Affordable protection for a set period. Perfect if you need coverage while raising kids or paying a mortgage. If you outlive the term, coverage ends — but you’re protected when you need it most.

Term life with a bonus: if you outlive your term, you get your premiums back. Peace of mind that your investment isn’t lost — either your family is protected or you get paid.

Coverage that lasts your whole life. Builds cash value you can borrow against. More expensive than term, but you’re protected no matter when you pass — and leave a guaranteed legacy.

Coverage for your home’s structure — walls, roof, foundation, built-in appliances. Replacement cost coverage ensures you can rebuild without out-of-pocket costs.

Coverage for furniture, electronics, clothing, and other personal belongings inside and sometimes outside your home. Covers theft, fire, and covered perils.

Medical payments to others, legal liability for injuries on your property, and loss of use coverage while your home is being repaired.

Coverage for structural damage from earthquakes — never included in standard homeowners policies. Essential for Bay Area homes.

Comprehensive wildfire protection — increasingly difficult to find as carriers exit California. Aaron specializes in placing this coverage.

Flood damage is not covered by standard homeowners insurance. Coastal and low-lying properties absolutely need this rider.

Covers medical bills and property damage if you cause an accident. California minimums: $15,000 bodily injury, $5,000 property. We recommend at least 100/300/100 — or higher.

Covers repair or replacement of your car if you collide with another vehicle or object. Pays regardless of who’s at fault. Essential if you have a car loan.

Covers theft, vandalism, weather, wildlife, glass damage, and other non-collision damage. Peace of mind for Northern California drivers facing hail, wildfires, and break-ins.

If an uninsured driver hits you, UM coverage pays for your medical bills and vehicle damage. Covers bodily injury and property damage.

The other driver has insurance, but not enough. UIM covers the gap between their policy limits and your actual damages.

Quick payment for medical expenses after an accident, regardless of fault. Covers you and your passengers. No deductible.

Coverage when a customer or third party is injured on your premises or by your business operations. Covers medical bills, legal defense, and settlements.

Coverage for your building, equipment, inventory, and fixtures. Protection against fire, theft, weather, and California-specific perils like wildfire and earthquake.

Mandatory in California. Covers employee medical bills, lost wages, and rehabilitation costs if injured at work. Protects you from personal liability lawsuits from employees.

Coverage for company vehicles — liability, collision, comprehensive. Essential if your business uses vehicles for operations.

Coverage for errors, omissions, or professional mistakes. Protects doctors, attorneys, accountants, consultants, and other service providers.

Protection against data breaches, ransomware, and cyber incidents. Covers recovery costs, legal liability, and notification expenses.

Required if you serve or sell alcohol. Covers injuries or damage caused by intoxicated individuals on your premises.

Covers repair/replacement of critical business equipment — HVAC, machinery, electrical systems. Includes business interruption.

Standard commercial property doesn’t cover flood or earthquake. Critical add-on for Bay Area businesses in risk zones.

Adds $1M in liability protection above your home and auto policies. Ideal for most California families with standard assets and one home.

Doubles your protection. Recommended if you own multiple properties, have teen drivers, or have significant assets to protect.

Top-tier protection for high-net-worth families. Essential for business owners, executives, and those with substantial Bay Area real estate.

You cause a multi-car accident with severe injuries. Damages reach $1.2M. Your auto policy covers $300K — umbrella covers the rest.

Guest falls on your stairs, suffers permanent injury. Medical bills + pain and suffering = $850K. Home policy covers $500K.

Your dog bites a neighbor. Lawsuit settles at $400K. Home liability covers $300K — umbrella covers the remaining $100K plus legal fees.

Neighbor’s child injured in your pool. Lifelong medical care needed. Damages exceed $2M. Standard limits run out fast.

Social media post leads to defamation lawsuit. Most umbrella policies cover personal injury claims including libel and slander.

Your teen causes serious accident. Multiple injured parties. Auto limits exhausted quickly. Umbrella protects family assets.

Business consultants, management advisors, and strategy professionals face claims when advice doesn’t deliver expected results. E&O protects against these claims.

Real estate agents, insurance brokers, and financial advisors face significant E&O exposure. Missed disclosures or wrong recommendations can lead to costly lawsuits.

