Insuring Businesses & Their Families in Paso Robles – Insurance Throughout California

Ted Hamm Insurance began with one simple thought, treat our clients as we want to be treated. We have expanded our client protection offerings every year so that we can do just that. We want to be able to provide the protection you need at the price that works for you.

Insuring Businesses & Their Families in Paso Robles – Insurance Throughout California

Ted Hamm Insurance began with one simple thought, treat our clients as we want to be treated. We have expanded our client protection offerings every year so that we can do just that. We want to be able to provide the protection you need at the price that works for you.


Client Services

Team Photo 09-21-23

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About Ted Hamm Insurance Agency

The agency began in 1978 and has been striving since the very first day to provide our clients the best coverage for their needs at affordable prices.

We started with a very strong agricultural background, having been raised in ranching our first company was the FBI (Farm Bureau Insurance). We use that experience to provide multiple options of insurance to the agribusiness market as well as the commercial insurance market.

When you work with Ted Hamm Insurance, you’ll experience exceptional hometown service and attention to detail you can trust. We are your locally owned and operated Trusted Choice Independent Insurance Agent.

Business Insurance

  • General Liability
  • Professional Liability
  • Workers Compensation
  • Commercial Auto
Auto Insurance

  • Personal
  • Recreational
  • Classic & Vintage
  • Business & Commercial
Home Insurance

  • Primary
  • Rental Dwellings
  • Seasonal
  • Renters

Why People Trust Ted Hamm Insurance Agency to Protect Them

I have worked with Shannon at Ted Hamm Insurance for a few years. This year my insurance carrier canceled my homeowners and Ranch insurance because like many companies they felt we live in a high fire risk area. Shannon worked endlessly to look for options, She and Chris helped me ...

Freedom Street Rods

Shannon at Ted Hamm Insurance handled everything with my claim. She checked numerous times with me on progress and satisfaction of the repairs being done on my kitchen. She was always cheerful and pleasant to work with. I’ve enjoyed working with he over the years.

Martha Hertel

Shannon at Ted Hamm was exceptional. I was in a bind between insurance policies and needed something affordable and needed it quickly! She found me a great quote with all the bells and whistles within a few hours of our phone call and took the time to meet with me ...

Thomas Booth

It feels great to be able to clean up the office and have a place to take old documents to be shred. I really appreciate the Annual Shred Event! It was so easy to drop everything off, and Adan was very helpful and super friendly. Thanks Ted Hamm Insurance Agency!

Heather Swanson

Shannon at Tedd Hamm Insurance is amazing. She is effective in her attention to detail and quite frankly she gets the job done. This is about to be my 3rd year with this company and I love them!

JaNae Thomas

Ted Hamm Insurance is the most helpful and friendliest insurance I have ever been with in all my many decades of having insurance. I can go into the office, call, or email and I always get a quick response.


Sandra and THIA did a great job finding our hard to place insurance, making things easier for us to spend time on our business, and not on the insurance part. Definitely recommend.

Kenneth Humphrey

Shannon Swensson is such a pleasure to work with! She responds to questions and requests immediately, and when she needs information from me she is patient but follows up if I don't respond in a timely manner. In today's day and age it seems that I am usually disappointed because ...

Lilly Massey

We've been with Ted Hamm Insurance for 15 years, great service, great people, great insurance company. I would highly recommend Ted Hamm insurance for all of your insurance needs.

Lola Glossner

We have worked with Ted Hamm insurance for almost 20 years on different types of insurance and have only positive things to say about everyone. Shannon has always been incredibly helpful, very knowledgeable and quick to respond. Last year our insurer cancelled coverage because of our property location. Shannon worked ...

Angelina Palmieri

I have enjoyed doing business with Ted Hamm Insurance. They are considerate and thorough, always asking if there is anything else they can do for me...

John Wilkins

Sandra was a great help in finalizing our worker compensation audit! Couldn't have done it without her! Wyatt Wicks Finish Carpentry, Inc.

Lanie Carter

Catie Ash did great job helping with my questions and getting my insurance card done. She is very knowledgeable and nice


I've worked with Shannon at Ted Hamm Insurance for several years now. She knows everything about insurance, is super-detail oriented, and very responsive. Last year my insurance carrier canceled my homeowners insurance because I live in such a high fire area. Shannon was instrumental in helping me get new coverage. ...

