Our Products

Agriculture

WSR specializes in agri-business with roots in Northern California and beyond dating back to 1917. We have a proud tradition of protecting a wide variety of agri-business activities. Farmers face unique challenges and threats stemming from the changing seasons, labor force, and government regulations.

Our advisors want to build a narrative that recognizes you are more than what an equipment list, payroll, and claims history will tell. Creating a personal story typically leads to lower prices and better coverage so that you can focus on what you do best – running your business.

 

Industries Served:

  • Dairy
  • Seed dealer
  • Row / field crop
  • Cattle rancher
  • Orchard
  • Trucking
  • Vineyard / winery
  • Food processing
  • Millers and packers
  • Warehousing

 

Available Products:

  • Farm / Ranch Packages
  • Crop Insurance
  • Umbrella Liability
  • Workers Compensation
  • Auto Liability & Physical Damage
  • Warehouse Legal liability
  • Employee Benefits – Life & Health

Business Insurance

WSR knows how important it is for our clients to operate their business efficiently and profitably. Every business faces unique challenges and threats stemming from the ever-changing economy, labor force, and government regulations.

Our advisors want to build a narrative that recognizes you are more than what an equipment list, payroll, and claims history will tell. Creating a personal story typically leads to lower prices and better coverage so that you can focus on what you do best – running your business.

 

Risk Solutions:

  • Workers compensation
  • General and excess liability
  • Auto fleet l Wholesale
  • Property and equipment
  • Employment Practices liability
  • Cyber and network security threat
  • Directors & Officers liability
  • Professional errors & omissions
  • Employee benefits – Life and health

 

Industry Capabilities:

  • Commercial Auto
  • Commercial Trailer – Inland Marine
  • General Liability
  • Liquor Liability
  • Workers Compensation
  • Employee Benefits – Life & Health
  • Directors & Officers Liability
  • Umbrella Liability

Health Insurance

Our clients tell us that labor and human capital are the most expensive and risky part of running a company. They also say a skilled and productive work force is the most important asset to running a successful business. Our advisors want to help you compete for the very best workers while giving them peace of mind, so they become a long-term and productive employee.

Our mission is to make HR compliance easy and use the open enrollment season as an opportunity for you to shine as an employer. A carefully crafted benefits package can often lead to lower prices and better coverage allowing you to achieve greater heights with your greatest asset – your employees.

 

Products and Services:

  • Medical
  • Vision
  • 401(k)
  • Cafeteria / 125 plans
  • Employee assistance
  • Dental
  • Life Disability
  • Legal
  • Cobra
  • Enrollment Meetings

Personal Insurance

Your home is perhaps your most valuable possession, and you’ll want to do your best to protect it in a crisis. Our goal is to learn about your family’s unique needs and provide peace of mind with a variety of products.

As an independent agency in your community since 1917, we can look at a multitude of carriers to ensure you have the best protection at the best prices.

 

Products and Services:

  • Home
  • Auto
  • Renter’s
  • Boat / yacht / RV
  • Motorcycle
  • Life and Health
  • Flood
  • Earthquake
  • Personal umbrella liability
  • Jewelry / furs / fine arts

Click here for a Auto Quote

Click here for a Homeowners Quote

Crop Insurance

WSR Insurance services understands the financial risks involved with owning an agricultural based business. Our team of agents work diligently to stay updated and informed on products designed for optimizing risk management. We are constantly looking at new insurance programs, that provide benefit to our farmer/rancher clients. Our agents have an agricultural background and are familiar with the industry and the perils that come along with it.

 

Available Products

Lack of Rainfall
This product is designed for grazing, hay and locations where bee hives are placed to protect against dry weather in two-month intervals. It is an area-based risk management tool that we have been working with since its inception in the western states in 2012. We are endorsed and partnered with both California and Nevada Cattlemen’s Associations. Our agents work to customize a risk management policy to fit every budget.

Grain & Pasture Fire
WSR works to provide a variety of products that protect against losses due to fires. We can cover grass values along with equipment and material including, fencing and structures. We have an exclusive partnership that also allows us to insure BLM and Forest Service ground in the Western United States.

Livestock Risk Protection (LRP)
This risk management tool is designed to protect against market volatility by using the CME index as a baseline to livestock market values. Offers are made for a variety of contract term lengths and insurable coverage prices.

Equine Mortality
Our agents work with a network of carriers to provide many options to insure the value of your equine or bovine animals.

Multi-Peril Crop Insurance (MPCI)

Whole Farm Revenue Protection 
This is an exciting relatively new risk management tool that allows farmers and ranchers an opportunity to insure their revenue for their entire operation. This product is based upon tax returns and a detailed operating budget.

 

Other Commodities Include:

  • Pasture, Rangeland & Forage (PRF)
  • Almond Coverage
  • Corn Coverage
  • Grape Coverage
  • Olive Coverage
  • Apiculture
  • Rice Coverage
  • Tomato Coverage
  • Walnut Coverage
  • Wheat Coverage

We have producers licensed in the following states

  • Alabama
  • Arizona
  • Arkansas
  • Colorado
  • Florida
  • Georgia
  • Hawaii
  • Idaho
  • Illinois
  • Iowa
  • Kansas 
  • Louisiana 
  • Maine
  • Maryland
  • Massachusetts
  • Michigan
  • Minnesota
  • Mississippi
  • Missouri
  • Montana
  • Nebraska
  • Nevada
  • New Hampshire
  • New Mexico
  • New York
  • North Carolina
  • North Dakota
  • Oklahoma
  • Oregon
  • Pennsylvania
  • South Carolina
  • South Dakota
  • Texas
  • Utah
  • Washington
  • Wisconsin
  • Wyoming
Pasture, Rangeland & Forage Grid Locator: https://prodwebnlb.rma.usda.gov/apps/prf

 

Contact Us

Contact Us

509 Bush Street
Woodland, CA 95695

530.662.9181

info@wsrins.com

www.wsrins.com

CA # 0B48084 

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