Welcome to Elmco Insurance…

Elmco Insurance in Santa Ana, CA provides the best in personal and commercial insurance services.

Since 1958, A Trusted Source for Business & Personal Insurance

E lmco Insurance is a full-service insurance agency in Santa Ana, CA. We operate as both agent and broker for all lines of personal and business insurance. We offer you a complete selection of insurance products in Commercial, Personal, Life, and Health from today’s finest carriers.

Covered California

Our personnel are not only licensed and trained in the field of insurance, we are also dedicated to providing excellence in personal service. Most of our clients have been with us for many years. They trust us with their insurance portfolio and we value their confidence. After all, servicing our clients is what has made our agency one of the most successful in Southern California since 1958. Elmco Insurance is licensed in California, Nevada, Arizona, Texas, Virginia and North Carolina.

Weather you need automobile insurance, life insurance, health insurance, homeowner’s insurance, renter’s insurance, business/commercial insurance, worker’s compensation insurance,special event insurance and hard to find policies. As an indepentant insurance agency, Elmco Insurance can take care of all your insurance needs.

Business and Personal Insurance Coverage Backed By Personal Service. Come by our office in Santa Ana or give us a call today (714) 973-1436


Get an instant life insurance quote right now. Click here. It’s fast and easy to get a no obligation, instant quote online.

 

 

Elmco Insurance in Santa Ana, CA has been providing excellence in insurance services since 1958

Elmco Personal Insurance

We welcome the opportunity to review your current insurance portfolio and make specific recommendations as to enhancing coverages at significant cost savings. There is no cost or obligation to have your insurance reviewed by all the major, insurance companies with just one phone call...(714) 973-1436

Car Insurance

Homeowner's Insurance

 

Renter's Insurance

Health Insurance

Life Insurance

Antiques & Jewelry

Retirement Plans

Motorcycles, Classic Autos

 

Full range of personal insurance

 

We are here to assist with your insurance needs. Call us today at (714) 973-1436.

Get A FREE Quote

Life Insurance

Elmco Insurance is your trusted source for the best in life insurance planning and policies.

Planning for the future can be difficult. Our dedicated team of life insurance professionals understand the life insurance market and regulations and can find the right plan – or mixture of plans – for your specific needs. Our agents are experts on life insurance and can help you streamline the process of selecting a customized life insurance policy.

Elmco Insurance Life Insurance Quote Tool-Compare rates and more (no obligation):

We understand the life insurance market and regulations and can find the right plan – or mixture of plans – for your specific needs.

Term Life Insurance Basics:

Coverage for a “term” or period of your life.
Lower premiums for higher coverage.
Rates can change after specific terms expire.
No equity – cannot be used as cash value.

Whole Life Insurance Basics:

Exactly like it says – permanent, not for a specific period.
Protection carries with you your whole life.
Can build equity and have cash value.
Higher premiums than term life, but can be more valuable in the long run.

Term and Whole Life Combined:

Build lifelong base of whole live coverage.
Supplement specific times of your life with term insurance.

Determining the appropriate type of life insurance can become a difficult and daunting task. Yet the peace of mind you will feel knowing that your beneficiaries are protected if something happens to you is incomparable when you have life insurance. Elmco Insurance will assist you during the selection process.

Our professional agents and staff have achieved many educational and technical designations. They include:

CPCU – Chartered Property Casualty Underwriter

CIC – Certified Insurance Counselor

CLU – Chartered Life Underwriter

ChFC – Chartered Financial Counselor

IIA – Insurance Institute of America

NALU – National Association of Life Underwriter

Contact us today at (714) 973-1436 for all your life insurance needs.

Auto Insurance

Elmco Insurance is committed to providing you with the best coverage on your auto for the lowest possible cost.

We know there are many options available to you and the most important thing for you to do is make sure you are comparing “apples to apples”. We search the best companies to find you the best auto rate for the coverage that best serves your needs.

