Owned and operated by Terry D. McNeil, MBA

We work for you, not the insurance company.  As a broker, we represent several different insurance companies.  We will quote your coverage with several carriers and make sure we offer the best coverage at the most competitive price.  Our association with Brooke Insurance allows us access to a wide range to top quality, nationally known, insurance carriers.  We do not charge broker fees, so you gain all the advantages of working with a broker without any additional cost.

One of the major advantages of big companies is that they can hire professional help to deal with problems.  For example, most Fortune 500 companies hire professional risk managers to help manage risk and reduce the cost of insurance.  Unfortunately, many small business owners, or individuals, never have the opportunity to get assistance from a qualified risk management professional.  That is, until now.  Our agency is owned and operated by Terry McNeil.  He is a highly experienced professional risk manager.  For over 15 years he was Vice President and Director of Insurance for ABM Industries, Inc., in San Francisco.  ABM has over 70,000 employees and Mr. McNeil managed an insurance program with an annual budget in excess of $100 million.  He retired from ABM in June of 2004, and relocated to El Dorado Hills.  Terry has over 30 years experience in insurance as an agent, underwriter, claims manager and risk manager, and has testified as an expert witness regarding high-value insurance coverage disputes. 

Personal Lines:

Our agency has the insurance markets and the expertise to handle all of your insurance needs, including, but not limited to, Auto, Homeowners, Condominium, Mobile Home, Renters, Motorcycle, ATV, RV, Boat, Yacht, Antique Automobile and more.  We also have excellent markets for Personal Umbrella, Flood and Earthquake. In addition to the standard flood insurance program, offered through the NFIP, we have carriers who can provide excess flood insurance coverage, if required.  We also have carriers that will write stand-alone earthquake coverage with higher limits, lower premiums and lower deductibles than the standard California Earthquake Authority program.  Since we are not limited to any one carrier, we can handle all of your insurance needs.  

Business Insurance:

We can handle the insurance needs for any business.  In addition, you will have the opportunity to have a personal evaluation of your insurance program by a professional risk manager, at no additional cost.  We represent several carriers and have very competitive programs, including high-quality low-cost workers’ compensation coverage.

Life and Health:

We offer a full range of life products.  We can obtain quotations from several life insurance carriers so that you can be sure you are getting the best coverage at the most competitive rates.

Give us a call, or stop by and see us.   We are located at 750 Oak Avenue Parkway, Suite 175, right next to the new California Fitness Center.