Protect your company, your people and everything you’ve worked to build. Dream Safe compares business insurance and employee benefits from multiple carriers to find the right coverage for your needs — with one experienced broker there to help from quote to renewal.
Whether you run a growing company, employ a team of 50 or 500, or simply want the right coverage for your home and family, you work with the same licensed broker who knows your business.
Coverage for your work, your vehicles, your property and your crew, plus the certificates your clients ask for.
Medical, dental, vision, life and disability plans, plus FSA, HSA, voluntary and ancillary programs for growing California employers.
Auto, home, umbrella and life insurance for you and the people who depend on you, from the broker who already knows you.
We work with employers across California. Pick your industry to see what businesses like yours usually need.
Don’t see your industry? We insure many other California employers.
Growing California employers have real leverage in the benefits market. We compare plans and costs across carriers, explain them in plain language, and help you and your employees through enrollment and every renewal.
Your business is only part of what you’ve built. We also insure homes, cars, boats and campers, and help families choose life insurance, so everything you care about has the same broker looking out for it.
Most of our clients come to us through referrals from people we already help. Here’s what they tell their friends.
We’re not tied to one insurance company. We compare multiple carriers and explain the differences in plain language.
A family-owned brokerage built on long-term relationships with California businesses. We know the industries, the regulations and the communities we serve.
Business insurance, employee benefits and personal coverage with one broker, so nothing falls through the cracks.
Renewals, policy changes, certificates, audits and questions. You call the same person every time.
No call center and no runaround. You work with one licensed broker from the first conversation to every renewal.
Your business, your team, your home and cars, or all three. Share what you have today and what worries you.
We compare options from multiple carriers and walk you through them in plain language, so you can decide with confidence.
We handle renewals, changes, certificates and questions as they come up, and review your coverage with you each year.
Dream Safe Insurance helps business owners, employers and families across California with three kinds of coverage:
Many of our clients use all three. A business owner often needs coverage for the company, benefits for employees, and a home and cars to insure at the same time. Keeping them with one broker makes gaps easier to spot and gives you one person to call.
Business insurance is usually a small set of policies, each built for a different risk. The most common pieces are general liability, commercial auto, property and equipment coverage, umbrella limits and workers’ compensation.
Some coverage is required. In California, workers’ compensation is mandatory for every employer with at least one employee. Vehicles need auto liability coverage. Beyond the law, your contracts, landlords and lenders often set their own requirements, including specific limits and certificates of insurance.
We work with mid-size and growing companies across a range of industries — from construction and trucking to professional services and manufacturing. Our industry pages explain what businesses like yours usually need.
Good benefits help you hire and keep good people, and mid-size employers have strong options. Plans can include group health, dental and vision insurance, group life and disability coverage, and voluntary benefits that employees pay for themselves.
A few points worth knowing:
We help you compare plan designs and costs, explain the options to your team, and manage enrollment and renewals. See employee benefits for more.
The same broker who handles your business can look after your home, cars and family.
If you run a business from home or drive a personal vehicle for work, tell us. Personal policies often limit coverage for business use, and we can help close that gap.
A captive agent works for one insurance company. As an independent broker, we can compare options from multiple carriers and show you how they differ on coverage, exclusions and service, not only on price.
The bigger benefit for most clients is continuity. You have one licensed broker who knows your business, your benefits and your personal coverage, and who reviews them with you at renewal or when something changes, such as a new hire, a new vehicle or a new home.
We serve businesses and families throughout California — from Los Angeles and Orange County to San Diego, the Bay Area, Sacramento and the Inland Empire. Whether you are across town or across the state, most of our work happens by phone, email and video, so location is never a barrier. See the areas we serve.
Yes. We handle all three, and many clients use us for more than one. Your policies may still be with different carriers, but you have one broker who can see the whole picture and help you avoid gaps or overlaps.
A captive agent represents one insurance company and can only offer that company’s products. An independent broker works with multiple carriers, so we can compare options and help you choose the coverage that fits.
In California, workers’ compensation is required for every employer with at least one W-2 employee. We focus on businesses with five or more W-2 employees, where the right policy and carrier match can make a real difference in cost and coverage. Many general contractors and clients require workers’ compensation from every business they hire, regardless of size, so it is often worth carrying even when the strict legal threshold does not apply to you.
Yes. We specialize in growing California employers, where experience-rated plans give you more flexibility and often better pricing. We also work with smaller groups and can help employers of any size find the right fit. Dental, vision and voluntary plans are available to many groups regardless of size. We can walk you through what your team qualifies for and where you will get the best value.
Usually only in a limited way. Many homeowners policies restrict coverage for business property and business liability, so a separate business policy or an endorsement is often needed. Tell us what you do from home and we will review it.
At least once a year at renewal, and any time something changes: new employees, new vehicles, new equipment, a move, a new home or a new family member. Those changes can affect what coverage you need.
Most of our business comes from referrals from people we already help. Read what our clients say about working with Dream Safe, in their own words, on our Google Business Profile.
“My late wife Ruth would work with Nate Fraser to find the insurance that would best suit our needs. She was always very effusive when describing what it was like to work with Nate Fraser. She said he was the most professional person she had worked with. After my wife passed I got to work with Nate, and I can wholeheartedly agree with my late wife. Nate is absolutely the best insurance agent I’ve worked with, and is certainly just on a human level an outstanding person.”
“Our agent Nate Fraser is super professional + efficient. As a producer at a rapidly growing production company, COI’s are vital + insurance knowledge is a life saver. Nate is always available to answer our questions and he reaches out to us with suggestions that help guide us when he thinks about us. Grateful to have such a dependable guy.”
“Nate was extraordinarily thorough and thoughtful in finding the best fit for our umbrella, home and auto policies. He guided us through the all options, answered all our questions with patience and candor, and found us an outstanding deal. His honesty, diligence, and excellent communication made the process a breeze. I would recommend his services to anyone. Thanks for everything, Nate!”
Serving businesses and families throughout California. Call, email or send your request online.
Tell us what you need. A licensed broker will follow up to talk through your options.
