Insurance That Works for the Way You Live

DRD Insurance provides a wide range of personal and commercial insurance solutions designed to protect individuals, families, and businesses from everyday and unexpected risks. Our offerings include auto insurance, homeowners insurance, life and health insurance, earthquake and flood insurance, personal umbrella insurance, and specialty coverage such as Mexipass for driving into Mexico. For businesses, we offer general liability, business owners policies, commercial auto, commercial property, contractors insurance, cyber liability, and errors and omissions insurance.

Because every client’s needs are different, we don’t treat insurance as a one-size-fits-all product. As an independent insurance agency, we work with multiple insurance carriers, allowing us to tailor coverage based on risk exposure, budget, and long-term goals. Our role is to help you understand your options clearly and build protection that actually fits your situation.

Working with an independent insurance agency means you are not limited to the products or pricing of a single insurance company. At DRD Insurance, we represent multiple carriers, which allows us to compare coverage options, explain differences in policy language, and help clients avoid gaps that may exist in standard policies. This flexibility is especially valuable as insurance markets change and carrier appetites shift.

Independent agencies also provide ongoing service beyond the initial policy purchase. We help review coverage over time, assist with claims questions, and adjust policies as life or business circumstances change. Instead of calling a call center, you work with a team that understands your coverage history and can advocate on your behalf when issues arise.

Determining whether you have enough insurance coverage depends on several factors, including the value of your assets, your liability exposure, and how your policies work together. Many people are underinsured without realizing it, especially when property values increase, businesses grow, or lifestyles change. At DRD Insurance, we review policies holistically rather than in isolation.

We look at coverage limits, deductibles, exclusions, and how different policies interact. This includes evaluating whether liability limits are sufficient, whether property coverage reflects replacement costs, and whether additional coverage such as umbrella insurance is appropriate. Our goal is to help you understand your exposure clearly and make informed decisions without unnecessary coverage or surprises.

Standard homeowners insurance policies do not cover damage caused by earthquakes or flooding. These risks require separate policies, which is often a surprise to homeowners who assume all natural disasters are included. Earthquake insurance is designed to cover damage from seismic activity, while flood insurance protects against damage caused by rising water, storm runoff, or overflow.

At DRD Insurance, we help homeowners understand these coverage gaps and evaluate whether additional policies make sense based on location, construction type, and risk tolerance. We explain how deductibles work, what coverage includes, and how these policies fit into an overall protection strategy so homeowners can make informed decisions rather than assumptions.

A Business Owners Policy, or BOP, combines essential coverages such as general liability and commercial property insurance into a single, streamlined policy. BOPs are commonly designed for small to mid-sized businesses that have relatively straightforward operations and physical locations. This bundled approach can simplify coverage and often reduce costs compared to purchasing policies separately.

Not every business qualifies for or should rely solely on a BOP. At DRD Insurance, we evaluate business size, industry, revenue, and risk exposure to determine whether a BOP is appropriate or if standalone policies are needed. We also help customize BOPs with endorsements to address gaps such as cyber liability or business interruption coverage.

Personal auto insurance typically does not provide adequate coverage for vehicles used primarily for business purposes. If a vehicle is owned by a business, used regularly for work, or driven by employees, commercial auto insurance is usually required. Relying on personal auto coverage in these situations can lead to denied claims and significant financial exposure.

DRD Insurance helps business owners understand when commercial auto insurance is necessary and how coverage applies to company-owned, hired, and non-owned vehicles. We review how vehicles are used, who drives them, and what risks exist so coverage aligns with real-world operations rather than assumptions.

Errors and omissions insurance, also known as professional liability insurance, protects businesses and professionals from claims alleging mistakes, negligence, or failure to perform professional services as expected. These claims often involve financial loss rather than physical injury or property damage, which means they are not covered by general liability insurance.

E&O coverage is especially important for service-based businesses, consultants, and professionals who provide advice, design, or specialized services. At DRD Insurance, we help clients understand how claims-made policies work, how retroactive dates apply, and how to avoid gaps in coverage that can occur when switching carriers or letting policies lapse.

Cyber liability insurance is increasingly important for businesses of all sizes, not just large corporations. Small businesses often handle customer data, process payments, or rely on digital systems, making them vulnerable to cyberattacks, data breaches, and ransomware incidents. These events can result in significant financial loss, legal liability, and reputational damage.

DRD Insurance helps businesses understand cyber risk based on how data is stored, accessed, and transmitted. We explain what cyber liability insurance can cover, including breach response, notification costs, legal defense, and business interruption. Cyber insurance is not about fear—it is about preparedness in a connected world.

Mexipass insurance is designed for U.S. drivers traveling into Mexico, where U.S. auto insurance policies are generally not recognized as valid liability coverage. Driving in Mexico without proper insurance can expose drivers to serious legal and financial consequences in the event of an accident. Mexipass provides short-term coverage that meets Mexican insurance requirements.

At DRD Insurance, we help drivers understand Mexipass options based on trip length, vehicle type, and coverage needs. We explain liability requirements, optional physical damage coverage, and how claims are handled so drivers can travel confidently and legally across the border.

Insurance policies should be reviewed regularly, especially after major life or business changes. Events such as purchasing property, starting or growing a business, adding vehicles, hiring employees, or significant changes in income can all affect coverage needs. Waiting until a renewal or a claim occurs can leave gaps unaddressed.

DRD Insurance recommends periodic policy reviews to ensure coverage remains aligned with current risk exposure. As an independent agency, we proactively review coverage, explain changes in carrier pricing or underwriting, and help clients adjust policies over time. Our goal is to ensure protection evolves as your life or business does.