Welcome With over 50 years of service to California clients, Beach & O'Neill Insurance Associates. is a market leader. We have been listed in The Sacramento Business Journal as one of the top 25 biggest property and casualty insurance brokerages in the Sacramento region.

Contact Details

  City Citrus Heights, CA
  Zip Code 95610
  Address 7520 Greenback Lanes
  Phone Number (916) 967-4745

From Our Website

Beach & O'Neill Insurance Associates seeks highly dedicated people willing to commit to our high standards of integrity and professional conduct. Our company is growing and we are hiring for multiple positions. We have account manager, sales, claims and clerical positions available. A detailed resume including insurance experience, license information and a cover letter expressing the position you would like to apply for is a plus. The Sacramento Business Journal reported us as the fastest growing insurance brokerage firm in the Sacramento region in 2015.

Not all lawsuits come from outside of your organization. Employment practices liability insurance (EPLI) covers lawsuits brought on by current, former, or even prospective employees. Protecting your business means safeguarding against all risks you may face, including allegations of harassment, discrimination, wrongful termination, or other employee initiated lawsuits. Many of these allegations can be hard to prove in court. Employment practices liability coverage is there to provide your business with coverage for defense and indemnity in the event an employee alleges employer misconduct.

We maintain the following professional memberships and affiliations to help us stay connected and informed with your industry. Our involvement with our affiliates ranges from sponsoring events to donating time and resources. Please visit our partner members below for more information about their special services and member benefits.

You don't have to live near a body of water to have the peace-of-mind that flood insurance brings. Even a single inch of rain water can cause severe damage to your home and personal possessions. You most likely will need flood insurance if you want to protect your home from water damage from an unusual and rapid accumulation or run off of surface waters from any source. Nearly all Homeowners carriers exclude damage caused by a flood and this insurance must be purchased separately. Flood insurance works differently than your standard homeowners insurance policy and the coverage is different too.

Beach & O'Neill Insurance Associates offers exclusive access to some of the most popular WRAP products offered in California and Nevada. WRAP insurance can fall under the definition of either being an Owner Controlled Insurance Program (OCIP) or Contractor Controlled Insurance Program (CCIP). Under a WRAP policy generally the developer of a project, or general contractor, takes out a project specific policy to cover all subcontractors on one master policy which includes both premises liability and product completed operations coverage.

Life insurance benefits give you a way to provide financial security for your loved ones even after you're gone. With different options available, you can pick the coverage that's right for your family and financial situation. Life insurance helps remove financial uncertainty after your death by providing your family with the means to pay off funeral expenses, final medical bills, and any debts including in some cases, your mortgage. But the benefits of life insurance can extend even further, paying for your children's education, and possibly even building a tax-free cash value investment for your family.

Umbrella and excess insurance policies provide your business with protection against large claims that may exceed either your general liability, auto liability, or employer's liability coverage limits. An umbrella is a separate "stand alone" policy that sits over the top of scheduled underlying policies. An umbrella can sometimes provide coverage for "gaps" that exist in the underlying coverage forms if the umbrella does not exclude the exposure. In comparison, an excess policy also sits over the underlying policies that are scheduled for coverage; however, the excess policy is "following form" and does not offer coverage broader than what is contained in the schedule of underlying policies.

Your business has specific insurance needs based on the industry you specialize in and the type of operations you perform. Because a "one-size-fits all" insurance approach does not give your business the individualized protection it needs, you need an insurance broker that can help find the right type of insurance coverage in order for your business to grow and thrive in the marketplace. We have been helping businesses custom tailor insurance solutions for over 60 years, and our experience in the insurance marketplace allows us to provide a wide variety of insurance solutions for business owners in every industry imaginable.