No under coverage. No over-pricing.
Hey you, take a good look at this MATURE face: Working as a top commercial
insurance broker for 30 years has added this much grey, would you rather have
a good looking spring chicken, or someone with seasoning, protecting your
business? I have been a business owner myself, from startup to board level at
various organizations. My understanding about how a business operates allows
me to best customize insurance coverage for you. No under coverage. No
over-pricing. More than an insurance policy, you get decades of business
experience and wisdom.
I’m Rick Callaway. I am one of the principals at Pacific Diversified Insurance.
Pacific Diversified has been in commercial insurance services since 1906.
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.
• “Rick’s team saves my HOA over 30% of insurance cost for the year.” –
• “Rick is more a business adviser than a vendor. I know we won’t be
oversold or overpriced.” Jay.
We offer these types of insurance: Cyber liability, General Liability, Property,
Workers Compensation, Equipment breakdown, Income protection,
Professional E&O, D&O, etc.
Do you know the difference between a “broker” and an “agent”? An agent
represents only one insurance company, that’s why they are called “CAPTIVE”
agents. We are brokers, we can access many insurance companies to get you
the best value. We serve YOU.
We are the extra milers:
Many brokers just look at existing policies and quote, without investigating the
potential risks. I look into balance sheets in a hands-on fashion with the owner,
and physically check the properties myself, while keeping your information
confidential. Next I strategize with the owner to protect assets such as
buildings, income and equipment, always at the best possible premium without
We go the extra mile to resolve claims quickly, to minimize downtime, and
avoid lost revenue. We work with the claims adjusters and the insurance
companies 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.
We are different: We do not quote unless we first have a complete
understanding of your business. Quoting a policy is one thing. Understanding
your business is another.
Decades of business experience qualify us to be the true extra milers. More
than just insurance experts, we are your long term business partners, trusted
advisors and friends, protecting employers, employees, and business assets.
We bridge the communication to insurance underwriters for them to understand
your circumstances. We present your business in the best possible light.
For example, a building owner was refinancing a $20 million property. The
bank was asking for much higher insurance coverage than currently in place. I
stepped in, and persuaded the bank with my own financial analysis, showing
that their existing coverage was adequate. The bank dropped their requirement.
I saved the client $16,000.
Cyber liability insurance: A business was selling products over the internet.
Some purchases were not authorized by the card holders, although approved by
a 3rd party processing company. Fortunately, because we protected the
business with cyber liability insurance, their losses were covered.
A senior living facility had 7 locations, insured by 7 brokers with 7 policies. By
analyzing the business and the policies, we combined all into one policy,
The amount of premium you pay for a tailor-made policy reflects many factors,
such as the market conditions, locations, age of properties, business specialties,
history of accidents, etc.
These are my parents back in the 80’s. My father was a commercial insurance
broker all of his life. He taught my brother and I the importance of taking great
care of our clients.
If you are looking for a true expert who cares about your success in the long
term, then let’s talk:
Phone: (925) 788-5558,