Business Details
Your Trusted Independent Insurance Agency in California & Nevada
Jessica Liu Insurance Services is an independently owned and locally operated insurance agency serving clients in California and Nevada. Our team of experienced professionals is dedicated to helping individuals and businesses find affordable, reliable insurance products from a variety of trusted carriers. As an independent agency, we provide unbiased guidance by comparing coverage options and rates across multiple insurers to ensure our clients receive tailored solutions that meet their unique needs.We pride ourselves on delivering exceptional customer service, from policy selection through claims assistance, and maintaining deep community ties. Our commitment to transparency, personalized support, and continuous education about insurance needs sets us apart in an industry often characterized by complexity and impersonal interactions.
Services
Auto Insurance
Homeowners Insurance
Business Insurance
Health Insurance
Life Insurance
Motorcycle Insurance
Flood Insurance
Earthquake Insurance
Commercial Auto
Workers Compensation
Highlights and features
- We offer unbiased comparisons across multiple insurers to find your best value
- Our team has decades of combined experience in insurance and risk management
- We provide personalized policy reviews and claims assistance in multiple languages
- We specialize in hard-to-place coverage for unique properties and businesses
- We maintain partnerships with top-rated insurance carriers for reliable service
What people say
Incredible customer service
Quick response times
Competitive premium rates
Bilingual support available
Personalized policy guidance
Services
Auto Insurance
We provide comprehensive auto insurance solutions for personal and commercial vehicles. Our policies protect against collision, theft, and liability while offering discounts for safe driving and multi-policy bundling. We help clients in California and Nevada compare options from top-rated carriers to find affordable coverage that meets state requirements and personal needs. Our agents specialize in insuring unique vehicles including classic cars, motorcycles, and commercial fleets.
Homeowners Insurance
Our homeowners insurance policies protect against fire, theft, and natural disasters while offering customizable coverage for personal belongings and liability. We help clients understand policy details including dwelling coverage, personal liability limits, and additional living expenses. Our team specializes in high-value home insurance and recommends complementary coverage like flood or earthquake policies where needed. We work with multiple carriers to find competitive rates for standard and unique properties.
Business Insurance
We offer tailored business insurance solutions including property, liability, and workers compensation coverage. Our policies protect restaurants, retail stores, contractors, and professional services firms across California and Nevada. We help businesses create comprehensive risk management strategies through Business Owners Policies and specialized endorsements. Our agents have expertise in commercial auto, surety bonds, and industry-specific coverage requirements for both small businesses and established companies.
Health Insurance
We help individuals, families, and small businesses navigate health insurance options including HMO, PPO, and ACA-compliant plans. Our agents explain key terms like deductibles, co-pays, and out-of-pocket maximums while helping clients compare network coverage and prescription benefits. We provide year-round support for policy selection and changes, with expertise in both individual marketplaces and group insurance solutions for businesses seeking to offer employee benefits.
Life Insurance
We offer term life, whole life, and universal life insurance policies to protect families and business interests. Our agents help clients determine appropriate coverage amounts based on income replacement needs, mortgage protection requirements, and estate planning goals. We work with top-rated carriers to provide competitive rates and assist with policy comparisons, application processes, and ongoing coverage reviews to ensure evolving needs are met throughout different life stages.
People
Jessica Liu
CEO & Founder
Jessica Liu founded the agency in 1991 after immigrating to the US. She holds the Certified Insurance Counselor designation and specializes in commercial insurance counseling. With over 30 years of experience, she focuses on helping clients understand risk management while maintaining community involvement through charitable donations.
Sweedy Chut
Business Development Associate
Sweedy Chut manages commercial insurance accounts with over 10 years of experience in business development. She previously worked in accounting and customer service roles in Hong Kong before joining the agency in 2005. Her expertise includes understanding small business exposures and securing optimal commercial policies.
Xylia Huang
Account Manager
Xylia Huang specializes in personal insurance products, bringing extensive customer service experience from her career in Guangzhou, China. She has managed personal insurance accounts since joining the agency in 2011, focusing on auto, home, health, and life insurance solutions for individuals and families.
Christopher Li
Insurance Account Manager
Christopher Li handles workers compensation and commercial auto policies. After graduating with a degree in Physiological Sciences in 2012, he transitioned to insurance with a focus on learning and problem-solving. He previously served as a cross-country coach and brings analytical skills to commercial risk assessment.
Shirley Li
Registered Tax Preparer
Shirley Li combines insurance expertise with tax preparation services, holding CTEC certification and IRS credentials. Before joining the agency, she worked in municipal government project insurance compliance. She also provides payroll and accounting support to small businesses while managing insurance client needs.
Questions
What makes Jessica Liu Insurance Services different from other agencies?
As an independent agency, we compare policies from multiple top-rated carriers to find your best value. Our team has decades of combined experience and provides personalized service in English, Mandarin, and Cantonese.
Do you offer insurance for unique properties or businesses?
Yes, we specialize in hard-to-place coverage for high-value homes, commercial properties, and niche businesses. Our agents have expertise in unusual risk scenarios and can access specialized insurance products.
How can I get a free insurance quote?
You can request a free quote online through our website or contact us directly at (415) 386-2283. Our agents will help compare options from multiple carriers to find your best match.
What insurance products do you specialize in?
We specialize in auto, home, health, life, and business insurance. This includes commercial property, liability coverage, workers compensation, and specialized policies for restaurants, contractors, and technology companies.
Do you help with insurance claims?
Yes, our team provides ongoing support throughout the policy lifecycle, including assistance with filing and managing insurance claims to ensure timely resolution.
