a family that has been in agriculture for almost 150 years. Brian’s upbringing in a family farming and ranching culture gives him the knowledge to understand firsthand how to manage the risks associated with agribusiness with the right combination of insurance products. In addition to his vast agricultural background, he has been in the insurance industry for 10 years and is a member of Class 50 of the California Agricultural Leadership Program.