Competitive Property and Liability Insurance for Small and Large Groups, plus Health Life, Homeowner, and Auto Insurance, in Laguna Niguel

Life Insurance

Cloud 9 Insurance Agency offers a comprehensive portfolio of life insurance plans that can fit your budget. Do you need just a little bit of coverage to ensure that your family can cover funeral costs? We have it. Do you want the benefits of a complete life insurance package that could also be used as an interest bearing savings vehicle for you or your children? We have that as well. Cloud 9 Insurance can help you find a plan that best fits your specific needs.

Health Insurance

Cloud 9 Insurance Agency offers a comprehensive portfolio of individual health plans with various carriers. These plans include everything from HMO, PPO, FSA, HSA plans and more. We also offer dental and vision plans.

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Homeowners Insurance

For most people, their home is their biggest asset. Homeowners insurance is designed to help protect not only your home but also your personal possessions and personal liability (not to mention that most mortgage companies require it). Cloud 9 Insurance Agency takes a consultative approach in assessing your coverage needs. We even provide additional coverage to protect what you deem to be most important. This could be anything from extra liability coverage, earthquake coverage, extra jewelry coverage, and even extends to additional coverage for collectibles. Also, our policies offer perks such as additional living expense, some jewelry coverage, identity theft, content replacement cost (pays for the cost of repair or replacement without deduction for depreciation), property coverage anywhere in the world, and more without costing you an extra dime.

Condominiums Insurance

Condo insurance is designed to help protect against any loss of your dwelling that would not normally be covered by your HOA insurance.* It also provides some liability coverage. Cloud 9 Insurance Agency offers condominium insurance that can be customized to your needs with competitive rates.

* Unless cause of loss is specifically excluded in your policy

Renters Insurance

Renters insurance is designed to cover your personal property and personal liability.* Cloud 9 Insurance Agency offers extremely affordable policies. These policies may include additional coverage such as some medical payments (if a guest is injured in your residence) and additional living expenses. Extra optional coverage is available. Landlord insurance is also available.

*Subject to exclusions

Auto Insurance

Most people know that auto insurance is designed to help protect you and your family against a financial loss in the event of an accident or other cause of loss. However, buying the right type of coverage can be a frustrating and confusing experience. Cloud 9 Insurance Agency can help simplify the process and provide the appropriate amount of coverage that fits your needs at competitive rates. We’re here to guide you towards a decision that will protect you and save you money.

Personal Umbrella Insurance

Personal Umbrella insurance policies are designed to protect your personal assets and your family’s economic security. For instance, assume that you get in a car accident that is your fault. It ends up being a multiple car pile-up and you are financially responsible. Your auto liability policy may only cover a fraction of the cost. That’s where your personal umbrella policy comes into play. It can protect you against a lawsuit or ruling that could take your personal assets such as your home, savings, cars, and possibly even future wages. Of course, this is just one scenario. Personal umbrella insurance offers a "second layer of protection". The rates for personal umbrella policies can be surprisingly affordable.

General/Product Liability Insurance

Cloud 9 Insurance Agency offers general and product liability insurance for a wide variety of small and large businesses. As an insurance brokerage (we represent you and not one particular insurance company), we can compare different insurance companies to find the best type of coverage with the best price for your business. We offer insurance geared towards many different types of small businesses. This includes (but is not limited to) restaurants, bars, retail, offices, auto service and repair, wholesale distribution, manufacturing, and other types of services.

Condo/Apartment Insurance

Cloud 9 Insurance Agency offers insurance for liability and property damage to your apartment complex. We also offer coverage for your condominium association and homeowner associations. Whether your association or apartment complex is just a few units or larger with recreational facilities, Cloud 9 Insurance Agency has a coverage plan for you.

Contractor Insurance

Cloud 9 Insurance Agency offers insurance solutions for many types of contractor companies such as a general contractor, electrical, plumbing, janitorial, or masonry companies.

Workers Compensation Insurance

By California law you must have workers compensation insurance if you have employees. On-the-job injuries or resultant illnesses can hurt your business in two ways: you could be sued for damages arising from employment-related accidents or diseases, and you could be liable for hospital bills if an employee is injured or has a work-related health problem. Cloud 9 Insurance Agency can help get you covered to avoid this risk.

Group Health Insurance

Getting ready to offer benefits such as health care to your employees but you’re not sure how to go find out what carriers and plans are right for your company? Cloud 9 Insurance Agency will provide a detailed analysis of the different carriers and plans regardless of your company size. We offer plans for all groups.

Commercial Earthquake Insurance

Earthquake insurance coverage is not a part of standard policies in the state of California. However, it can often be purchased separately or added as an endorsement to your current policy. Adding additional commercial earthquake insurance can protect your business and investments.

Event Insurance

Cloud 9 Insurance Agency offers competitively priced insurance coverage that has been specifically designed to meet the needs of venues and facilities that require their event holders to secure their own insurance coverage. Host liquor liability and food product liability can also be included.