Mark Weber

Meaghan and office staff are a great asset to your company! Needed information right away and within minutes they sent me an email with the information I needed right away. Very happy with service we have received and would recommend Ted Hamm Insurance to my friends and family.. Keep up ...

jeffrey Maines

Ted Hamm Insurance is the best! Lily was wonderful on the phone & extremely helpful!

Natalie Evenson

Very professional, always helpful, go the extra mile. Ted Hamm Insurance has been our insurance provider for 37 years. Shannon our current agent is excellent. I highly recommend Ted Hamm Insurance.

Leslie Abernathy

Ted Hamm Insurance is a team of exceptional people. Every interaction has been professional and has left me feeling well taken care of. The agents are great! JP has always steered me in the right direction and referred me to the proper personnel. I highly recommend this agency!

Brooke Vega

Dealing with everyone at Ted Hamm Insurance is a pleasure. Especially Lindsay! I was recently in an auto accident, Lindsay reached out to check on the status of my repairs and claims handling the whole way. Having been in the insurance business in the past, I know when I'm being ...

Ronda O’Brien

I have had Ted Hamm Insurance handle my policy needs for home, auto and multiple boats for the last three years. Both Lindsay and Catie have handled all my requests promptly and the costs have been more competitive than all insurance companies I have checked with. Formerly an Allstate customer ...

Bert Wollerman

Shannon is my agent through Ted Hamm Insurance and I’ve always had a very positive experience during all my interactions with her. She’s always been very professional, explains things well, and responds quickly to messages. I highly recommend getting any/all insurance needs through Ted Hamm Insurance!

Sarah Constantine

Ted Hamm Insurance is absolutely hands down the best! We have dealt with many insurance companies in the past and are finally 100% satisfied with Ted Hamm Insurance. Chris and the staff go above and beyond in every situation and we are 100% confident that all of our insurance needs ...

Sherry Kostner

Shannon worked hard for us and was able to find a great deal on our home owners insurance. She kept in touch and kept me informed the whole time. I wouldn't use any other insurance company.

Bill Barlogio

I appreciate the quick and efficient service at Ted Hamm insurance. So far everybody has been very nice as well. They’ve also gotten me way better prices. Thanks

Christine Bowman

I had a very pleasant experience with Ted Hamm insurance today. Specifically, Lindsay helped me add a new car to my existing policy in under five minutes. Thanks for your help Lindsay!

Stefanie Pambrun

All the Agents at Ted Hamm Insurance are completely Professional, Honest & Extremely Helpful with all our Insurance needs. Ted, Chris, Meaghan, Shannon, & all the Office Staff, are just great! We have been with them for 30 some years, so we should know.

Tricia Goldstein

Ted Hamm continues to be so helpful with our insurance needs. They are always very responsive and I would highly recommend them.

Shaya Kirkpatrick

Catie Ash was professional and quick with all my questions about insurance for our home.

Katy Griffin

I have had nothing but positive experience with Ted Hamm insurance agency. I have been a client since 2003. I never had to make a claim until just recently and was concerned my rates would increase or worse yet get cancel. I made the claim submitted appropriate documentation, within a ...

Mary Tatum

We're a small groundwater company in Northern California and had been with the same broker for over 10 years. When time to renew our General Liability Insurance, our rates and gone WAY up again. We decided to shop the coverage, so I called Ted Hamm Insurance. Cassandra and team put ...

Leslie Emmens

I have had all my insurance for home and business with Ted and his group for over 2o years. As with any business I have had very complicated and sometimes stressful times. My agent Meaghan has come through and dealt with all our needs in a very positive and prompt ...

David Miller

Every interaction I have had with Tedd Hamm Insurance has been very responsive and they were able to answer my questions right away or resolved any issues in a respectable amount of time. Great crew to work with.

Jeff Railsback

Lindsay from Ted Hamm insurance is amazing! She always offers to assist you with anything you may need and does her best to ensure you are satisfied. She always responds quickly and professionally. She goes above and beyond anytime I need her assistance.

kathryn evenson

If you are looking for an agency that cares about their customers and goes the extra mile to make sure your insurance coverage is correct, this is it! Chris and his team take care of my business insurance. They reviewed my old plan from another provider and were able to ...

william steffenauer

Lindsey Post is always so helpful every time I speak with her! She's the best! Everyone in the office is always very friendly!

