Araujo Business Insurance Agency 
Advocating for our  family of clients to the insurance industry since 1989                              CA Lic. #: 0I43638 

We answer calls, texts or emails MOST hours of the day or night. PST. We work around YOUR schedule.


About Us:

As a leading provider of business and personal, Property and Casualty insurance, we take pride in offering the highest level of customer service and protection for our clients.  We have relationships with a multitude of preferred insurance carriers as well  standard and non standard insurance groups. We can insure ANY business risk no matter the size, operations or loss history!

We are extremely dedicated to serving the needs of our family of business clients each and every day. ABIA has over 29 years of experience in the property and casualty insurance industry.

We have made it our mission to provide for our customers the latest opportunities for complete coverage at reasonable prices while providing excellent customer service.

We like to think that we are the agency with a heart and a conscience.  Approximately half of our business family comes from insuring Non-Profit Organizations.  Non-Profit Organizations have very special insurance needs and very strict federal, state and local guidelines.  We know that agents servicing non-profit organizations must be keenly aware of these requirements and must be available at a moments notice to provide updated and accurate coverage to federal, state and local entities demanding accurate proof of coverage.  ABIA maintains strong relationships with specialized carriers who focus solely on providing coverage to our nonprofit community.  We communicate regularly with our contacts within government entities to secure and verify that our insureds are within compliance guidelines.   

Workers Compensation Insurance policies are often audited each year for accuracy by the insurance carrier.  Often those audits result in  additional premiums.  Other insurance agents see these additional premiums as free commission money for them and simply suggest to their clients that nothing can be done and to simply pay the additional premium.  The truth is that more than 25% of Workers Compensation Insurance policy audits are performed hastily and result in inaccuracies that favor the insurance company but  can cost you, the client, BIG premium dollars! 

We're proud to say that we have saved our clients many Hundreds of Thousands of valuable premium dollars by reviewing audits line by line, employee by employee, and classification by classification.  The audit mistakes are often ridiculous and simply a result of biased or hasty auditors.  Once we determine an inaccuracy we immediately notify all interested parties and request that a re-audit be performed.  By performing this service we have returned to our clients in excess of 1 million dollars in inaccurate audit premiums!!  Most of those premium dollars went right back into those companies and created new programs needing new employee positions to be filled and providing more services for the community. 

We do not charge additionally for this service.  We see it as a reinforcement of our commitment to our relationship between our agency and our valued client. 

We Offer:
Business and Commercial Insurance programs for all types of business entities.  We write Commercial General Liability, Commercial Property, Excess Liability, Umbrella, Business Owners Policies, Difference In Conditions, Builders Risk , Commercial/Business Vehicle coverage, Employers Practices Liability, Directors and Officers, Workers Compensation, Volunteer Coverage, Bonds and everything else.

We offer all personal lines coverage such as Automobile, Home, Boat, RV, Dwelling, Renters, International travel, Personal Umbrella and everything in between.

We can also discuss locating for you solutions for the following issues through our networked associate partners:

  • Legal Issues
  • Employee Training Issues
  • Aggressive claims management
  • Loss Control methods
  • Risk Management
  • Employee Safety training
  • Employee Handbooks and training Manuals
  • Mock OSHA Inspections
  • Premium Audit issues
  • ....and much more

Please know that we DO NOT NORMALLY CHARGE AGENCY, SERVICE or BROKER FEES for our services.

(Some exceptions apply).

This usually saves our clients from hundreds of dollars to tens of thousands of dollars off their already costly insurance programs.   Many clients switch to ABIA just to save the cost of the Agency or Broker fees.  We kept them with their same high quality carrier but we charge them no agency or broker fee.  Their annual costs were reduced significantly and then they stayed with ABIA because of our outstanding friendly and aggressive service.

We at ABIA believe that our dedicated work ethic and strong commitment to our client will earn us your continued good business and strengthen the level of trust that is built between our agency and our valued clients. That strong business relationship will in turn compensate us adequately through our commission dollars.

Llamanos, Hablamos Espanol: 1(844) 224-2467 / 1(626) 465-6650