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Why more people choose Universal 1st

Business Products

Business Owner & Employer

• Owners & Officers Policies
• Worker’s Compensation / General Liability
• Professional Liability / Errors & Omissions

Liability & Loss

• Excess Liability & General Liability
• Loss Control & Risk Management

Specialty Insurance Services

• Group Plans
• Surety Bonds

Universal 1st Business Products

Protect Your Business Assets with Insurance Products at Universal 1st

Business is full of risk, but don’t let that spoil the fun! As much of what we do, there is risk involved. We like to live in a beautiful region, but with that beauty comes the risk of earthquakes, fires, and other natural disasters. We drive our cars daily knowing we may be involved in an accident.  And we own homes, rent apartments, and, of course, there are risks with ownership.  But while we can’t and maybe don’t want to live in a risk-free world, insurance gives us the financial protection required when tragedy strikes.

Health insurance provides for financial assistance not only when we are sick and hospitalized, but for dental and vision care too. With the new Affordable Care Act, it may seem that we are all automatically covered against any illness, but that is not the case. The ACA does allow individuals to buy insurance at very reduced rates, but companies can still provide health insurance benefits to their employees and families can still benefit from dental and vision insurance. It’s less expensive than you think to obtain financial protection.

Insurance is financial protection against unexpected events

Vehicle insurance protects you in the event of car, boat, or motorcycle accident. California law requires all vehicles to be adequately insured. Life insurance gives your family financial protection in the event of key parties death. This sounds terrible, and it is very difficult to talk about what happens when one of your family dies, but these kinds of questions are much easier to discuss and plan for than you think.

People avoid talking about life insurance but it is extremely important to have these discussion even if you decide against purchasing life insurance.

Own a home? You must be insured. Homeowners insurance seems easy, but it is a question of the value of your home, the items inside, and the cost if you should need to move out while repairs are made. We can help.

Our Carriers

Service is the Priority

Insurance is more than a policy. It is the right policy design for your needs and your requirements. And it requires frequent assessment for updates and changes required to maintain adequate coverage.

Time Matters

Your time is valuable. And everybody is on a tight schedule. So, while insurance requires an assessment of your needs, with our expertise, we can get the required information quickly.


When insurance issue arise, we make sure all matters are handled correctly, professionally and promptly. Whether you have questions on your coverage and need assistance with a claim, one call to our office and we’ll address it immediately.

Claims Processing Made Easy

Most claims can be processed directly with the carrier but for those occasions when you do not receive the expected level of service, call us. We’ll step-in.