There are many factors which can affect the type of coverage that is best for your personal or business needs. These factors can also affect the cost of your auto insurance. Our licensed and professional personnel are trained to offer you exceptional service and help you get the best cost for the coverage you need. Types of coverage include:

Auto Insurance – Liability – Bodily Injury/Property Damage. Covers damage that you may cause to other people’s property or bodies in an accident. Minimum limits allowed by the state to satisfy financial responsibility requirements are $15,000 per person (bodily injury), $30,000 per accident (bodily injury), $5,000 property damage.

Auto Insurance – Medical – Sold in increments of thousands. $1,000 (minimum) to $25,000. Covers medical expenses incurred by you and your passengers in an auto accident. Not meant for major medical.

Auto Insurance – Uninsured Motorists – Minimum coverage allowed is $15,000 per person/$30,000 per accident. It is usually sold in the same limits as liability.

It protects you medically in the event of an accident with an uninsured motorist which results in injury to you. You can collect from your own company. This is particularly important in the case of a hit and run driver. You may claim on this coverage if you are injured by an uninsured motorist while driving, while riding a bicycle, or walking.

Auto Insurance – Comprehensive – Covers your own auto for fire, theft, vandalism, flood, wind damage, broken glass, or any property damage not involving a collision. Usually written with a deductible of $50 to $1,000.

Auto Insurance – Collision – Cover your auto involved in a collision (with another car or anything else (i.e. animals, building). Usually written with a deductible of $100 to $1000.

Auto Insurance – Rental Reimbursement – Written on auto policy to cover $15 per day for rental if your auto is in the shop as a result of a collision. Maximum on most policies is 15 days or $300.

For your car insurance for business or personal, contact Elmco Insurance in Santa Ana, CA. We are here to assist you, call (714) 973-1436.

Or go to our contact page and send us a note or FREE insurance quote request.

Business Insurance

Call us at (714)973-1436. Our friendly, knowledgeable staff is available to answer any questions you may have. Or you can visit Elmco Insurance at 1905 North Main Street, Santa Ana, CA 92706

elmco_bowers_museumOur personnel are dedicated to providing prompt, local service with top companies at rates that fit within your budget. We work with employers to effectively control claims and maintain an affordable insurance program.

We welcome the opportunity to review your current insurance portfolio and make specific recommendations as to enhancing coverages at significant cost savings. There is no cost or obligation to have your insurance reviewed by all the major insurance companies.


We have an experienced team of commercial underwriters, producers, risk management and loss control personnel, workers compensation, and claims specialists to assist any size firm with the management of their corporate insurance program. Our clients turn to us to handle their coverages in the following areas:

• Product Liability
• Manufacturers
• Wholesalers
• High Tech Firms
• Computer Consultants
• Software Design – Development
• All Construction Trades
• Apartments
• Printers
• Bars & Restaurants
• Financial Institutions
• Employment Practices Liability
• Retailers
• Property Owners
• Shopping Centers
• National Accounts
• Group Life, Disability & Health
• Errors’ & Omissions (Professional Liabililty)
• Excess & Surplus Line (Difficult Property & Liability)
• Workers’ Compensation
Plus more…

 


A Quick Checklist of 9 Types of Insurance a Small Business Should Have

General Liability Insurance

Every business, even if home-based, needs to have liability insurance.  The policy provides both defense and damages if you, your employees or your products or services cause or are alleged to have caused Bodily Injury or Property Damage to a third party.

Property Insurance

If you own your building or have business personal property, including office equipment, computers, inventory or tools you should consider purchasing a policy that will protect you if you have a fire, vandalism, theft, smoke damage etc.  You may also want to consider business interruption/loss of earning insurance as part of the policy to protect your earnings if the business is unable to operate.

Business Owner's Policy (BOP)

A business owner policy packages all required coverage a business owner would need. Often, BOP’s will include business interruption insurance, property insurance, vehicle coverage, liability insurance, and crime insurance .

Commercial Auto Insurance

 Commercial auto insurance protects a company’s vehicles. You can protect vehicles that carry employees, products or equipment. With commercial auto insurance you can insure your work cars, SUVs, vans and trucks from damage and collisions.

