The Short Answer

An independent insurance brokerage is not tied to one company. We represent you — not the carrier. That means when something goes wrong with your coverage, we are on your side of the table, not theirs.

How It Works in Practice

When you buy insurance through a big-name carrier directly — think geico.com or a State Farm office — you are buying their product. The agent works for them. Their job is to sell you their policies.

When you work with an independent brokerage like Nadler, we shop across dozens of carriers to find the best fit for your situation. Same coverage, often better price, and someone who will actually pick up the phone when you need to file a claim.

Why It Matters Even More in the Bay Area

San Francisco and the Peninsula have some of the most complex insurance markets in the country. Earthquake risk. Wildfire zones. High property values. A captive agent selling you one company's product is unlikely to find you the right combination of coverage. An independent broker will.

Nearly a Century of Doing It This Way

Nadler Insurance has been independent since 1927. Four generations of our family have built their reputation on one thing: being the person in the room who is actually looking out for the client. That is not going to change anytime soon.

If you have questions about your own coverage — or you just want to understand what you have — we are always happy to talk. No pressure, no sales pitch.