Coverage Built for Complex Risks

Specializing in Insurance for Hotels, Hospitals, and Luxury Estates

Experts in Builder’s Risk coverage for high-value properties, including luxury homes exceeding $250 million.

Coverage Built for Complex Risks

Specializing in Insurance for Hotels, Hospitals, and Luxury Estates

Experts in Builder’s Risk coverage for high-value properties, including luxury homes exceeding $250 million.

Where We Deliver the Most Value

We focus on helping businesses, contractors, and property owners navigate complex exposures with confidence. Our expertise is centered on the areas where specialized knowledge can make the greatest difference.

Commercial Insurance

Commercial Insurance

Comprehensive coverage solutions for businesses across a range of industries.

Contractors Insurance

Contractors Insurance

Protection tailored to contractors, construction firms, and project-based operations.

Buildings & Property Insurance

Buildings & Property Insurance

Coverage strategies for commercial buildings, apartment properties, and real estate investments.

Workers' Compensation

Workers' Compensation

Solutions that support employee protection and regulatory compliance.

Home & Auto

Complex Risks

Customized insurance programs for unique, high-value, or hard-to-place exposures.

Expertise That Goes Beyond the Policy

Insurance is more than checking a box—it's about protecting your business, property, and future with confidence. Serving clients throughout California, we focus on delivering responsive service, knowledgeable guidance, and coverage strategies tailored to complex risks.

Specialists Who Understand Your Industry

Our team is structured around specialized areas of insurance, allowing you to work with professionals who understand the unique challenges of your industry. From contractors and commercial property owners to businesses with evolving risk exposures, we provide informed recommendations, strong carrier relationships, and solutions designed to keep you protected.

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Experience, Expertise, and Trusted Protection

15+ Years of Experience

15+ Years of Experience

 Specialized Departments

Specialized Departments

Commercial & <br>Personal Coverage

Commercial &
Personal Coverage

 Fast Response Times

Fast Response Times

Hundreds of <br>Satisfied Clients

Hundreds of
Satisfied Clients

Trusted by Hundreds of California Clients

Cherie S.

Teddy Zach, when it came to my insurance needs, he was very helpful and informative. He was able to compare prices from various insurance companies, and they're happy to help me explain the differences. For anyone who needs some kind of insurance, I would recommend the Zach Insurance Agency!

Joanne N.

When I first signed up for Farmers' Insurance, I had the pleasure of working with Teddy, who’s amazing. He’s very qualified and competent. The procedure was very quick to get the insurance policy of the owner. He is also very helpful and allows me to manage my monthly payment by phone. Please keep up with the excellent work in this office. If I had the option, this location would have received 10 stars from me!

Paul Y.

Teddy was so helpful in finding me the best policy. I saved a lot of money, and he was thorough in going over everything with me. He is very genuine and trustworthy!

Tim B.

Teddy was great at getting me the best Farmers’ Insurance coverage possible and at the best cost. He saved me $$$ from my last Insurance Carrier once he compared the policies. He is extremely thorough and knows his stuff!!! The customer service in this office is exceptional!

Sennette B.

Teddy is the most incredible insurance agent! He has educated me and helped me understand all of my policies. If you are looking for an agent who will work for you and you're tired of talking to automated phone systems, call Teddy Zach!

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Discuss Your Coverage Needs With Our Team

Whether you're seeking protection for a construction business, commercial property, apartment portfolio, workforce, or other complex exposure, we're here to help. Reach out to discuss your insurance needs, request a coverage review, or get answers from experienced professionals who understand your risks.