Protection for everything you've built.
Personal, commercial, benefits, retirement and life coverage built around your risk profile.
Delivered by Modern Era Insurance SolutionsCA License #
Personal Lines
Protection for your home, vehicles, valuables and family.
- Homeowners, condo & renters
- Dwelling fire
- Personal auto & motorcycle
- RV, boat, ATV & golf cart
- Collector vehicles
- Flood & earthquake
- Umbrella liability
- Personal cyber & identity theft
- Valuable articles — jewelry, fine art, instruments
Commercial Lines
Property, liability and specialty coverage for businesses of every size.
- Business owners policy (BOP)
- General liability
- Commercial property
- Commercial auto
- Workers' compensation
- Professional liability
- Directors & officers (D&O)
- Employment practices liability
- Cyber liability
- Crime & surety bonds
- Inland & ocean marine, cargo
- Builders risk & equipment breakdown
- Business interruption
- Pollution, liquor & garage liability
- Commercial flood & earthquake
Industry-Specific Programs
Coverage programs designed for the risks of your sector.
- Construction
- Real estate
- Manufacturing & distribution
- Retail
- Restaurants & hospitality
- Healthcare
- Professional services, law & CPA firms
- Nonprofits, schools & religious organizations
- Technology
- Cannabis
- Transportation
- Agriculture
Employee Benefits
Competitive benefits that help you attract and keep great people.
- Medical, dental & vision
- Life & AD&D
- Short- & long-term disability
- Hospital indemnity & critical illness
- Accident & cancer plans
- HSA, FSA & HRA
- COBRA administration
- Cafeteria (Section 125) plans
- Wellness programs
Retirement Services
Retirement plans for owners and employees, with fiduciary support.
- 401(k), 403(b) & 457(b)
- SEP & SIMPLE IRAs
- Defined benefit & cash balance plans
- Profit sharing
- Executive deferred & nonqualified compensation
- IRA rollovers
- Retirement education
- Investment policy support
- Fiduciary consulting
Life Insurance
Protect your family and your business's continuity.
- Term, whole & universal life
- Indexed & variable universal life
- Final expense & guaranteed issue
- Survivorship life
- Key person insurance
- Buy-sell funding & business continuation
- Executive bonus & split-dollar plans
- Juvenile life & mortgage protection
- Premium financing
Additional Financial Protection
Coverage for income, long-term care and the unexpected.
- Long-term care & hybrid LTC/life
- Disability income
- Business overhead expense
- Buy-out disability
- Annuities — fixed, indexed & variable
- College funding
- Estate liquidity planning
Agency Services
Ongoing service that keeps your coverage right as life and business change.
- Risk assessments
- Coverage reviews & policy audits
- Claims advocacy
- Certificate of insurance management
- Loss control & safety programs
- Carrier marketing & quote comparison
- Renewal management
- Multi-policy packaging
- Business continuity reviews
- Benefits enrollment support
- Estate planning coordination
- Annual reviews
Insurance works best alongside the rest of your advisory team.
Most clients start with one or two practice areas and add the rest as the business grows. Because our practices share one relationship, nothing falls through the cracks.
Accounting & Tax
Bookkeeping, tax, payroll, audit support and outsourced accounting for every type of entity.
- Tax planning, preparation & IRS representation
- Payroll processing & compliance
- Audit & assurance support
- Outsourced accounting department (CAS)
Business Consulting
CFO and business consulting services for strategic growth and financial control.
- Fractional CFO & controller services
- Cash flow forecasting & budgeting
- Board reporting, KPIs & dashboards
- Quarterly performance reviews
Technology
Managed IT, cybersecurity, cloud and technology consulting for modern businesses.
- Managed IT & help desk support
- Cybersecurity & compliance
- Cloud services & business applications
- AI, automation & IT projects
Talk to an advisor about insurance.
We'll review where you stand today and recommend the right mix of services for your business.