Commercial Insurance Services

One of the things we will do before quoting a price is to educate our clients regarding coverage so they can make a better decision when protecting their company. We also help our clients to promote their companies by referring them to organizations and other clients within our network. One of our mottos is Help me to Help you!

Personal Insurance Services

20 years experience writing Homes and Autos has taught us a lot and being able to pick and choose carriers who will best fit your needs and budget is what we do. Most people don't realize that combining your home and auto could save you over 25%. We will also show you how to only have one deductible if you have a claim instead of possibly two.

• Small & Large Business Insurance - no matter what the size of your company, you have to protect it, or it can be taken away. We represent many of the top carriers to protect your business now and into the future.
• Workers Compensation Insurance - If you have a full or part time employee, the law states that you need to have workers comp and if you don't, you will be paying for an injury your employee sustains. Cornerstone works with many of the carriers in California.
• Employment Practices Liability Insurance - We offer EPLI In the event you are sued by an employee for discrimination or other work related instances
• Contractors and Developers - If you are going to build it you have to first insure it. We have the products to do that. From your bond to be licensed to general liability to get on the job. Even performance bonds to bid on those County or State jobs. For developes Course of Construction or Owner Controlled Insurance Programs (OCIP) or Wraps. The market will change so be prepared for it and contact us today.
• Commercial Auto - Whether you are driving onto a job site or delivering across country, we have the insurance coverage for you.
• Professional Liability - If you are advising or giving specifications, you are at risk. Our professional liability insurance is what you need. If you serve on a board of directors you need to make sure there is a Directors and Officers policy in force. Or you can be personally liable...
• HOA & PUD's Insurance - If you live in a Homeowners Association or a Planned Unit Development, there is very specific coverage you need and your CC&R's require them. We have been memebers of Community Association Institute for over 18 years and have served on the board of directors for over 5 years. We can help you to protect your association and property. We work with some of the most competitive carriers in the industry, offering everything from the General liability, property, directors and officers, fidelity, and non ownership auto coverages for associations

• Homeowners Insurance - We help to protect one of your biggest investments not just with a fire policy but with a homeowners policy that will rebuild your home in the event of a fire and replace your contents in the event of a theft. We also will provide you with additional living expense if you are out of your home due to a fire, or represent you if you are sued because a person was hurt on your property.
• Condo Owners Insurance - Most condo owners think because the association has coverage then they don't need to be covered--and that is only partly true. What condo owners don't realize is if something happens in their unit (fire or theft) then they need to have their own coverage. The association does not cover their contents or loss of use. They also do not realize how very inexpensive it is to get coverage.
• Renters Insurance - If you are renting and there is a fire and all of your stuff is destroyed...then what? Did you ever think of how much stuff you have in your junk drawer? Renters insurance is what you need and combined with your auto--it's worth every penny.
• Auto Insurance - What can we say that you haven't already heard? It's the law. You have to have it. Let us show you how it can help to protect your assets in case of an accident.
• Life Insurance - If you have a family or a business, you need to have life insurance. We represent over 20 different life insurance carriers, all rated "A" and all have guaranteed level premiums so its easy. We will help you decide how much coverage you need and put you with a carrier that best fits that need at a price that is affordable. Because if you can't afford it, you won't keep it. If you don't keep it, we did not do our job.
• Medical & Dental Insurance - We represent the major carriers in the state with so many different plans to choose from. We will help you to put the right plan in place for you and your family and will help to make it fit your budget.