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(805) 413-1491
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We understand that your needs are unique. That's why we work with dozens of carriers to find the best and most affordable protection for what matters most in your life. As third generation insurance specialists, we are more than qualified to serve everyone from individuals to large companies. Contact us today and let us exceed your expectations!

Yours in service,



Daniel Manfredi
Principal Broker

" People will forget what you said, people will forget what you did, but people will never forget how you made them feel. " -- Maya Angelou

USGS Alerts
M 1.5 - 5 km SE of Home Gardens, CA
Time
2026-02-25 20:34:34 UTC
2026-02-25 20:34:34 UTC at epicenter
Location
33.845°N 117.492°W
Depth
2.32 km (1.44 mi)
M 1.7 - 5 km SSW of Malaga, New Mexico
Time
2026-02-25 20:34:07 UTC
2026-02-25 20:34:07 UTC at epicenter
Location
32.175°N 104.092°W
Depth
0.00 km (0.00 mi)
M 1.5 - 44 km W of Toyah, Texas
Time
2026-02-25 20:16:37 UTC
2026-02-25 20:16:37 UTC at epicenter
Location
31.358°N 104.253°W
Depth
0.00 km (0.00 mi)
M 3.5 - 5 km E of Assaria, Kansas

ShakeMap - IV DYFI? - IV

Time
2026-02-25 20:14:52 UTC
2026-02-25 20:14:52 UTC at epicenter
Location
38.685°N 97.544°W
Depth
9.07 km (5.63 mi)
M 2.5 - 9 km NW of Prague, Oklahoma
Time
2026-02-25 20:09:01 UTC
2026-02-25 20:09:01 UTC at epicenter
Location
35.554°N 96.742°W
Depth
7.21 km (4.48 mi)
M 1.5 - 28 km WNW of Petersville, Alaska
Time
2026-02-25 19:49:35 UTC
2026-02-25 19:49:35 UTC at epicenter
Location
62.573°N 151.287°W
Depth
85.60 km (53.19 mi)
M 0.5 - 6 km WNW of Cobb, CA
Time
2026-02-25 19:44:41 UTC
2026-02-25 19:44:41 UTC at epicenter
Location
38.834°N 122.787°W
Depth
6.00 km (3.73 mi)
M 1.9 - 24 km NW of Sunriver, Oregon
Time
2026-02-25 19:14:48 UTC
2026-02-25 19:14:48 UTC at epicenter
Location
44.019°N 121.685°W
Depth
6.77 km (4.21 mi)
M 2.4 - 91 km E of Ruby, Alaska
Time
2026-02-25 19:11:24 UTC
2026-02-25 19:11:24 UTC at epicenter
Location
64.651°N 153.580°W
Depth
5.00 km (3.11 mi)
M 2.1 - 37 km S of Qualeys Camp, NV
Time
2026-02-25 19:02:31 UTC
2026-02-25 19:02:31 UTC at epicenter
Location
37.978°N 118.581°W
Depth
14.46 km (8.99 mi)

Insurance Journal
NC State Workers Should Seek Comp Benefits, Not Constitutional Claims, Court Told
College workers stricken with cancer should seek remedy through the workers’ compensation system, and injured students can bring negligence lawsuits, not claims that their constitutional rights have been violated, attorneys for North Carolina State University said in asking a court …
AI Lost Out to Traditional Models in Forecasting NYC’s Blizzard
Two days before New York’s biggest snowstorm in a decade began, forecasters were still unsure how much snow would fall. One traditional US model had consistently predicted a major hit, while newer artificial intelligence systems weren’t so certain. The long-running …
Munich Re Plans to Return €5.3 Billion to Investors
German reinsurer Munich Re announced plans to return €5.3 billion ($6.3 billion) to shareholders through a new buyback program and a higher dividend. The firm aims to repurchase as much as €2.25 billion of its stock, according to a statement …
Markets/Coverages: Liberty Mutual, Floodbase Partner on Parametric Flood
Floodbase and Liberty Mutual announced the launch of an instant quoting application for parametric flood insurance in the U.S., allowing wholesale and retail brokers to price parametric flood covers in minutes Designed specifically for the U.S. market, Liberty’s pricing engine …
Alabama Governor Signs Law Barring New Environmental Regulations
Alabama Gov. Kay Ivey has signed legislation Thursday that restricts the state’s ability to set new environmental regulations. The measure prohibits state agencies from setting restrictions on pollutants and hazardous substances exceeding those set by the federal government. In areas …
Vistria Acquires Texas-Based MGA Lumen
Vistria, a middle market private investment firm with deep sector expertise across essential industries, announced the acquisition of Lumen, a technology-enabled Managing General Agent headquartered in Dallas, Texas. Founded in 2019, Lumen underwrites commercial property, builders’ risk, commercial general liability, …
Tree-Planting in Louisiana Wetlands Aims to Rebuild Natural Barriers
Across the calm waters behind a pumping station near Lake Borgne, hundreds of saplings stand out in the mist, wrapped in white plastic cylinders. To get there and to other sites like it, organizers have ferried dozens of volunteers week …
New MGA Elitium Offers Cover for Manufacturing Firms, Unoccupied Properties
Elitium, a UK-based specialist MGA incubated by Mission Underwriters, has been launched to provide commercial combined insurance for select trades within the manufacturing sector, as well as property cover for well-maintained unoccupied residential and commercial properties. The MGA’s commercial combined …
Michigan Health Care Provider Sued for Race Discrimination
Mid-Michigan Home Health & Hospice LLC, an in-home health care provider of bathing assistance to clients in central Michigan, violated federal law when it did not assign home visits in Grand Blanc, Michigan to a black certified nurse assistant (CNA) …
Commercial P/C Market Softest Since 2017, Says CIAB
Commercial property/casualty premiums across all account sizes in the fourth quarter 2025 were the softest they have been since 2017, according to The Council of Insurance Agents & Brokers (CIAB) quarterly survey. Overall, premiums across all account sizes rose by …





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