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Workers’ Compensation
Talk through classifications, payroll, claims, and practical safety priorities.
Learn moreProtection built around your goals
A clearer way to protect what you’re building.
Insurance guidance for the business you built, the people you love, and the future you’re preparing for.
Commercial insurancePractical risk guidancePersonal service
Protect today. Prepare for tomorrow.
A practical conversation can make the next decision feel lighter.
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Workers’ Comp
Employee protection and employer clarity.
Property & Liability
The assets and exposures behind operations.
Auto & Fleet
Vehicles, drivers, and the road ahead.
Life & Annuities
Protection for people and future income.
Commercial insurance
Coverage that reflects how your business actually operates.
Every operation has a different mix of people, property, vehicles, contracts, and risk. We organize the conversation around the details that matter.
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Commercial Property
Protect the places, equipment, inventory, and improvements that keep work moving.
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General Liability
Prepare for the customer, public, product, and contract exposures around your work.
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Auto & Fleet
Bring vehicles, drivers, use, maintenance, and accident response into one view.
Learn moreA more useful insurance conversation
Beyond simply asking for a quote.
Price matters. So do accurate details, coverage structure, loss history, carrier fit, and the practical habits that help reduce avoidable losses.
- ✓Review the operation and its real exposures.
- ✓Find gaps, outdated assumptions, or missing information.
- ✓Organize underwriting details for a stronger submission.
The David Zarate approach
Understand first. Build the strategy second.
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Understand the operation
Review the people, locations, vehicles, equipment, contracts, and decisions behind the business.
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Evaluate key exposures
Focus on the risks that can create serious claims, interruptions, or financial pressure.
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Make a clearer plan
Match coverage priorities to the client’s goals and the available market options.
Life insurance & annuities
Retirement planning should feel understandable—not overwhelming.
Life insurance can help protect the people and obligations that matter most. Annuities may help address retirement income, accumulation, or principal-protection goals depending on your circumstances.
Explore life & annuities
Let’s discuss what you need to protect.
Start with a straightforward conversation about a renewal, a new business exposure, life insurance, or retirement income.