Insurance Education
What Does "Independent Brokerage" Actually Mean?
Everyone says "go independent" — but what does that actually mean for your coverage? A plain-language explainer from someone who grew up in the business.
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.
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.
Some of Our Trusted Carriers
Chubb
Hartford
Mercury
Nationwide
Travelers
Liberty Mutual
Progressive
Safeco
Foremost
HagertyWhat our clients say
“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.”
— Long-time Client, San Carlos
“Paul not only saved us money on our new home and car insurance, he is a delightful person to deal with.”
— Homeowner, San Mateo County
“Very helpful with obtaining home insurance and working within our deadlines.”
— New Homebuyer, Bay Area
“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.”
— Long-time Client, Peninsula
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.
Family LifeVideo
Growing Up Covered: The Very First Video
The first Growing Up Covered video is here. A short intro to who we are, where we come from, and what this series is all about.
Family Life
Growing Up Covered: Why I Started This Blog
Four generations. One family. A century of coverage. Here is why I finally started writing about it — and why it might matter to you too.
Ready to find better coverage?
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