Worker's Compensation

Worker’s compensation provides insurance to employees who are injured on the job. This type of insurance provides wage replacement and medical benefits to those who are injured while working. In exchange for these benefits, the employee gives up his rights to sue his employer for the incident.

Professional Liability Insurance

This type of insurance is also known as Errors and Omissions Insurance. The policy provides defense and damages for failure to or improperly rendering professional services.  Your general liability policy does not provide this protection, so it is important to understand the difference.  

Directors and Officers Insurance

insurance protects the directors and officers of a company against their actions that affect the profitability or operations of the company. If a director or officer of your company, as a direct result of their actions on the job, finds him or herself in a legal situation, this type of insurance can cover costs or damages lost as a result of a lawsuit.

Data Breach

If the business stores sensitive or non-public information about employees or clients on their computers, servers or in paper files they are responsible for protecting that information.  If a breach occurs either electronically or from a paper file a Data Breach policy will provide protection against the loss.

Homeowner’s insurance

Homeowner’s insurance is one of the most important kinds of insurance you need. This type of insurance can protect against damage to the home and against damage to items inside the home. Additionally, this type of insurance may protect you from accidents that happen at home or may have occurred due to actions of your own. 

These are intended to provide general information about business insurance. Call the experts at Elmco Insurance and get further details and a no-obligation quote.

Get A FREE Quote

Elmco also offers the following products for businesses:

  • Commercial Package Policy – including coverage for property, marine, crime, general liability, auto and garage liability.
  • Specialized Policies – property, crime general liability, commercial autos and garage liability.
  • Worker’s Compensation policies.
  • Umbrella policies.
  • Dual Policy Discount – for businesses that place their workers compensation and property casualty coverages with Elmco Insurance.
  • Agriculture Business Coverages.
  • Specialized Coverage – for various type of businesses from our managed programs department.
  • Looking for a special or hard to find policy?

 

About Elmco Insurance

Why Elmco Insurance is a leading independent agency in Southern California

Established in 1958 as a full-service insurance organization, elmco operates as both agent and broker for all lines of personal and business insurance. Our personnel are not only licensed and trained in the field of insurance, they are also dedicated to providing excellence in personal service. A large proportion of our clients have been with us for many years. They trust us with their insurance portfolio and we value their confidence. After all, servicing our clients is what has made our agency one of the most prestigious in Southern California.

Get A FREE Quote


Elmco Insurance Provides A Wide Variety of Products Tailored To Your Needs

  • Automobile
  • Homeowner’s
  • Fire
  • Aviation
  • Boat
  • Life

  • Individual
  • Medical
  • Liability
  • Property
  • Business Interuption
  • Worker’s Compensation

  • Bonds
  • Pension Plans
  • Group Policies
  • Medical
  • Specialty Policies
  • Contractors liability policies

 

Elmco insurance is an expert in commercial insurance, too.

Established in 1958 as a full-service insurance organization, elmco operates as both agent and broker for all lines of commercial insurance,

Our personnel are not only licensed and trained in the field of commercial insurance. A large proportion of our clients have been with us for many years. They trust us with their insurance portfolio and we value their confidence. After all, servicing our clients is what has made our agency one of the most prestigious in Southern California.

Our decades of experience is Contractor’s Liability Insurance can give your business the right protection with the policy.

We offer the following products for businesses:

  • Commercial Package Policy – including coverage for property, marine, crime, general liability, auto and garage liability.
  • Specialized Policies – property, crime general liability, commercial autos and garage liability.
  • Worker’s Compensation policies.
  • Umbrella policies.
  • Dual Policy Discount – for businesses that place their workers compensation and property casualty coverages with Elmco Insurance.
  • Agriculture Business Coverages.
  • Specialized Coverage – for various type of businesses from our managed programs department.
  • Looking for a special or hard to find policy?

Elmco Insurance has you covered.

No matter what kind of business you have, we are experienced in securing the best policy for you. We have decades of experience in the most demanding industries and can put together a program that will serve your business today and into the future.

