We are the extra milers.
We look out for you.
Protecting property owners for over 100 years.
No under coverage. No over-pricing.
More than an insurance policy, you get decades of business experience and wisdom. Our team is headquartered in California. We insure commercial real estate, such as office buildings, apartments, multi-family dwellings, senior living facilities, homeowner associations, warehouses, and restaurants. We offer these types of insurance: Cyber liability, General Liability, Property, Workers Compensation, Equipment breakdown, Income protection, Professional E&O, D&O, etc.
Whom Do We Serve - We Specialize in Insuring Independent Property Owners of These Types of Properties:
Multi-Family and Apartment Landlords
- Duplex
- Triplex
- Multi Units
- Townhouses
- Apartments
Senior Care Facilities
- Residential-Turned Nursing Homes
- Skilled Nursing, Convalescent Facilities
- Senior Living Communities
Commercial Property Owners
- Restaurants
- Offices
- Warehouses
- Multi-Use Buildings
- Rehabilitation Centers
- Non-Profit Organizations
Owner Associations
- Residential Homeowners Associations
- Apartment Buildings Associations
- Office Buildings Associations
- Commercial Properties Associations
Property Insurance Policy for Your Protection
Business Property
Office buildings | Multi-family dwellings | Apartments | Senior living facilities | Industrial properties | HOA’s (Homeowners Associations) | Property Managers Restaurants | Nightclubs, multi-usage buildings | Equipment breakdown | Loss of Income protection | Company vehicles | Fire burglary | Theft | Flood | Earthquake | Sewer Backup | Pipe Bursting | Weather Damages
Our Partners
Real estate brokers | mortgage bankers and brokers | loan officers | bankers | property appraisers | property managers | real estate lawyers | employment attorneys | business, corporate, and commercial litigation lawyers | CPAs, accountants | IT firms and professionals | other business consultants, advisors and coaches
Management Liability – E&O, D&O, EPLI
Association Managers | Startups of all kinds | Property Management Firms | Lawyers | Accountants | CPAs | Doctors | Dentists | Consultants | Other professionals
General Liability
Bodily injury | Personal injury | Derogatory comments (slander, defamation) | Trips and falls | Negligence | Lawsuits | Property damages incurred by 3 parties | Product liability
Workers Compensation
Claims management | Experience modification (ex-mod) | Loss control | Classification
Cyber Liability
Employee and internal risks | Malware | Ransomware | Hacking | Phishing | IT breach | Incident management
Protect Businesses with Customized Coverage
My name is Rick Callaway. For 30 years, with a team of professionals, we have been giving business owners peace of mind by taking care of ALL insurance needs, with appropriate coverage at the proper price.
As a business owner myself, I know how much time and attention it takes to keep a business going. Insurance is usually the last thing you wish to handle. I don’t blame you.
We are dedicated to our customers.
As your broker, we have access to a variety of insurance companies in order to get you the best value. We are not a captive agent serving only one insurance company. We serve YOU. We present your business in the best possible light. We customize your insurance coverage. We don’t just give you a quote, we give you decades of insight, wisdom, and business experience.
We insure commercial real estate such as office buildings, apartments, multi-family dwellings, senior living facilities, nursing homes, senior day care centers, homeowner associations, warehouse, and restaurants.
Types of Insurance include Cyber liability, General Liability, Property, Workers Compensation, Equipment breakdown, Income protection, Business Insurance Professional E & O (Errors & Omissions,) etc.
Stories of the Extra milers
Once, a business owner called me midnight on Sunday, to get coverage for a new restaurant opening the next day 6pm. We contacted the insurance carrier early Monday, and negotiated coverage and cost, all before 6pm. He was completely protected the moment he opened the door.
A seller was selling products over the internet. Some purchases were not authorized by the card holders, although approved by a 3rd party processing company which had absolved itself of all liabilities by a prior contract with the selling company. Fortunately, cyber liability insurance the seller had purchased from us covered all the losses. They were grateful for the protection.
We go extra miles to resolve claims quickly to minimize downtime and avoid lost revenue. We work with the claims adjuster and the insurance company as your advocate to get your business back in operation. We help injured workers, step by step, from hospital visits to paperwork, so they can get back to work ASAP.
Testimonials
“Rick’s team saves my HOA over 30% of insurance cost for the year.
– Tony
“Reliable. Fair. Straightforward.
– Susan
“Rick is more a business adviser than a vendor. I know we won’t be oversold or overpriced.
– Jay
How We Protect You:
Do you need insurance?
With/without insurance: How much it will cost you, and how much it will save you?
Get you the best deal:
No undercoverage, no overpricing. We leave no stones unturned, to match the best value from the most fitting policy, to protect your business.
Claim Processing:
With expertise and efficiency, we minimize your claims’ cost.
News & Events
Stay up to date on our latest articles, press releases, and what we are doing serve and bring change to our community.
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Contact Us: RCallaway@pdins.com, 925-686-2860 Ext. 4120
Pacific Diversified Insurance:
363 Civic Drive Suite 100
Pleasant Hill, CA 94523
South Bay Location:
15005 Concord Circle Suite 110
Morgan Hill, CA 95037
San Diego Location:
900 Highland Dr. Ste. 110
C. Solana Beach, CA 92075
Sacramento Location:
2775 Cottage Way, Suite 21
C. Sacramento, CA 95825