Destiny Allen

The employee's at Ted Hamm Insurance are the reason why the insurance company is so good! They are professional, work hard to provide you with great service and leave you with a sense of security for your personal and/or business insurance needs. If you want the best, then contact Connie ...

Wade Moxley

Ted Hamm is a wonderful company that responds quick and takes care of you. The team there has helped my business for many years making sure I meet my insurance needs. Recently my business was awarded a a job that needed a new bond. Within a week I was able ...

Steve Trombley

We have been with Ted Hamm for many years and even though the insurance business in California is ever more challenging, Shannon Swensson and the Ted Hamm team do a wonderful job of meeting our needs. They are extremely responsive and creative in overcoming many obstacles. Thank you all!


Chris and his team have taken care of my insurance needs for many years now. They're always professional, and quick to respond with solutions. I'd recommend Ted Hamm Insurance to everyone!

Nick Newbrough

I've been doing my personal and business insurance with Ted Hamm Insurance for the last few years. Everyone in the office are very friendly and professional, since day one. In the last year or so, Meaghan Mott has been the one, who has helped me with all my insurance needs. ...

Armando Martinez

Chris and his team at Ted Hamm Insurance are far and away the best. Being in the mortgage business, I see first hand on a regular basis as to the care, professionalism and responsiveness that sets them apart. I use their services for my personal insurance and have no reservations ...

todd evenson

Chris at Ted Hamm insurance recently assisted us with updating and implementing new commercial insurance policies. He and his agency were extremely professional and responsive. I would highly recommend his agency for anyone seeking insurance.

Greg Chilina

I have never met someone as passionate about insurance as Chris Raders with Ted Hamm Insurance. He truly cares about clients and helping them get the right coverage for their business or personal insurance needs - and that has been our experience from day one. I would HIGHLY recommend having ...

Margaret Shepard

We've been customers here for more than a couple of years now and have ZERO complaints! I always reccomened their office to friends and strangers looking for a new insurance company. Our representative, Catie, has been the most responsive and beyond helpful to us for anything we need. When we ...

Alexxis Camou

I greatly appreciate the level of excellent Customer Service I receive when contacting the office. Meaghan Mott and the staff at the office are exceptional in helping answer questions and address needs that may need immediate attention. I am grateful for the excellent service provide. 5 stars! =D

Adriana Alegre

I have been with Ted Hamm Insurance since 2014. Any company can offer services, but Ted Hamm Insurance consistently goes above and beyond being just a service business—they are a family business that cares about me and my family. I’m not just an account on the end of the phone. ...

Kaliko Orian

5 stars is quite honestly not enough. We have been and will continue to be loyal customers of Ted Hamm Insurance. It's not just one thing; it's the service, value, professionalism, and even the people. I hesitate to even mention this because I believe that insurance is one area where ...

Mark McConnell

Lindsay was incredible. She was very thorough on the policy and helped me understand exactly what I would get. She was very kind and helpful towards all of my questions. If you are looking for insurance, request Lindsay, you will not regret it!

Mikayla Butcher

The Ted Hamm team is always available when needed. And always polite. It's a pleasure to work with them.

Erik Peterson

Ted Hamm Insurance was easy to work with. Catie Ash communicated with me. Understood my needs and helped me save money while keeping me properly insured. Thank you for all your help. I've already recommended you to a family member.

Charmaine Jay

My husband and I have been extremely happy with the service and attention to detail that the entire Ted Hamm team provides. It gives us great peace of mind knowing that they're on top of all aspects of the various insurances we have.

Arkitek Scientific

Chris Raders and his team are fantastic!! I had a lousy experience with a different insurance broker for my automotive repair shop and since I switched to Ted Hamm insurance, I have been absolutely loan away by the level of expertise, professionalism, thoroughness and quality of their services. As a ...

Obeleo White

Catie at Ted Hamm Insurance was super responsive and helpful in getting our home and car insurance. It is nice to get local help and guidance. I like that they give back to the community too.

Jeanne Serge

Congenial, competent agents with their client's best interests in mind. I would highly recommend doing business with this company.

Marlene Nasralla

Our agent was Meaghan Mott. Meaghan made it so easy to get our new Auto, Home, and Earthquake Insurance, and at the same time lowering our premiums. She calls us periodically to ask if there is anything we need. sometimes just to ask how we are doing. I have been ...

nancy morrill

I have been working with Ted Hamm Insurance for over 10 years. The entire staff is kind and are always there to assist. A huge shout out to both Connie Adams, Shannon Swensson, and Meaghan Mott - they are definitely a power team!

