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Sarah Pena Insurance Agency LLC

As your local agent in Modesto, California. I help customers all throughout California identify the insurance coverage that best fits their needs. This process is straightforward and personalized to help make you smarter about insurance. I have over 38 years of experience to help you better understand your coverage options. Come visit us behind the Velvet Grill Restaurant at McHenry and Bowen in Modesto, California.

Address

Suite A
2200 McHenry Avenue
Modesto, California 95350

Office Hours

  • Monday 8:30am - 5:30pm
  • Tuesday 8:30am - 5:30pm
  • Wednesday 8:30am - 5:30pm
  • Thursday 8:30am - 5:30pm
  • Friday 8:30am - 5:30pm
  • Saturday By Appointment Only
  • Sunday Closed

Why our clients choose us

“Sarah was very helpful and explained everything to me in a very clear manner.”
“Sarah is a great agent who has helped me navigate the challenging world of small business. She understands all aspects of the insurance industry, especially small business insurance. I would recommend her highly for your insurance needs.”

We offer the following coverages for small businesses

General Liability (GL) Insurance

General Liability is the most common form of insurance for small businesses, as every single professional is required to have some form of general liability coverage. Coterie offers both standard, year-long policies, as well as flexible duration, project-based coverage through our partners.

Business Owners Policy (BOP)

A Business Owners Policy (BOP) is more versatile, and protects both a business owner’s business and property – all in one package (typically combining General Liability and Property Insurance). This type of insurance for small businesses can reimburse the policyholder for damaged personal property.

Professional Liability Policy (PL)

Professional Liability (PL), also known as Errors and Omissions, a type of liability insurance that covers you for failure to uphold contractual promises in mostly service-based professions.

General Liability Insurance
Business Owners Policy
Professional Liability Insurance

Why we trust Coterie Insurance

Coterie Insurance was built from the ground up to empower small businesses and insurance agents with:
  • Affordable and competitive pricing
  • Streamlined insurance quotes reducing the lengthy, time-consuming application process
  • Flexible coverage options designed for today’s small & micro businesses
  • Coverage backed by A+ rated (excellent) licensed insurers and reinsurers
  • Professional claims handling – when the unexpected occurs, Coterie is there to help
Construction Insurance: Why It's Important for Your Business
You have better things to think about than insurance

Through our partnership with Coterie Insurance, invest your time where it matters most — running your business — and enjoy the peace of mind that your hard work is protected by an insurance policy that meets your needs.

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