Insurance Education
Umbrella Insurance: The One Policy Most People Misunderstand
Umbrella coverage in plain English: what it is, what it isn’t, who it’s for, and how to size it.
A tradition of helping families and businesses grow across generations.
We're the insurance agency San Francisco families have trusted for 100 years — now rebuilt for the next 100. Have a question? Ask Phillip, our AI assistant.
How It Works
Getting the right coverage doesn't have to be complicated. Here's our simple 3-step process.
Step 1
Tell Us About Yourself
Share your coverage needs through our quote form or give us a call. We'll ask a few questions to understand what you're looking for.
Step 2
We Shop the Market
We compare rates and coverage from multiple carriers — Chubb, Hartford, Travelers, and more — to find the best options for you.
Step 3
Get Covered
We present your options with a clear recommendation. You choose, we bind coverage, and you're protected — often the same day.
Not sure what you need? — our AI assistant can help you figure it out.
Some of Our Trusted Carriers
What our clients say
Long-time Client, San Carlos
“Hands down one of the nicest and friendliest people with whom I've worked. I've been a client of Paul's for 8+ years. No matter how many questions I've asked, Paul was always ready to listen and quickly respond with a great solution.”
Homeowner, San Mateo County
“Paul not only saved us money on our new home and car insurance, he is a delightful person to deal with.”
New Homebuyer, Bay Area
“Very helpful with obtaining home insurance and working within our deadlines.”
Long-time Client, Peninsula
“At one point I ran out of gas on the freeway and Zach Nadler came to bring me gas on his way to the office. That's the kind of agency this is.”
Safeco Award of Excellence — 15 consecutive years as a Top 1% agency nationwide
Growing Up Covered
Real stories about risk, protection, and life in the Bay Area.
Insurance Education
Why Your California Auto Insurance Rates Keep Climbing (Even With a Clean Record)
California auto rates are rising even for clean drivers because the cost of claims has exploded, especially from litigation and “social inflation.” Here’s what’s driving the increases and the smart ways to cut premiums without gutting liability protection.
Insurance Education
Deductibles: The Most Confusing Word in Insurance (Made Simple)
What a deductible actually is, how it works in real claims, and how to choose one without guessing.
Ready to find better coverage?
Talk to a real person who works for you, not the insurance company.
Frequently Asked Questions
What is an independent insurance broker?
An independent insurance broker works for you, not for any single insurance company. Unlike a captive agent who can only sell one carrier's products, an independent broker like Nadler Insurance shops across multiple carriers to find the best coverage and price for your specific needs.
What types of insurance does Nadler offer?
We offer a full range of personal and commercial property & casualty (P&C) insurance, including auto, homeowners, earthquake, flood, renters, umbrella, business owners packages, general liability, workers compensation, cyber liability, and specialty industry coverage for restaurants, tech startups, and more.
Do you offer coverage outside the Bay Area?
Yes. While our office is in San Carlos and we primarily serve San Mateo County, San Francisco, and the broader Bay Area, we can write coverage throughout California and in many other states depending on the carrier and line of business.
How do I get a quote from Nadler Insurance?
You can start by filling out our online quote form, calling us at (650) 508-8000, or booking a meeting through our website. We'll ask a few questions, shop the market across our carrier panel, and present you with options — often the same day.
How long has Nadler Insurance been in business?
Nadler Insurance has been serving Bay Area families and businesses since 1927 — nearly a century. We're now in our fourth generation, with Paul Nadler as principal and Zach Nadler as CIO.