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Pronoeo Insurance Agency, LLC

Pronoeo means to perceive beforehand and provide with care. We will review your situation and provide you with the insurance protection that will take care of your anticipated needs. Pronoeo is an independent insurance brokerage. This means that we work for the YOU, NOT the insurance company. We have access to hundreds of insurance carriers, so we are able to find the best policy at the best price for you. Whether you are an individual, or have a family or a business that has any kind of insurance need, Pronoeo has the right solution for you. CA Insurance License #0H31978. Pronoeo will help you sort through all the confusing options, get past the hype, understand what your needs are and help you choose the plan that best meets your needs.
Perceiving beforehand, providing with care.


Santa Rosa, California 95405

Office Hours

  • Monday 09:00 AM - 05:00 PM
  • Tuesday 09:00 AM - 04:00 PM
  • Wednesday 09:00 AM - 05:00 PM
  • Thursday 09:00 AM - 05:00 PM
  • Friday 09:00 AM - 05:00 PM
  • Saturday Closed
  • Sunday Closed

Why our clients choose us

“I have known Karen for years as she is always someone getting involved and giving back to our community with a HUGE heart to help others. Karen’s kind and warm heart are the reason that I refer every client, friend, and family member to her. She is knowledgeable, professional, always get back to people in a timely manner, and goes the extra mile to work hard to find her clients the best policies for the best price. She is very honest and if there is an insurance carrier out there that offers a better policy she will advise her clients of that….it’s incredible to find someone in sales who puts her clients needs above her own commissions, but the fact that she does this has made her the only insurance agent I trust 100%. Thank you Karen for all you have done for me, my family, and my referrals. Your amazing! -Kerrie C. - Santa Rosa, CA”
“Karen was able to save me hundreds of dollars per year by just updating my insurance policy. I really appreciated it!”
“Karen is exceptional… prompt, courteous, professional, and friendly. We would use her again in a second.”

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
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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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