At Sandco, we prioritise our clients' long-term needs. Our dedicated agents take the time to understand your unique requirements to craft a tailored policy that will address your personal and business needs, and even provide customized policies designed exclusively for you. With our services, we aim to establish a lasting relationship with you and ensure your peace of mind for the long haul.

We've got you covered

Our team boasts over 40 years of experience, making us well-versed in the intricacies and potential loopholes of your policies. Our agents are always available to you, whether you need assistance with submitting a claim or seeking answers to questions - you'll have a direct line to us. We take the time to understand your needs and craft a policy that will address them in the long run, saving you both time and money.
Thanks to our advanced automated technology and streamlined backend procedures, we have greater access to the extensive insurance marketplace. This enables us to find you the best options available in a short period of time.

Business Insurance

Workers' compensation insurance is an essential coverage for any business with employees. It provides benefits to employees who are injured or become ill while on the job, including medical treatment, lost wages, and rehabilitation services. Workers' compensation insurance is mandated by state law, and failure to carry it can result in significant penalties and legal repercussions. At our insurance agency, we can help you find the right workers' compensation policy to fit your business's unique needs, so you can protect your employees and your bottom line. As an employer, it's your responsibility to ensure that your workplace is safe for your employees.

Personal Insurance

Homeowners Insurance At Sandco, we hold the belief that your home is more than just a place where you and your loved ones reside. It's a valuable investment that should be protected not only for the present but also for the future. We recognize the hard work and dedication you've put into creating a comfortable haven for yourself and your family. Therefore, our top priority is to safeguard your home's protection. Our experienced team specializes in identifying the unique risks associated with your property and will collaborate with you to ensure its longevity. Rest assured that with our services, your home will remain a safe and secure place for many years to come.

Auto Insurance

Auto insurance is a must-have coverage for anyone who owns or drives a car. It provides financial protection in the event of an accident, theft, or damage to your vehicle. Auto insurance can also cover liability if you are responsible for injuring someone else or damaging their property. At our insurance agency, we understand that everyone has different needs when it comes to auto insurance. That's why we offer a variety of coverage options to fit your budget and lifestyleWhether you need liability-only coverage or full coverage with added protection, we can help you find the right policy to fit your needs.

What’s Covered

Workers’ Compensation covers the cost associated with an employee who is injured or becomes ill on the job. This includes medical expenses, treatment, and or death benefits. More importantly, it also protects business owners from lawsuits for injuries or lost wages that may occur without it.


Take Care of Your Employees
As a business owner, you’re responsible for accidents that happen on company property or company time. Depending on the state requirements, you are responsible for workers’ compensation for your employees.

General Liability Insurance (GLI)

Protect your company’s finances from costs for property damage and alleged injury on your property. Opening a business comes with its own set of responsibilities to customers and employees. As a business owner you may be responsible for an bodily accident that occurs on your property – not to mention the legal fees needed to defend in court.

Property Damage
Your business property may also experience unexpected damages from natural hazards and/or theft. Don’t get set back by one unanticipated incident.

Business Owner Policy (BOP)

Get general liability included in a Business Owner Policy (BOP) which includes a general liability policy to cover liability claims and property coverage that covers the structure owned by the business and the contents inside. If a covered incident occurs, a BOP will fill in the caps to ensure your financial responsibilities are upheld, even when the unexpected happens.

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Business Owner Policy (BOP)
Protect yourself in the event of a loss of income with a Business Owner Policy (BOP). A BOP includes a general liability policy to cover liability claims and property coverage that covers the structure owned by the business and the contents inside. If a covered incident occurs, a BOP will fill in the caps to ensure your financial responsibilities are upheld, even when the unexpected happens.

Directors and Officers Insurance
Don’t put your personal assets on the line. As a business owner or key person, your personal assets may be at risk from alleged lawsuits that are not covered by general liability. Our Sandco Insurance Agency team will take the time to get to know you and your associated risks to make sure your business and personal assets are covered.

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At Sandco , we offer a range of personal insurance options to help you protect your assets and loved ones. Our experienced agents will work with you to assess your unique needs and help you find the right coverage at an affordable price.

Comprehensive Coverage
Damages may happen outside of a car accident. Cover the damages that may be caused by theft, fire or other incidents outside of you control.
Other causes of damage may be from:
  • Falling Objects
  • Damage from Animals
  • Natural Disasters
  • Theft
  • Vandalism (And/or Civil Disturbance)
Uninsured Motorists Coverage
Rest easy on the freeway, knowing you’re covered – even when the other party may not be insured. Uninsured motorist coverage fills the gap and ensures that you can continue with your daily tasks even when the other party is not prepared.
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Dwelling Coverage
Your Sandco Insurance Agent will evaluate the cost of your home and the cost to build the existing structure of your home from the ground up, due to a natural disaster vandalism, theft, or water damage. We’ll walk you through your limits so you’re covered, even in the event the standard dwelling coverage is not enough.

Separate Structures
Cover the other structures on your property that may not be covered by the standard homeowners policy and ensure your detached property from damage.

Personal Property Coverage
Ensure your personal property inside the structure of your home including furniture, kitchen appliances, clothing, and even precious heirlooms. Your agent will get to know you and your personal belongings to ensure your investment are protected.
Your Sandco Insurance Agency team is here for you and all you’ve invested in. We’ll get to know you and find the best coverage at the best rate with our big agency resources and personal touch.
Whole life insurance, also referred to as permanent life insurance, offers lifelong coverage with guaranteed cash value returns. With level premiums that remain consistent throughout the policy's duration, you and your loved ones can better manage your finances by knowing the exact premium amount during retirement and full death benefit. Furthermore, the policy's cash value provides stability and the opportunity for potential loans in times of need or unexpected events, allowing for greater financial flexibility. As an insurance agency, we can help you understand the benefits of whole life insurance and determine if it's the right coverage for you and your family's financial security. Contact us today to learn more.
Peace of Mind

Insurance can help protect you from financial loss due to unforeseen circumstances

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Renters Insurance

Renters insurance is a type of insurance policy that provides coverage for individuals who rent an apartment, house, or other type of dwelling

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5 Reasons Why You Need Business Interruption Insurance

As a business owner, you work hard to ensure your company's success.

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Equal Employment Opportunity

Employees may pursue legal action if they feel they’ve experienced actions prohibited by the U.S. Equal Employment Opportunity Commission.

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Calvin Williams

They always respond quickly when I send them an email or request a call back. Their brokers are always friendly and helpful. I’m really happy with the service I received from Randa and Denise. Thank you

Chantell Wessels
The one and only resturant

Top-notch service I received 5-star service from Sandco Insurance Agency Russ! He not only listened with empathy, but also acted immediately. If I could give a higher star rating than 10, I would. Thanks for the great experience!

Julia Martins
Salon Owner

I would like to take a moment to express my sincere appreciation for the exceptional service you have provided me as an insurance company. Whenever I had questions or concerns regarding my policy, your team has been incredibly responsive, attentive, and willing to go the extra mile to ensure my satisfaction. Thank you very much for your outstanding support.

  • 2629 Manhattan Ave suite 270, Hermosa Beach, CA 90254, USA