Redding

About Redding

Insurance in Redding, CA

Inszone writes insurance in Redding, CA from our office at 833 Mistletoe Lane, Suite 102. The office is in east Redding, a few minutes from I-5 and a short drive from the Sundial Bridge and Turtle Bay.

This office was McFarland Commercial Insurance Services, a Redding commercial agency founded in 1981, and it joined Inszone with its commercial book. Policies carried over. Michelle Moore and Shelly Imhoff, our Commercial Lines Account Managers, work from this office with Shasta County employers, contractors and property owners.

Inszone’s Redding insurance agency coverage starts with the business and extends to households, as we represent many carriers rather than one. Contractors, property managers, professional firms and service companies each have their own markets, and an independent agency can place each account with the carrier whose terms suit it.

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Personal Insurance in Redding, CA

Redding households are quoted through Inszone’s personal lines team, with this office as your starting point, for homeowners, renters, condo and landlord policies, auto, personal umbrella liability, and motorcycles, boats, RVs and classic cars.

Drivers comparing car insurance in Redding, CA should know California raised its liability minimums on January 1, 2025, to $30,000 per person, $60,000 per accident and $15,000 for property damage. When we quote auto insurance in Redding, CA, we price higher limits alongside the minimum, because anything above your limit comes out of your own assets.

Wildfire is a large part of any home insurance conversation in Redding, CA. The 2018 Carr Fire burned into neighbourhoods on the west side of the city, and much of the land around Redding is mapped as high or very high fire hazard severity zones. When a standard carrier declines, homeowners insurance in Redding, CA can often still be placed with another admitted carrier, a surplus lines carrier, or as a residual-market fire policy paired with a difference in conditions policy for the coverage the fire policy leaves out. Earthquake and flood are excluded from standard homeowners policies and are written separately.

Renters insurance in Redding is usually quick to set up, and some leases ask for proof of a policy at move-in. Health insurance and Medicare plans in Redding, CA are available through Inszone’s health and benefits team.

Business Insurance in Redding, CA

Commercial insurance is the core of this office’s book. For Redding and Shasta County employers we place general liability, commercial property, business owner’s policies, commercial auto, workers’ compensation, inland marine, professional liability and surety bonds, for contractors, property managers, retail, restaurants and service businesses. Business insurance in Redding, CA usually starts with the contract or lease that sets the limits, and we turn certificates and additional insured endorsements around quickly.

On a construction project, course of construction insurance is property insurance for the building while it is being built or renovated. It is the term California contracts often use for what other states call builders risk. It is usually bought by the owner or general contractor, is typically written for materials and work in place on site and in transit, and ends when the project is complete or occupied. Terms vary on theft, testing and soft costs, so the form matters as much as the limit.

For professional firms, errors and omissions insurance in California answers claims that a mistake, oversight or missed deadline in your professional work caused a client a financial loss, including defense costs. Architects, engineers, real estate professionals, consultants and technology firms are among the businesses that carry it, often because a client contract requires it.

California requires workers’ compensation from the first employee, with no small-employer exemption. Contractors in five classifications must carry it even with no employees at all, and payroll by class code and the year-end audit drive what a Redding employer actually pays.

Inszone Insurance agency near me

Our Redding insurance office is open Monday to Friday, 8:00am to 4:30pm, with weekends by appointment. Call 877-917-5400, use the quote form on this page, or come by 833 Mistletoe Lane, Suite 102.

From Redding we work with businesses and households across Shasta County and the north state, including Anderson, Cottonwood, Palo Cedro and Red Bluff. As an insurance broker in Redding, CA, we compare carriers for each account rather than placing everything with one. Whether you are starting a build that needs course of construction coverage, adding E&O to meet a client contract, setting up workers’ compensation for a new crew, or placing a home after a non-renewal, our insurance agents in Redding, CA can talk through the options available for your situation.

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FAQs

What is course of construction insurance?

It is property insurance for a building under construction or renovation, also called builders risk. It is usually bought by the owner or general contractor, is typically written for materials and work in place, on site and in transit, and ends when the project is completed or occupied. Policy terms vary on theft, testing and soft costs, so a specialist can compare forms before the project starts.

My Redding home insurance wasn’t renewed. What are my options?

The usual order is to re-shop the admitted market, then surplus lines carriers, and if neither will write the home, a residual-market fire policy paired with a difference in conditions policy for the coverage the fire policy leaves out. Defensible space and home hardening can also help with some carriers. A specialist can walk through which options are open for your address.

Does my Redding business need workers’ compensation insurance?

Yes, if you have employees. Under California Labor Code section 3700, every employer with one or more employees must carry workers’ compensation, with no small-employer exemption. Five contractor classifications must carry it even with no employees at all: C-8 Concrete, C-20 Warm-Air Heating/HVAC, C-22 Asbestos Abatement, C-39 Roofing, and C-61/D-49 Tree Service. Other licensees can file a no-employee exemption until January 1, 2028.

What are the minimum auto insurance requirements in California?

California requires liability limits of at least $30,000 per person, $60,000 per accident, and $15,000 for property damage. Those limits took effect January 1, 2025, the first increase since 1967, and they rise again to $50,000 / $100,000 / $25,000 on January 1, 2035. The minimum keeps you legal, but anything above your limit comes out of your own assets.

Is this the same office that was McFarland Commercial Insurance Services?

Yes. McFarland Commercial Insurance Services joined Inszone Insurance, and this office continues its commercial book from 833 Mistletoe Lane, Suite 102 with the same phone number, 877-917-5400. Policies carried over.

How do I get a quote from your Redding insurance office?

Call 877-917-5400 or use the quote form on this page, and come by 833 Mistletoe Lane, Suite 102 if you would rather do it in person. For business coverage, have your revenue, payroll by class code, recent loss runs and any contract insurance requirements to hand; for a construction project, the contract value and schedule; for a home or car, your current declarations page and any non-renewal notice.