Insurance for the way Oakland actually lives.
Health, business, Medicare, auto, workers' comp, liability, and renters coverage — built by a licensed Oakland broker who answers the phone every time.
Eight lines of coverage. One local broker.
We're an independent agency on International Boulevard. That means we represent you across more than two dozen carriers — not a single brand — and we shop your renewal every year so loyalty never becomes a tax.
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Health Insurance
Coverage that protects your family without draining your paycheck.→ - 02
Business Insurance
Protect the company you've spent years building — start to renewal.→ - 03
Medicare
Choose the right plan with someone who actually answers the phone.→ - 04
Workers Compensation
California-compliant workers' comp that won't cripple your payroll.→ - 05
Professional Liability
Errors & Omissions coverage built for Bay Area service professionals.→ - 06
General Liability
Third-party protection that keeps one bad day from ending your business.→ - 07
Auto / Car Insurance
Real Oakland coverage — not a 15-minute promise from a call center.→ - 08
Renters Insurance
Bay Area rents are brutal — your coverage shouldn't be.→
Built in Oakland. For Oakland.
Our office sits on International Boulevard — a few minutes from Fruitvale BART and Lake Merritt — and we serve clients across every Oakland ZIP code and the wider East Bay: Alameda, Berkeley, Emeryville, San Leandro, and Hayward.
Local matters in insurance. It means knowing which carriers price Oakland trades fairly, which Bay Area medical networks include your doctors, and which underwriters can move quickly when a deal closes Friday.
It also means you can walk in. Most clients meet us once — and stay for a decade.
A higher standard, quietly.
Independent
We answer to you, not a single carrier. Quotes across 25+ markets.
Licensed in CA
Fully licensed California brokerage with current E&O and surety bonding.
Bilingual service
English and Spanish, with Cantonese available by appointment.
Local office
Walk into our International Boulevard office — or meet by phone or Zoom.
Free renewals
We re-shop your policy every year. No quiet 25% increases.
Real claims help
We open claims with you and advocate through resolution.
Four steps from inquiry to covered.
We start with your situation — your doctors, your business, your contracts, your budget.
We quote across 25+ carriers and surface the 3 that genuinely fit.
Limits, exclusions, deductibles — translated into plain English before you sign.
Year-round service. Same number. Same person. Every renewal re-shopped.
What Oakland says about us.
We've sent every employee, every vendor, and our own family to CCAO. They re-shopped our BOP and saved us $2,400 the first year.
After three weeks of dead-ends with Covered California, CCAO had us enrolled with our pediatrician in network in under an hour.
Our previous broker stopped returning calls. CCAO answered the same afternoon and bound workers' comp the next morning.
Get coverage that finally fits your life.
A licensed Oakland broker will walk you through every option — by phone, in-office, or over Zoom. Most quotes take under 15 minutes.