Customized Programs for all your Insurance Needs

Do you have a special event coming up and are in need of liability coverage?
Elmco insurance can take care of everything in order for your event to have the coverage you need.

 

Important Note: This website provides only a simplified description of coverages and is not a statement of contract. Coverage may not apply in all states. For complete details of coverages, conditions, limits and losses not covered, be sure to read the policy, including all endorsements

 

 

Download Insurance Applications

Application Downloads

These applications are provided for your convenience. If you need any assistance please contact us at (714) 973-1436.

[Link will open in new window or download depending on your browser setup]

 

Blue Shield Individual and Family Health Plans Application

Download Blue Shield.pdf

Computer Technology

Download Errors & Omissions Application.pdf

Contractors Performance Bond

Download Contractors Performance Bond Packet.pdf

Contractors

Download Contractors Questionnaire.pdf

Earthquake Coverage Application

Download Earthquake.pdf

Employment Practices Liability Application

DownloadEPL.pdf

FlexiPlus Five Application

Download FlexiPlus Five.pdf

Habitational

Download Supplimental Questionaire for Property & Liability.pdf

Private Company Protection Plus Application

Download Private Company.pdf

Product Liability Application

Download Product Liability.pdf

Real Estate Claims-Made Professional Liability Insurance Application

Download Real Estate.pdf

Real Estate Professional – Errors and Omissions Policy Application

Download Real Estate E&O.pdf

Social Services Organization Supplemental Application

Download Social Services Supplimental.pdf

Specialty Employment Practices Liability Insurance Application

Download Specialty Employment.pdf

State Compensation Insurance Fund-Supplemental Application

Download SCIF Supplimental.pdf

Workers Compensation Questionnaire and Suppliment Application

Download Workers Compensation Questionnaire.pdf

Workers Comp – Download Everest Suppliment Application.pdf

 

Claim Numbers

If you have a claim, you will receive fastest services by contacting the insurance carrier directly.

Click below for the claim numbers of the companies we represent. If you need anything or our staff can assist you please call us at our office: (714) 973-1436

Provided below are claims phone numbers and website addresses for the fine companies we represent.

AIG

Allied

CIG

CNA

EMC

FIC-Unitrin

First American Specialty

Geovera

Golden Eagle

Hartford-Personal Lines

Hartford-Commercial

Mercury

Progressive

QBE

Safeco

Sequoia

State Fund

Travelers

888.244.6163

P: 800.421.3535 C: 888.508.8622

Claims: 800.986-9974

877.CNA-ASAP 877 (262-2727)

800.432.8422

800.777.4342

800.348.3782

800.859.8734

800.238.3085

800.243.5860

800.327.3636

800.503.3724

800.274.4499

800.777.0078

800.332.3226

866.632.5246

888.222.3211

 800.252.4633

 

Frequently Asked Questions

Frequently Asked Questions

Why do I need insurance?

• Protects your assets against attachment as a result of a court award.
• Provides for cost of defense when you are sued.
• Allows you to purchase such high value items as a car or a home by insuring the collateral on behalf of the financial institution that lent you the money.
• Provides financial security for your family in the event of your death.
• Provides for the health care of you and your family through systematic payments.
• Allows you to save for retirement while deferring interest payments to a time when your income is lower, thus reducing your tax payments.
• Allows you to remain financially solvent when you’re ill and can’t work.

What factors affect the insurance premiums I pay?

• Claims activity including such costs as medical care, auto body repair, construction, legal defense, jury awards, claims adjustment, and insurance fraud.
• Overhead including rent, utilities, employee salaries and benefits, office supplies, equipment, and furniture.
• Investment income.

AUTO INSURANCE

How does where I live affect my premium?

Where you keep your car directly affects your chances of having an accident or becoming a victim of theft or vandalism. The likelihood of encountering these problems increases in larger, more densely populated cities, while such incidents remain relatively low in rural areas.

