With over 20 years of experience working with Bay Area businesses, DiNicola is uniquely qualified to help you understand your risks and tailor a program that covers all of your unique needs.

In addition to insurance products, we can also assist with implementing loss control and risk management strategies that will help your business minimize losses and further reduce insurance premiums.

We also provide employee benefits programs to help businesses attract and retain talent. You’ll find choices and flexibility in the plans and products we offer, which is key in today’s benefits environment.

We can help you provide your employees with Consumer-Driven Health Plans; Group Health, Life, Long-Term Care, and Disability; Retirement programs; Voluntary Benefits; and Wellness Programs.

We construct  a comprehensive insurance and risk management program that includes accurate property valuations and niche coverage based on your needs. Our property insurance products cover property, rental income, equipment breakdown, crime, sewer and drain backup, debris removal, valuable papers coverage, accounts receivable, and more. 

For a comprehensive insurance program, we offer: Umbrella and Excess Liability, Directors and Officers (D&O), Errors and Omissions (E&O), Cyber Liability, EPLI, Business Auto and Workers' Compensation policies.

For associations, master policies are available, and, in some cases, you get a package policy that combines the basic multi-peril coverages into one policy.