Laura Schuchardt

Lily was very diligent and helpful in keeping our policies up to date and competitive

Mike Passegger

I want to thank Catie Ash for helping me with my car insurance! I bought a new truck a week away from picking it up and she spent time finding me the best policy. She made sure I had everything I needed before I went to pick it up. This ...

Nolan Mott

Lindsay just went above and beyond! I am so thankful for her tireless efforts and hard work! She answered all my questions and really made me feel comfortable and confident through the whole process. No where else I would go for my insurance needs, highly recommend!

Aleeda Ramos

We had the privilege of working with Connie Adams for our business insurance needs. She walked us through all the options and went ABOVE AND BEYOND, even connecting with one of our clients vendor set up programs. I would definitely work with the Ted Hamm Insurance Agency in the future ...

Leslie DeMichele

This insurance agency is incredibly knowledgable and their attention to detail is unparalled. I have never seen customer service on this level and they check in with me periodically to see how I am doing on top of their impeccable attention to my policies for my home, auto, and business. ...

Liz Lee

I had the privilege of working with Connie Adams on a quote for insurance. She was easy to talk to and answered all my questions. I would definitely work with the Ted Hamm Insurance Agency in the future.

Amy Abrahamian

We have had our home and auto insurance with Ted Hamm for years. Very knowledgeable. Being able to talk to a local agent is invaluable. Wouldn't dream of going anywhere else.

Robert Swensson

Sandra was very courteous and friendly and was able to handle all my questions and concerns.

John Butler

Catie was very prompt professional and always kept in touch regarding my needs. Will def reach out to her again in the future.

Gaby GN

Cassandra provides excellent communication and helped me understand my insurance. I highly recommend her for any of your insurance needs!

Cat C

Lily went above and beyond in providing exceptional customer service! Thank you!

Cynthia Garcia

Ted Hamm Insurance team is very professional and prompt. Great experience and Lindsay's customer service was excellent.

Zane Post

Shannon has always been extremely helpful and timely in resolving issues or communicating back. They provide comparisons for coverage. If there is a claim, they are with you every step of the way.


Absolutely best experience I’ve had when dealing with an insurance company, specifically Catherine Ash, she was incredibly helpful and professional throughout the process and went above and beyond to make sure I was taken care of in a timely manner!!!

Mandy Keulen

Wonderful, prompt service with great knowledge and attention to detail. So appreciate Catie.

Venetia Morgan

I had the pleasure of working with Catie and was well taken care of. She took care of my car insurance and provided great communication.

Melissa M

I have found staff to be professional yet most friendly. My requests for service are always met with positive responses and on-point results. I highly recommend this agency for auto/home insurance!

Leonor Rodriguez

I can always count on Ted Hamm Insurance. Especially, when I need something right away. The office staff is so willing to help. Thanks so much for getting me what I need fast!

Monica Erdman

Shannon was very helpful with helping me and husband with our insurance claim. Could not ask for a better representative and will continue our business with her and the company.

Taylor Mesta

You're team was responsive, knowledgeable, and price competitive. Also, was the only agency we talked with that recognized we were landlords for a short period of time after buying our property, which changed the type of policy we required.

Mike Helmuth

Very professional! I highly suggest requesting for Lindsay. She was super helpful, kind and was able to get me a great deal on insurance!

Jacob Butcher

Connie Adams is absolutely amazing! She worked so hard for us and did a fantastic job. Going the extra mile is an understatement. Thank you for everything.

Madison Crimi-DeMichele

I love this company and Meaghan Mott is so helpful and attentive. Absolutely a good choice for your insurance needs. Thanks Meaghan😊

Jeannie Wolfsen

I just want to recognize Lindsay (cant remember her last name) she was very polite and professional. Very friendly and informative. Highly recommended.

Danielle Cone

Excellent, fast, pleasant, and friendly! I got a great quote for my business insurance and was very satisfied with who quickly everything went. Just wonderful!

Tasha Kon

We use them for our Surveying Company, and have been extremely happy with their professionalism and how quick they are to respond when we need anything.

Wenzel’s Wayside

A+++ for best customer service. I know the entire staff at Ted Hamm Insurance is watching out to make sure I have the best coverage for my family.