Additionally, the time and efficiency of police response and law enforcement, local road and traffic conditions, and the quality of local medical services can affect regional insurance rates. Some insurers even factor in the litigation rates in a given area (how many lawsuits are filed, go to trial, out of court settlements, and their amounts).

Do all states require some kind of Liability insurance?

No. Although not every state requires Auto insurance, some have “financial responsibility” laws mandating all drivers to be able to pay for any damage or injury they might cause. However, Liability insurance is still the best way for you to meet your state’s financial responsibility requirements.

By law, all states offer UM and UIM policies, including no-fault states. In fact, some states require all motorists to carry this coverage in order to gain protection from inadequate insurance coverage of other drivers.

How do I keep my insurance company from canceling my policy?

Besides maintaining a clean driving record, consider investing in special safety and security features for your car. If you’ve been in an accident, consider taking a defensive driving course.

What happens when I loan my car to someone? Is that person covered by my policy? Am I still covered?

Yes. Liability and coverage for Physical Damage (i.e. Comprehensive and Collision) always follow your car. Plus, if the driver of your car is insured, his/her policy will also be available to cover the cost of damages and injuries.

The same rules apply when you borrow someone else’s vehicle; your own insurance follows you no matter whose car you’re driving. But the vehicle owner’s policy is the key coverage in the event of an accident.

Am I covered for natural disasters or “Acts of God”?

Comprehensive insurance, which covers you for fire and theft, generally covers you against damage by flood, earthquake, hail, and other natural perils, except when your car is overturned (which is technically considered a collision). If you have specific concerns about the safety of your vehicle in natural disasters, contact us for information on catastrophic coverage.

How can I challenge my insurers if they refuse to cover a claim?

Usually, insurers that refuse to cover a claim have a strong legal reason for doing so — even if you disagree. First, contact us if you feel you’re being treated unfairly. Your agent is your strongest advocate in insurance matters. But if it’s a legal problem, you might have to hire a lawyer.

HOMEOWNERS INSURANCE

Who decides on the type of insurance, the mortgage company or me?

You do. The mortgage company collects a set amount from you each month in order to protect their investment. This money is put in escrow and covers your insurance and taxes. However, the policy is still yours and you might select the insurance you feel offers the best coverage at the best rates.

What exactly does a Homeowner’s policy cover?

“Exact” coverage is impossible to define because there are different policies and about 900 insurance companies writing Property/Casualty business in the United States. However, 80% of Homeowners policies are based on a standard form. All Homeowners policies cover two important areas: Property and Liability.

Property insurance covers your structures and possessions. Personal Liability, as its name implies, means you’re legally obligated to pay money to another person for actions caused by you, your family, or your property. That liability extends to medical payments to others for injuries caused by you or your family.

Are floods, earthquakes, and other natural disasters covered?

Most catastrophes are covered. Flood and earthquake damage, however, are not covered by a standard policy and both perils are more common than many people realize. We can advise you on such normally excluded conditions as floods and earthquakes.

Are there exclusions I should know about?

Exclusions listed and defined in your policy might include neglect, intentional loss, “earth movement,” general power failure, and even damage caused by war. If you fail to take care of your property (e.g., a leaky roof), you might not be covered. Obviously, if you intend to lose an object or damage your property, there’s no coverage.

One other exclusion that can be costly is the Ordinance or Law exclusion. Building codes established by governmental bodies that drive up the cost of rebuilding or repairing after a loss occurs might not be covered by your insurance policy. Thus, if you discover when replacing damaged property that current law demands higher grade or more expensive materials than those you’re replacing, the new materials might not be covered fully.

RENTERS INSURANCE

How expensive is renter’s insurance?

Renter’s insurance is typically available for as little as $100 a year.

Does my landlord’s insurance protect me?

Generally, no. The property owner’s insurance covers the building itself and seldom a tenant’s possessions or liability. Clarify this with your landlord before signing a lease.

BUSINESS INSURANCE

I’m just getting my business started. Do I need insurance immediately?

Yes. Your chance of suffering a loss begins with the first day of business. If you suffer a loss and have no insurance or have improper or insufficient coverage, your insurance agent can do little, if anything, to help you.

