(949) 347-9909 San Clemente, CA

Google Reviews

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Adam Wood

I have been using Tod Bearbower for over 15 years for both business and personal policies. Tod and Gina are the only agents I will use as I know I am getting the RIGHT policy and the BEST policy possible, along with the service when I need it.
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Giovanni P

Tod and Gina are the best. We were shopping around for quotes and as a small business we were looking for another local family owned small business to support in our community.

Tod beat all the other quotes and we really felt he was working alongside us each step in setting up our general liability policy. It was completed very quickly and truly professional. That was a stress free pleasant interaction to get our policy set up and we knew we made the right choice of our new agency.

As we apply for new plumbing accounts, projects and contracts, additional documents are needed for each new account. Gina has been working to get these documents prepared fast and accurately. Some of these contracts require special verbiage and modifications that are unique to each. Let me tell you Gina is fantastic ! She makes things happen. Over the years things that take a long time she does with ease. When a super specific thing needs to be completed she just makes it happen. No stress, no problems, she communicates and gets things done.

Bearbower is truly professional, efficient, honest and are a great partner to have in business,
Photo of Leah Glenn

Leah Glenn

I have always received extraordinary service from Bearbower Insurance Services. This company goes above and beyond; and will answer all of my questions and take care of all items in a timely manner.
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Dave Contreras

Great for small businesses and tech startups
Photo of ed stadelman

ed stadelman

great service and fast response

Welcome to Bearbower Insurance Services, LLC

Happy Family

We are an Independent Insurance Agency, which means we have made available some of the best companies for your online quick quotes.

We service the  areas, and throughout the state of CA. At Bearbower Insurance Services, LLC each one of our clients are given a dedicated team of professionals that work together to proficiently address all your concerns.

We offer all types of Personal Insurance coverages to our clients in CA, including AutoHomeMotorcycleBoat & WatercraftFlood Insurance, and Life Insurance.

Give one of our agents a call to save money on your business insurance. Some of our Commercial insurance coverages include Business Owners Packages (BOP), General Liability, Commercial Auto, Commercial Real Estate Insurance, and Contractors Insurance

Let us help you cut your insurance cost! Just give us a quick call today at 949-347-9909 or submit one of our quick online quote forms - with the help of our dedicated business partners; we conveniently offer an entire solution for all your personal and business insurance needs.

Why Our Agency is the Ideal Choice

Friendly Customer Service

Bearbower Insurance Services, LLC is renowned for treating clients like family with our genuinely friendly customer service. Our team excels in offering personalized, clear guidance, making insurance approachable. We prioritize understanding and addressing client needs with warmth and patience. 

Experience and Knowledge

The Bearbower Insurance Services, LLC in  transforms your insurance journey with unmatched expertise and experience. Our dedicated team simplifies complex choices, ensuring personalized coverage that fits your unique needs, with the assurance of our long-standing industry knowledge and commitment to excellence. 

Securing the Best Rates

At Bearbower Insurance Services, LLC, we tirelessly shop for the most competitive insurance rates, ensuring you get the best value without compromising on coverage. Our relentless pursuit is to find optimal, customized solutions that align with your budget and needs, while delivering peace of mind.

Liberty Mutual
The Hartford