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DCD Financial & Insurance Services

DCD Financial & Insurance Services

At DCD Financial & Insurance Services, we deliver superior professional service to a select group of commercial and personal clients, with integrity as the cornerstone of every relationship. Established in 1938, we are a multi-line independent insurance brokerage based in Santa Cruz and proudly serve the entirety of California.
With over 85 years of experience, we consistently secure coverage and competitive premiums that are often unmatched in today’s marketplace. Our team is dedicated to providing insurance products that deliver quality protection at value-driven pricing—always tailored to meet the unique needs of our clients.
We believe in building lasting partnerships—with our clients, our staff, and the insurance carriers we represent—grounded in mutual respect and shared goals. Our success is measured by the trust our clients place in us and their confidence in our ability to exceed expectations in price, service, and experience.

Address

1123 Soquel Avenue
Santa Cruz, California 95062

Office Hours

  • Monday-Friday 8:30 AM - 5:00 PM
  • Satuday-Sunday Closed

Why our clients choose us

“"Very professional and did a great job of presenting choices in an understandable manner"”

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 (MPL), 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

women at office with ipad in her hand
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.

Agents & Brokers

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Small Businesses

Policyholder Help Center

At Coterie, we are putting relationships at the forefront of small business insurance.

If you have any questions, Contact Us Today!