California Insurance Broker

California insurance brokers, commercial and personal lines, L.C. Insurnace Solutions, provide insurance solutions for California businesses and individuals.  Services include assessing risks and comparing A rated insurance companies obtaining the best value and coverage available for our clients. California Lic #0F69090 and locations in both Southern and Northern California , we can obtain coverage for any risk from the most complicated international exposures to great Home and Auto insurance options. Your California insurance broker acts on your behalf to help make insurance coverage choices to protect your company and your assets, let our professional team help solve your insurance needs. 

As your insurance broker, we represent you, and our job is to work in your best interest to obtain the best possible rates and the most comprehensive insurance coverage. In competitive insurance markets like California, insurance brokers have access to many of the same carriers but this can be deceiving as some get better rates, discounts, and consideration than others. Due in part to the volume of insurance business the brokerage generates, their relationship with that specific insurance company and their ability to communicate business risk properly with underwriters.

We ask you one question, are you getting the service, discounts, credits and competitive pricing you should from your insurance broker?

Being a third generation insurance professional has given California insurance broker, Tim Pine, great insight into not only the insurance industry, underwriting processes and challenges facing insured, but also how California businesses shop for commercial insurance policies. We believe the best approach to purchasing business insurance starts with listening to our clients and understanding their business, challenges that they face and how they have purchased business insurance in the past. By understanding our clients needs, business model and where they may have experienced service issues or problems in the past we are able to provide a complete business insurance solution which sets Tim and the Arroyo Insurance Team's approach apart from other commercial brokerages.

Commercial Insurance Lines:

General Liability, Errors & Omissions, Directors & Officers, Worker's Compensation, Business Owner's Policy (BOP), Products Liability, Employee Benefits, Fiduciary Liability, Employment Practices Liability, Ocean and Marine Cargo,
Umbrella Coverage, and more...

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L.C. Insurance Solutions As one of California's premier regional business insurance brokerages, L.C. Insurance Solutions has been providing commercial insurance solutions for 3 Generations and ranks as one of the top 15 independent insurance brokerages in California as reported by the Los Angeles Business Journal. Two offices in California we are dedicated to supporting our clients, thoroughly understanding your business, potential hazards that your business is exposed to and constructing commercial insurance programs that protect your business and your assets.


 - Represent 30+ A Rated California Admitted Insurance Companies
 - $180 Million in written Commercial Insurance Premium
 - 1000's of commercial insurance Clients throughout California
 - Exceptional customer service

Areas Serviced in Southern and Northern California include Orange County , Los Angeles County, Inland Empire, San Diego County,

Just a few of the carriers we represent:

AIG, Allied, Arrowhead MGA, Chubb, Capital Insurance Group, CNA, CompWest, Deep South, Employers, Fireman's Fund, First Comp, Golden Eagle, Great American, The Hartford, International Facilities, Majestic, Markel Insurance, Mercury, Nationwide, Philadelphia, Safeco, California State fund, Swett & Crawford Excess & Surplus Lines, Travelers, Trinity Insurance, Trinity Underwriters, Victoria, Vulcan, Wausau, Zenith


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We help our clients reduce expenses while maintaining or improving their over all insurance coverage.

  • Average Reduction in Premium 10-20%
  • We work for you
  • Reduce time managing insurance programs
  • Identify Coverage gaps
  • Risk analysis

Why work with Timothy R. Pine Insurance Services:

  • Generations of Insurance Experience
  • Choice -Admitted A Rated Carriers
  • Dedicated account manager
  • 4 Hour turn around on certificates
  • Loss prevention program
  • Workers Comp Claims Management
  • Personalized Risk Assessment
  • 98% Client Retention rate