Software developers, web designers, marketing agencies, and creative professionals face claims when deliverables don’t meet expectations or cause client losses.

Claims that you failed to perform your professional duties with reasonable care, skill, or diligence. Covers oversights and mistakes.

Missed deadlines, wrong calculations, forgotten paperwork, or critical information you failed to communicate to your client.

Attorney fees, court costs, expert witnesses, and settlement negotiations. Defense costs are covered even if claims are unfounded.

Claims that you failed to deliver services as promised or contracted. Covers disputes over deliverables, timelines, and outcomes.

Claims that you misrepresented your services, qualifications, or expected outcomes. Covers innocent misstatements and miscommunication.

Accidental disclosure of client information, data leaks, or privacy violations. Important for professionals handling sensitive data.

Foot traffic means exposure. Every customer who walks through your door is a potential slip-and-fall or injury claim. Premises liability is the core of what this coverage does.

You work on other people’s property every day. One damaged wall, broken pipe, or injured bystander can wipe out a year of profit. Most GCs and cities won’t let you work without proof of coverage.

Hot food, busy floors, equipment, and constant customer contact create daily liability exposure. General liability also covers claims tied to the products and services you deliver.

Third parties injured on your premises or by your operations — medical bills, lost wages, and settlements when a customer or visitor gets hurt.

Damage your business causes to someone else’s property — a client’s home, a neighboring unit, a rented space. Repair and replacement costs are covered.

Attorney fees, court costs, and settlement negotiations — paid by the policy, not out of your pocket, even when the claim against you is unfounded.

Injuries or damage caused by products you sell or work you’ve finished — a meal that makes someone sick, an installation that fails after the job is done.

Claims of libel, slander, or copyright infringement in your advertising — the marketing risks most owners never think about until a demand letter arrives.

Small, no-fault medical claims paid quickly — often the difference between a minor incident handled gracefully and a full lawsuit from an unhappy visitor.

Covers all reasonable medical treatment for work-related injuries or illnesses — doctor visits, hospital stays, surgery, prescriptions, and physical therapy.

Replaces a portion of lost income while an employee recovers and cannot work. Includes temporary disability, permanent disability, and supplemental benefits.

Protects your business from injury-related lawsuits and provides death benefits to families if a workplace accident is fatal. Covers vocational rehabilitation too.

High-risk physical work means higher injury rates. Contractors, electricians, plumbers, and roofers face strict coverage requirements.

Slips, burns, cuts, and repetitive strain injuries are common. Food service and retail businesses need solid coverage for their teams.

Even low-risk office environments have exposure — repetitive strain, slips, and stress-related claims. Coverage is still legally required.

Heavy lifting, equipment operation, and vehicle use create significant injury risk. Logistics and delivery businesses need comprehensive coverage.

Salons, spas, fitness studios, and cleaning services involve physical work and chemical exposure. Coverage protects staff and owners.

Patient handling, needle injuries, and exposure risks make healthcare a high-claim industry. Medical practices and care facilities need robust coverage.

Covers motorhomes, travel trailers, and campers with protection built for life on the road — including your belongings inside and liability when your RV is parked at a campsite.

Protection for boats and personal watercraft on California’s lakes, bays, and coastline — covering hull damage, liability for injuries on the water, and even towing when you’re stranded.

Coverage for motorcycles, ATVs, UTVs, dirt bikes, and golf carts — from required liability on California roads to protection for custom parts, gear, and trail riding.

Weekend trips to Tahoe or full-time RV living — motorhomes and travel trailers need specialized coverage for the road, the campsite, and everything inside.

From the bay to the delta to mountain lakes — boats face collision, sinking, theft, and liability risks that most marinas and lenders require you to insure.

Personal watercraft are fast, fun, and a major liability exposure. Injuries to passengers or other riders can lead to significant claims without proper coverage.

California requires liability insurance for every motorcycle on the road. Full coverage adds protection for your bike, custom parts, and riding gear.

ATVs, UTVs, and dirt bikes face rollover, collision, and theft risks — and many riding parks and OHV areas require proof of liability coverage.

Whether it’s for the course or the neighborhood, golf carts carry real liability and theft exposure — and homeowners policies rarely cover them off your property.