The most valuable parts of life, protected.

We cover all available Health markets in California, and we do offer Covered California as well. We will discuss the difference for On-Exchange and Off-Exchange and help you decide on the best solution, carrier, and health plan. 

We offer comprehensive solutions for Term Life, as well as with Whole and Universal life options. You may want to make sure that your family can continue living in their home should something happen to you and your income along with you, or you want to make sure that college can be paid for, or maybe you are starting a new family or have a new baby on the way. These are all good reasons to take out a Life Insurance policy. We will make sure that your family will always be able to say “Thank You” for the best gift that you could ever bestow upon a loved one – Life Insurance. For larger estates, we offer ways to pay for estate taxes through Life Insurance products and solutions to allow your beneficiaries to inherit your wealth rather than going through expensive Probate and other legal hurdles when the time comes.

You have worked long and hard, fought for every pay increase, met your benchmarks of success, stayed after hours to make sure that you have fulfilled your obligations to yourself and your family and now you are in a place where you can finally live the good life that you have strived for.  Now you must protect that dream from any event that could render you unable to generate the income that you have become comfortable with. Disability Insurance is a product that is often used in these circumstances and Lieberthal Insurance works with the best carriers to deliver your security.  Some reasons to use it would be in the event of stoke, heart attack, or similar devastating health episode. Loss of Limb or losing other “Daily Functions of Living”  so that you would no longer be able to go to work or make your income.

Retirement Planning is a daunting task for anyone nearing a retirement age. We have to make the excruciating decisions of what to do with our qualified earnings such as 401(K), Keogh, 403(b), or other such savings. The stock market may be an obvious option, but so is gambling in Las Vegas. You could win or you could lose everything and for that reason, gambling with our retirement simply is not an option for most of us. Finding a zero-risk solution that also rewards us for the upticks in the markets but with a guarantee of no losses to the investment is one of our proudest specialties at Lieberthal Insurance. We will be happy to go through all the options with you until you are crystal clear as to how you want to handle your retirement savings and to budget for living expenses.

Lieberthal Insurance has worked for over 10 years learning, building, and refining our knowledge of risk prevention in the Commercial sector. We have extensive experience and success working with businesses of all types, from the single person start-ups just getting off the ground to larger organizations with more than a hundred employees and millions in revenue each year. 

You need your insurance to work in absolute synergy with your business, as an invisible layer of protection. You need a night owl that thinks ahead of the game, that sees problems before they are problems. You need a creative partner to hammer our all of the what-ifs and could-bees, to always be coming to the table with new ideas for an ever improving, zero gap, zero risk enterprise. 

That is the partnership that we offer at Lieberthal Insurance and General Liability is just the start. We will make sure that you are not only amply covered for slips and falls, but that every other factor has been accounted for and is continually accounted for. In other words, we do not offer a “set it and forget it” mentality. We are always working with you, day in and day out, to problem solve and continually sharpen the saw as your business operates and grows. 

Business Personal Property insures from a myriad of risks which only begin with Fire and Theft. Your property is safe and secure from all types of loss and malice, emanating from both external as well as internal harm.

Cyber Liability is a big deal in today’s world, and we take Cyber very seriously at Lieberthal Insurance. We will protect your Data locally and on-sight as well as cloud based storage from intruders, criminals, competitors, and even employees who seek to steel, compromise, harm, and exploit your operations and trade practices. 

Commercial Auto coverage is a also a big and easily overlooked liability for a business as we place more and more responsibility on employees traveling around in either our vehicles, or their own.  Simply asking someone to pick up lunch for the office immediately puts the whole business in jeopardy if not properly considered. Lieberthal Insurance will scout out these and many other risks before they become a problem. 

If your business produces and sells any type of Product, then you need Product Liability coverage from day one. Product Liability takes into account the product that you are selling and nay potential risk stemming from that product. From food to workout equipment, every product has its own liability risks. We will make sure that the particular risks of your product are thoroughly inspected and vetted for any potential hazard to the consumer. If a law suit is brought against you, your insurance policy will support you 100% with legal representation included.

