Business Details
8 Years
experience
Your Trusted Insurance Partner in Eureka, CA
Six Rivers Insurance Services was founded in 2018 by Eric Mikolai to address the need for high-quality insurance representation on California's North Coast. Our agency specializes in comprehensive business and personal insurance solutions, serving clients from handymen to large commercial fleet operators. With over 15 years of industry experience, including a rigorous training program at Federated Mutual Insurance Company, Eric brings deep expertise in property, liability, workers' compensation, and commercial auto insurance.We focus on customizing coverage to meet individual client needs while maintaining a commitment to community involvement through affiliations with local organizations like the Eureka Chamber of Commerce and Arcata High School wrestling program. Our services extend to life insurance, disability income protection, long-term care coverage, and annuities, with a particular emphasis on helping businesses protect their assets and navigate risk management challenges.
Services
Business Insurance
Long Term Care Insurance
Life Insurance
Annuities
Disability Income Insurance
Personal Lines Insurance
Term Life Insurance
Universal Life Insurance
Whole Life Insurance
Long-Term Care Coverage
Details
- Year established: 2018
Highlights and features
- We offer personalized insurance solutions tailored to your specific business needs
- Experienced in serving North Coast business owners since 2018
- Specialize in commercial risk management for diverse industries
- Provide comprehensive coverage options including property, liability, and workers' compensation
- Combine local market knowledge with national insurance expertise
Services
Business Insurance
Comprehensive protection for businesses against property damage, legal liability, and employee-related risks. Our policies cover commercial fleets, construction businesses, and various industries on California's North Coast. We help businesses develop customized risk management strategies that protect assets while meeting specific operational needs.
Long Term Care Insurance
Coverage for nursing home care, assisted living facilities, and home health care services. Our policies include customizable benefit periods, elimination periods, and inflation protection options. We help clients understand qualification requirements based on activities of daily living and cognitive impairments while protecting their financial assets.
Life Insurance
Term, universal, and whole life insurance products that provide financial security for families. Our offerings include return of premium options, indexed universal life policies, and no-lapse guarantees. We help clients understand policy features like cash value accumulation and estate planning benefits while comparing different coverage options.
Annuities
Financial products that create guaranteed income streams during retirement. We offer single premium deferred annuities, fixed indexed options, and survivorship products. Our services help clients understand how annuities can complement retirement plans by providing stable income while balancing other investment strategies.
Disability Income Insurance
Coverage that provides supplemental income during work disability caused by illness or injury. Our policies offer benefits based on income loss percentage with flexible elimination periods. We help clients understand qualification criteria, benefit calculations, and policy protections that continue payments even after returning to work part-time.
People
Eric Mikolai
Managing Member
Eric Mikolai founded Six Rivers Insurance Services in 2018 after 14 years at Federated Mutual Insurance Company. He holds property/casualty and life insurance licenses, graduated from Texas A&M-Commerce with a marketing degree, and actively contributes to local education through coaching and parent council roles.
Questions
What types of business insurance do you offer?
We provide comprehensive business insurance including property coverage, liability protection, workers' compensation, and commercial auto policies tailored to your specific industry needs.
Do you offer long-term care insurance solutions?
Yes, we offer long-term care insurance that covers nursing home care, assisted living, and home health care services with customizable benefit periods and inflation protection options.
What personal insurance products are available?
We offer personal insurance solutions including life insurance (term, universal, and whole life), disability income protection, and annuities for retirement planning.
How do you handle policy customization?
We work closely with clients to understand their unique needs, offering personalized policy design with features like flexible benefit periods, elimination periods, and inflation protection options.
What areas do you serve?
While headquartered in Eureka, California, we serve clients throughout Humboldt County, Del Norte County, and the broader North Coast region.
