Insurance guidance for the business you built—and the future you are building.
David Zarate Insurance Services helps business owners protect their operations and helps individuals prepare for retirement with life insurance and annuity strategies tailored to their needs.
Coverage that reflects how your business actually operates.
Every business has a different combination of people, property, vehicles, contracts, and operational risks. We help identify those exposures and organize the coverage discussion around them.
Workers’ Compensation
Coverage for work-related injuries, employer obligations, and the financial impact of employee claims.
Learn more →Commercial Property
Protection for buildings, equipment, inventory, business personal property, and related exposures.
Learn more →General Liability
Protection against certain claims involving bodily injury, property damage, and business operations.
Learn more →Auto & Fleet
Coverage considerations for owned, hired, and non-owned vehicles, drivers, and fleet operations.
Learn more →Beyond simply asking for a quote.
Price matters, but coverage structure, accurate information, loss history, safety practices, and carrier fit can matter just as much.
- Review key business operations and exposures
- Identify gaps, outdated assumptions, or missing information
- Organize underwriting details for a stronger submission
- Discuss practical risk-control priorities
A practical approach to risk, coverage, and improvement.
For commercial clients, the insurance process should support better decision-making—not just produce another stack of documents. The goal is to understand what can go wrong, how coverage responds, and where practical improvements may reduce avoidable losses.
Understand the operation
Review the business, workforce, locations, vehicles, equipment, and contracts.
Evaluate key exposures
Focus on the risks that can create serious claims, interruptions, or financial pressure.
Build a clearer insurance strategy
Match coverage priorities to the client’s operations, goals, and available market options.
Retirement planning should feel understandable—not overwhelming.
Life insurance can help protect the people and obligations that matter most. Annuities may help address retirement income, accumulation, or principal-protection goals, depending on the product and the client’s circumstances.
Questions we can help you think through
- How much life insurance may be appropriate?
- What income may be needed during retirement?
- How comfortable are you with market risk?
- Which funds need liquidity and which may be longer-term?
- How do beneficiaries fit into the plan?
Let’s discuss what you need to protect.
Whether you are reviewing a business renewal, adding vehicles or locations, addressing Workers’ Compensation costs, or exploring retirement options, start with a straightforward conversation.