Also, many states and local jurisdictions require businesses to have insurance to begin operating. And if you rent space for your business, your landlord probably requires you to obtain adequate insurance.

I don’t have any major business assets. Why do I need insurance?

Every business has some property. When you think about it, your business is your property. Just like your home and your car, your business needs to be protected from loss, damage, and liability. In addition, your business is your source of income, so you need protection from the potential loss of that income.

Does insurance coverage vary for different businesses?

It can. Many small businesses opt for package policies that cover the major Property and Liability exposures as well as for a loss of income. A common package policy used by many small businesses is called the Business Owners Policy (BOP).

Generally, BOPs provide more complete coverage at a lower price than separate policies for each type of insurance needed. We can help you decide which policy or policies are right for your business. You can also purchase additional coverage for perils or conditions otherwise excluded (e.g., flood protection) as endorsements to a standard policy or as a separate, second policy called a Difference in Conditions (DIC) policy.

We can advise you of the best policy (or policies) to protect you and your business.
Important Note: This website provides only a simplified description of coverages and is not a statement of contract. Coverage may not apply in all states. For complete details of coverages, conditions, limits and losses not covered, be sure to read the policy, including all endorsements.

Elmco Staff

Committed to providing the best customer service to our valued clients.

Jamie Richardson
Jamie Richardson

Jamie Richardson

714.973.1436
Extension 112

Jennifer Hanson
Jennifer Hanson

Jennifer Hanson

714.973.1436
Extension 115

Erin Walsh
Erin Walsh

Erin Walsh

714.973.1436
Extension 111

Teresa Zamora
Teresa Zamora

Teresa Zamora

714.973.1436
Extension 113

Shane Schneider
Shane Schneider

Shane Schneider

714.973.1436
Extension 117

Steve Younglove, ARM
Steve Younglove, ARM

Steve Younglove, ARM

714.973.1436
Extension 110

Dave Walsh, CPCU
Dave Walsh, CPCU

Dave Walsh, CPCU

714.973.1436
Extension 120

Tom Meadows
Tom Meadows

Tom Meadows

President

714.973.1436
Extension 124

Dave Tolbert
Dave Tolbert

Dave Tolbert

Affiliated Agents and Brokers

714.973.1436
Extension 119

Ed German, CLU
Ed German, CLU

Ed German, CLU

Affiliated Agents and Brokers

714.973.1436
Extension 121

Scott Laidlaw
Scott Laidlaw

Scott Laidlaw

Affiliated Agents and Brokers

714.973.1436

Dominic Daddario
Dominic Daddario

Dominic Daddario

Affiliated Agents and Brokers

714.973.1436

Jamie Richardson

Jamie Richardson

714.973.1436
Extension 112

Jennifer Hanson

Jennifer Hanson

714.973.1436
Extension 115

Erin Walsh

Erin Walsh

714.973.1436
Extension 111

Teresa Zamora

Teresa Zamora

714.973.1436
Extension 113

Shane Schneider

Shane Schneider

714.973.1436
Extension 117

Steve Younglove, ARM

Steve Younglove, ARM

714.973.1436
Extension 110

Dave Walsh, CPCU

Dave Walsh, CPCU

714.973.1436
Extension 120

Tom Meadows

Tom Meadows

President

714.973.1436
Extension 124

Dave Tolbert

Dave Tolbert

Affiliated Agents and Brokers

714.973.1436
Extension 119

Ed German, CLU

Ed German, CLU

Affiliated Agents and Brokers

714.973.1436
Extension 121

Scott Laidlaw

Scott Laidlaw

Affiliated Agents and Brokers

714.973.1436

Dominic Daddario

Dominic Daddario

Affiliated Agents and Brokers

714.973.1436

Elmco Insurance in Santa Ana, CA since 1958

Big or small, we’ve got insurance solutions when you need it. Our advanced service and competitive pricing gives you an advantage for both your personal and commercial insurance needs. Call us today.