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Why more people choose Universal 1st

Universal1st - Leader in Customer Service

Established in 1989, Universal 1st Insurance Services is an insurance agency and a brokerage firm that specializes in personal, commercial, life, and health insurance products and services.

We pride ourselves on the ability to offer quality coverage at competitive rates. Personal commitment, integrity, and experience are what Universal 1st is built on. With our customers’ protection in mind, we deal only with reputable carriers. Since we are not tied to one company for our commissions, we act independently in our clients’ best interest. We analyze customers’ needs, make a cost comparison, and recommend the best company and coverage for their specific needs and objectives with no obligation. Universal 1st We are proud to boast a client list that exceeds 5000 businesses and individuals throughout California. We embrace diversity and serve the needs of our multi-lingual clients by communicating in various languages. Universal 1st Insurance Services prides itself on offering a vast variety of insurance products and other financial services for business and personal risk management.

Protect All Your Assets with Insurance Products at Universal 1st

Business Products

• Auto Liability
• Hired and Non Owned Auto Liability
• General Liability
• Building Coverage
• Business Personal Property
• Workers Compensation
• EPLI-Employment Practices Liability
• D&O-Directors and Office
• Earthquake
• Excess Liability
• Professional Liability
• Errors and Omissions
• Cyber Liability
• Data Breach
• Business Income
• Inland Marine/Cargo
• Physical Damage
• Commercial Umbrella
• Garage Keepers Legal Liability
• Surety bonds

Personal Products

• Auto, Motorcycle, and RV
• Homeowners Insurance
• Condo Insurance
• Renters Insurance
• Earthquake Insurance
• Flood
• Tenant Occupied Dwelling
• Earthquake
• Renters
• Tenant Occupied Dwelling
• Umbrella
• Boat
• Motorcycle
• Recreation Vehicle (RV)

Life and Health

• Term Life Insurance
• Universal Life Insurance
• Whole Life
• Long Term Care Insurance
• Disability Insurance
• Health Insurance
• Dental
• Vision

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 arises, we make sure all matters are handled correctly, professionally and promptly. Whether you have questions about 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.