With over 20 years of experience working with Bay Area businesses, DiNicola is uniquely qualified to help you understand your risks and tailor a program that covers all of your specific needs.

We can also assist with implementing loss control and risk management strategies that will help your business minimize losses and further reduce insurance premiums.

DiNicola also provides employee benefits programs to help businesses attract and retain talent. You’ll find choices and flexibility in the plans and products we offer, which is key in today’s benefits environment.

We can help you provide your employees with Consumer-Driven Health Plans; Group Health, Life, Long-Term Care, and Disability; Retirement programs; Voluntary Benefits; and Wellness Programs.

For wholesalers, there are risks associated with buildings, office equipment as well as purchased property not yet removed from the warehouse.

Workers who deliver, load and unload goods must have insurance. You should have forklift Insurance, which is separate from other equipment and vehicle coverages. With the rate of internal theft, a crime insurance policy is important. For those who ship overseas, consider ocean marine insurance for your cargo and global business insurance.

We offer business income from dependent properties coverage, product liability and product recall insurance, brands and labels coverage, inland marine for your movable or specialty property, operations and premises liability, and automatic changes in contents coverage limits based on seasonal fluctuations in inventory.