“Our success is measured not by the assertions we make, but by the results we bring.”

President and CEO

A Delighted Client

“You’ve always made yourself available to meet with me at a moment’s notice, taken my urgent calls to answer questions, and have always surprised me with reduced renewal premiums.”

Kevin Bianchini
Bianchini Markets and Foodville Markets


Please consider this an invitation to contact:
Jim Carter, CPCU
Area President
email: .

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Our appetite for the food industry

Our commitment and dedication to the independent retail grocer stretches back to 1970. We’ve always admired your entrepreneurial spirit. And, we’re proud to have earned the endorsement of two grocer associations: Raise the Bar and the California Independent Grocers Association.

Over the past four decades, we’ve developed a very keen sensitivity to the needs of the grocer business owner. In fact, our understanding is so deep that we built a specific insurance program for grocers that is currently provided by a major California insurer.

We have a team of experts ready to help you with novel solutions that reduce excessive premiums and identify weaknesses in your current program.


Our business plan is built around an expertise in very specific niches. When you combine this know-how with the fact we have more professional designations per employee than any other insurance broker in California, our intellectual capital becomes something to reckon with.

Our genuine appreciation for people and our limitless passion to be the best in our business is a rather powerful motivator in the relationships we enjoy with our clients. It’s a commitment to be a “trusted adviser” rather than simply another vendor selling insurance products.

Partial Sampling of Client-valued Services

  • A trademarked approach, the Risk Reduction Approach™
  • A trademarked approach, the Total Benefits Approach™
  • A trademarked approach, WC That Works ™
  • Truly unique intellectual capital for the retail grocer
  • Tactical marketing to insurance companies that specialize in the food industry
  • Risk Management program design and analysis
  • In-house claims division to “police” insurance companies adjusters
  • Aggressive claim management leading to fair and equitable settlements
  • Proven processes to drive experience modification factors down to their lowest low
  • Strategic management of the “open claims” review process
  • Fraudulent claim identification and tracking procedures
  • Safety program development and execution
  • Consultative reviews of contracts and leases
  • Facility surveys for hazard identification
  • Development and implementation of innovative loss control programs
  • Development and implementation of return-to-work programs
  • Class code re-assignment analysis
  • Educational seminars
  • Cal-OSHA compliance audits
  • Industry benchmarking
  • Fleet safety programs
  • Ergonomic programs
  • Legislative advocacy
  • Calendar of commitments
  • International expertise

Marketing Strategies

We are very deliberate in the processes we employ to negotiate the most competitive pricing an insurance company is postured to offer for each and every one of the policies we bring to you. Accomplishing this challenging outcome is part art, part science, part initiative, and all part of our trademarked approach, The Risk Reduction Approach™. Our “top of the stack” submissions, the processes we have perfected over the past five decades, our relentless commitment to excellence… all come together to bring you unmatchable outcomes.