Santa Rosa Insurance Brokers

THE RIGHT COVERAGE AT THE RIGHT PRICE

When Life Takes Unexpected Turns, Will You Be Prepared?

Pronoeo Helps You Protect:

Your Business

Business Liability, Business Property, Workers Comp, E&O Insurance, Key Person Insurance, Buy/Sell Agreement Funding, Employee Benefits

• Running a business is a complex puzzle.  On top of providing a product or service, you have to comply with regulations and make sure to mitigate potential hazards like lawsuits: customers slip and fall; employees getting injured while working; costly mistakes being made, etc.  It seems like there is a lawsuit waiting around every corner.  Complying with regulations can get expensive.  That is why we shop around for the best product at the best price – to help you stay in compliance and stay within your budget.  Start here to see where we can help you.

You and Your Loved Ones

Health, Vision & Dental Insurance:

• Whether you are an individual or a business owner with many employees, we can help you through the maze of the Affordable Care Act.  We are Certified with Covered CA, as well as appointed to work directly with the individual carriers.
• Click here to see how health care reform may affect you
• Individual health plan open enrollment starts in November. See our Health Coverage page to learn more.

Your Assets

Life, Disability & Critical Care Insurance:

• What happens to you, your loved ones, your home, or your business if you suddenly are not able to bring home a paycheck?  Whether it is a family history of disease or an unexpected car accident, having a sudden change in circumstances not only affects you, but those who rely on you.  Having the right coverage to make sure things don’t fall apart without you is wise planning.  Click here for more information.

Future Planning

Supplemental Medicare, Annuities, Long-Term Care Insurance

• We all want to get to the point where we can retire and enjoy all that life has to offer.  Having enough money to live on, having the right medical insurance to keep you healthy, and having a care plan for later on can help you enjoy your “golden years” without stressing you or your loved ones.

Everyday Encounters

• Have you ever been dealt with unfairly?  Perhaps by a retailer, or a neighbor, or your boss?  Have you ever had your identity stolen?  What about those contracts that the telephone companies and cable companies have you sign – do you really know what they say?  Have you ever purchased a car or a home?  Do you really read those contracts and know the fine print?  Having the right protection in place can save you thousands of dollars in attorneys fees, not to mention hundreds of hours of your time trying to deal with it.

When you’re in a foreign country, it helps to have a guide who knows the language.The field of insurance can seem like a foreign country, with strange words and confusing directions. We speak the language. We’ll translate for you.

We help you:

• sort through all the confusing options
• understand what you need AND what you don’t need
• make informed decisions that will be right for you, your family, and your business

DON’T LET CIRCUMSTANCES RUIN YOU FINANCIALLY

Locally-owned agency. Small agency, big services. There’s a real person available to talk to you on the spot or call you right back.

WE WORK FOR YOU, NOT FOR THE INSURANCE COMPANIES.

• Unlike a captive agent, we are not obligated to sell a parent company’s products and convince you that you need what we have.  We are an independent agency, which means that we do not have a parent company.  We have access to a large number of insurance companies, so we are able to shop around for you and find which policy fits your needs.  Our goal is to get you the right insurance at the best price.