With more than 60 years in business, Beach & O'Neill Insurance Associates has grown alongside the Sacramento region. We were listed as the 6th largest local property and casualty brokerage firm in the area by the Sacramento Business Journal in 2017, and as one of the fastest growing brokerage firms in the region. When Bob Beach started servicing personal and business insurance customers in Fair Oaks, CA in 1947, he relied on a single employee, his wife, and word of mouth from satisfied customers to grow his company.
Today, Beach & O'Neill Insurance Associates prides itself on providing that same personal service. Through word of mouth, client referrals, and reputable experience in our industry, the company has come a long way growing to over 50 employees and handling millions of dollars in premiums for business and personal clients all across California and Nevada.
Beach & O'Neill Insurance Associates became an Acrisure agency partner in 2017. This partnership has greatly expanded our reach and influence and provides access to new exciting products and services that benefit our clients.
Today, Beach & O'Neill Insurance Associates prides itself on providing that same personal service. Through word of mouth, client referrals, and reputable experience in our industry, the company has come a long way growing to over 50 employees and handling millions of dollars in premiums for business and personal clients all across California and Nevada.
Beach & O'Neill Insurance Associates became an Acrisure agency partner in 2017. This partnership has greatly expanded our reach and influence and provides access to new exciting products and services that benefit our clients.
Services
Whether you specialize in commercial construction or residential construction, we have the right contractor's general liability insurance coverage to protect you from the risks specific to your operations.
With our detailed knowledge of construction insurance, and large selection of quality insurance carriers to choose from, we can help you find the best solution for your general liability needs.
When you want to protect your construction business from the threat of lawsuits arising from third-party bodily injury and property damage claims, you need general liability insurance you can count on.
With our detailed knowledge of construction insurance, and large selection of quality insurance carriers to choose from, we can help you find the best solution for your general liability needs.
When you want to protect your construction business from the threat of lawsuits arising from third-party bodily injury and property damage claims, you need general liability insurance you can count on.
Beach & O'Neill Insurance Associates offers exclusive access to some of the most popular WRAP products offered in California and Nevada.
WRAP insurance can fall under the definition of either being an Owner Controlled Insurance Program (OCIP) or Contractor Controlled Insurance Program (CCIP).
Under a WRAP policy generally the developer of a project, or general contractor, takes out a project specific policy to cover all subcontractors on one master policy which includes both premises liability and product completed operations coverage.
WRAP insurance can fall under the definition of either being an Owner Controlled Insurance Program (OCIP) or Contractor Controlled Insurance Program (CCIP).
Under a WRAP policy generally the developer of a project, or general contractor, takes out a project specific policy to cover all subcontractors on one master policy which includes both premises liability and product completed operations coverage.
Beach & O'Neill Insurance Associates is one of the largest workers' compensation brokerage firms in Northern California.
We represent leading workers' compensation carriers in CA and NV including many of the most preferred markets in the industry.
In addition to our standard market offerings, we also represent the State Fund and alternative markets like Professional Employer Organizations (PEO's).
We can assist you in understanding the differences between standard carrier workers' compensation offerings and products marketed regionally and nationally by alternative markets like PEO's.
We represent leading workers' compensation carriers in CA and NV including many of the most preferred markets in the industry.
In addition to our standard market offerings, we also represent the State Fund and alternative markets like Professional Employer Organizations (PEO's).
We can assist you in understanding the differences between standard carrier workers' compensation offerings and products marketed regionally and nationally by alternative markets like PEO's.
When you want to protect your construction vehicles from the risks of the road, commercial auto is the answer.
From the personal vehicles that double as work trucks, to entire fleets of autos driven by your employees, we can help you find the right coverage for your commercial auto exposure.
Is it a personal vehicle or a work vehicle?
For many contractors, subcontractors, and skilled tradespersons, the answer may often be "both."
But if you are relying on your personal auto policy to cover the car, truck, van, or SUV that you use for your construction business, you may be leaving yourself exposed.
From the personal vehicles that double as work trucks, to entire fleets of autos driven by your employees, we can help you find the right coverage for your commercial auto exposure.
Is it a personal vehicle or a work vehicle?
For many contractors, subcontractors, and skilled tradespersons, the answer may often be "both."
But if you are relying on your personal auto policy to cover the car, truck, van, or SUV that you use for your construction business, you may be leaving yourself exposed.
Umbrella insurance provides additional liability insurance limits over your scheduled contractor insurance policies.
This can protect you against large claims that may exceed your underlying general liability, employer's liability or auto policy limits.
Umbrella insurance can also provide protection for "gaps" in coverage.
For example, if the underlying policy has an exclusion, but the umbrella does not, the umbrella may drop down and pick up a loss on a primary basis.
Excess Liability is similar in intent to umbrella coverage in that it also serves to increase your limits of liability with the distinction that it is often referred to as "following form."
This can protect you against large claims that may exceed your underlying general liability, employer's liability or auto policy limits.
Umbrella insurance can also provide protection for "gaps" in coverage.
For example, if the underlying policy has an exclusion, but the umbrella does not, the umbrella may drop down and pick up a loss on a primary basis.
Excess Liability is similar in intent to umbrella coverage in that it also serves to increase your limits of liability with the distinction that it is often referred to as "following form."
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