Workers Compensation is one of the most heavily used insurance in any business and required by State Law of you have any employees falling into a W2 category. Even for 1099 Contractors, the Employer will be held responsible for any and all injuries in the workplace. So having a $1,000,000 Workers Comp policy is a necessary evil of doing business. As does any insurance product, Workers Comp protects you to a far greater degree than any premium that you would ever be billed for.

Employment Practices Liability is a coverage that is often times overlooked until it is needed. The process of hiring and terminating employees is a massive component of any organization. Your business will inherently be taking on all sorts of responsibilities that come with having people work for you. When something goes wrong with Employee Relations, Human Resources, Sexual Harassment, or a complaint of Wrongful Termination, it behooves us to be protected through an EPLI policy from the get-go.

Offering Buy-Sell Agreements to you and your officers provides stability to the key players and their families and dependents but guaranteeing exit strategies based on current valuation of the business. These are living documents which should evolve along with your business to ensure continuity in the event of a loss to a key member. Employee Life Benefits can in turn be a crucial way to enhance the Benefits Package and offer those “Golden Handcuffs” which makes the on-boarding process more cost effective with less volatility and turnover.

Just as you have alarm systems on your property, Lieberthal Insurance acts as the most preventative measure you can possibly take to avert trouble down the road. We are the ultimate alarm systems for all of your investments.   Just as a contractor works with specialists to build a home, we understand all aspects of your program and we works with specialized teams to micromanage your safety. With some of the largest agencies and insurance companies in the State, the Country, and indeed the world, we handle the big guys and represent you like no one else could. We consider all risks to your business every day, so that you can focus on your business every day. We are like owls circling at night, making sure that you are protected before you need to be. We will propose measures that you have not thought of. Yet one day that decision to trust us could pay off in dividends and your investments will pail in comparison to your rewards, your continued success, and your peace of mind. At Lieberthal Insurance, we understand the importance of an air tight insurance program and what that can do to help sustain and grow your business. 

Your Personal Insurance is the bedrock of your financial growth, and the first defense against any loss. Protect your assets, protect your family, protect your property, protect your income, protect your savings, from as many risks as possible with a comprehensive personal insurance program from Lieberthal Insurance.

We have been working for over a decade with families just like yours. We protect  your financial assets, so that when a bad day does occur, you can first think about yourself and your safety, and then move on, knowing that your interests, and everything that you have worked so hard for, are secure.  

Homeowners and Auto create the core personal lines package. We insure Renters, Homeowners, and Condo Owners each, and every day. Regardless of your  net worth, your zip code, if you have a unit number on your address, or whether you are North or South of Ventura, if you don’t want to lose anything, you must protect everything.  

A Personal Umbrella is the stealth fighter in Insurance. It is the secret weapon, the cherry on top, the ribbon, the bow, you chose your analogy. The Personal Umbrella brings everything under one roof and adds increments of $1,000,000 to your underlying Home and Auto Liability limit. Plus, you can take advantage of an additional $1,000,000 of Uninsured/Underinsured Motorist protection (UM). UM is the only coverage that protects YOU. Liability is for everyone else. As we are in a very litigious society these days, you need to be able to hand over a large sum of money in the event that you are at fault. However on the flip side, if someone causes YOU injury, through no fault of your own, you want to be able to collect immediately and let insurance companies fight it out. UM coverage guarantees that you won’t be waiting on someone who was not insured, or did not have enough to pay for the pain that they have caused to you or your family, no matter how severe! UM is about personal responsibility and can not be over emphasized as to how important this coverage is for everyone to take advantage of.

Finally, as we are in California, an Earthquake policy usually rounds out the Personal Lines package with Lieberthal Insurance. Homeowners, Condo Owners, and Renters Insurance EXCLUDES the risk of “Earth Movement.” California’s last 6.0 or greater quake happened over 5 years ago in Napa and scientists are now calling this an “Earthquake Drought.” Just like the folks that were not insured, or who may been underinsured during the recent California fires, you don’t want to be caught without Earthquake coverage when our lives are suddenly upended.