California Commercial Insurance Broker Testimonials

"As President of Nine Moons, I am charged with not only the operational aspects of the business but also to make sure we can comply with our vendors contractual requirements. We were approached by a large national retailer to distribute our clothing, women’s fashion accessories, and had to purchase product liability insurance to get the purchase order. I found commercial insurance broker, Tim Pine, who started working closely with us to obtain our product liability coverage. He had us in front of a dozen insurance carriers within a week, and although we had issues due to our manufacturing process, Tim maintained communication with us once we tweaked some of our manufacturing issues we had coverage within days. Tim understands the commercial insurance industry but more importantly he understands our business model and works with us to achieve our goals. He is a true business partner for us."

June 1, 2009
Shirli L., President, Nine Moons

"As a new non-profit organization in Orange County finding an appropriate insurance commercial insurance broker can be a daunting task. Tim Pine offered personalized service and attention that helped us tremendously in the beginning stages of our organization’s operations. The Arroyo team understands our distinctive business model and offers insurance for all of our needs. "

Sara M., Director, Non-profit Financial Organization February 1, 2009

“Tim is a top insurance broker, excellent business developer, very creative and hardworking.”

Marcus Arbelbide, Risk Manager Transport Logistics Company February 6, 2009

“I work with Tim as my commercial insurance broker several years back. I was impressed both with Tim's work ethic as well as his trustworthiness... rare in the industry! Tim was amongst our very best employees (on a team of 75) in terms of his knowledge, abilities, character and just in being a good person in general!”
Rob Misheloff, HR, March 14, 2009

“I was always impressed with Tim's way of handling any type of work and his innovative approach to insurance requirements in the software industry. I wish him best in any future endeavors.”

Sandeep Gupta, CIO/CTO, Software Industry March 14, 2008

Top qualities: Personable, High Integrity, Creative “Tim delivers. On very short notice Tim was able to meet our business insurance needs. On a personal level, I have know Tim for over 3 years and he is one of the most optimistic people I know, a pleasure to work with and be around.”

Neil McConnell, COO, Software Industry June 19, 2008

“Tim is an outstanding professional with great business sense and high character. I have known Tim for more than 15 years and would do business with him in a heartbeat. His professionalism, dedication and execution make him a valuable asset to the insurance world.”
Thomas Romero, Regional Business Manager, PDL BioPharma March 17, 2008

“I had a great time working with Tim. Great individual who is goal driven ... to succeed. At Security Weaver he managed many potential clients with great care which helped us convert them over to our customers very fast.”
Sumit Sangha, Chief Architect, Software Industry October 20, 2007

“Tim Pine is exceptionally knowledgeable in every aspect of the commercial insurance business. He pays attention to details and makes sure that all projects are completed thoroughly and on-time. Tim is a true professional. As complimentary service providers you know instantly if you would refer someone to your customers and I would refer Tim every time.”
Amir Arbabi, Financial Advisor April 20, 2008

“Absolutely top notch, Tim is one of those people that finds a way to succeed at everything he does. He is not afraid to get his hands dirty roll up his sleeves and do whatever it takes. I would welcome the chance to work with him in the future.”
Shannon Wilson, Risk Management September 5, 2008


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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