Jennifer Shafer

I had such a great customer service experience here. The agents were so knowledgeable and helpful in getting me the coverage I needed at a great price.

Danielle Pateras

I have worked with Ted Hamm from the day I started my business and they have gone above and beyond to answer my questions and keep my business moving forward. Timely and work through any issues and paperwork I throw at them!

Casey Nick

Always a good experience, very diligent, and makes you feel like you are important as a customer. We were also offered a better rate compare to other companies.

Suzanne Valoff

They are very friendly and helpful. Very happy with their service!

Olivia Abarca

I called regarding a quote for insurance. Miss Lindsay helped me, and answered all my questions. She is a true gem. Thank you very much!

Kayla Mikel

Great customer service, no complaints and they were able to check other insurance providers to get me the best price. I have been with them for 15 years.

Kristina Callahan

Catie provided amazing customer service! Fast responses and great insurance pricing.

Sarah Rice

Very happy with the team at Ted Hamm Insurance. Always professional and easy to deal with

Kristy Mulanax

Thank you all at Ted Hamm for great service over the years! Looking forward to working with you in the future. Robert Dunning, Dunning Estate Winery Paso Robles

robert dunning

Very communicative, fast response and careful attention to the specific insurance needs. Highly recommend

Miranda Canestro

Lindsey was so helpful and kind!

Giovanny Bernal

Great service with all my insurance questions and needs. Connie creates an excellent customer service experience!

Brandon Dorff

Meaghan Mott said what she could do, then she did what she said, and then she proved it. I'm very happy doing business with a company like this. Thank you.

michael mcghee

Excellent service and follow through.

Denis Degher

Meaghan had the best customer service and treated us like old friends. Thank you!

Tricia McCandless

Need insurance this is the place to be...ask for Lindsey, she is so professional and kind.

Jeanne Serge

Could not ask for a better group of professionals to handle my insurance needs! Very grateful to Chris and his team!

Salena Hanrahan

Everyone at Ted Hamm Insurance is extremely helpful.

Susan L

Lindsay was very professional. I would recommend this business to my friends and family

hannah sampson

Sandra is a good communicator.

Paula Elsey

Great Company!!! Best customer service. Thank you

Alexei Khimenko

Always friendly and helpful!

Sara T

Great rates with even better customer service from Lindsay!

Galen Craig

Lindsay is extremely professional, knowledgeable and helpful.

Wendy Herndon

Catie is great to work with, makes the process easy!

Kacie Mighell

Lindsay is so friendly and knowledgeable!

Tara Syslo

Always easy to work with and fair prices.

Jeff Farber

Lindsay was attentive and very helpful!

Austin Fisher

Incredible customer service

Travis Goldstein

Professional service that provides local expertise.

Noemi Vega

Thank you for leaving us a comment and appreciate your rating! Let us know if there is anything else we can do for you, your friends, or family.

Peter Morrill

A great team of professionals!

Joe Jimenez

Deborah my agent is very knowledgeable and helpful

James Scrivner

Meaghan is great !

Nancy Normile

Always helpful, courteous, and prompt! I enjoy working with everyone here!

mark barone

I am so pleased with my experience with Dawn and Chris! The first time I've ever had an agent want to come and see my business and make sure that the coverage I have will cover me in the event of some mishap. Unfortunately, the agent I've had for 5 ...

Jennifer Golden

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As a Generation X employer, hiring and mentoring millennials makes for interesting situations; but when that millennial is your son, it makes for an even more unique scenario. I struggled with the decision to hire my son after he finished high school. He interned at our agency previous summers, but ...

California No Fault Reform Law: What Does it Mean For You?

  Last summer, I wrote about the California No Fault Auto Insurance Reform law right after it had been signed into effect. Since then, insurance agencies throughout the state have have seen a noticeable increase in call volume. Agents have had the same conversation hundreds of times by now, and ...

Protecting Your California Rental Property

Rental homes have become quite controversial in small towns and communities here in Northern California. Why? Because where one person sees increased traffic, unknown neighbors and events; another sees profit; or at least the ability to have someone else pay the mortgage and utility expenses of their owned property. When ...

How Your Insurance Score Impacts Premiums

We all know that our credit history affects the interest rate we pay for credit cards, home mortgages and auto loans, and that a low credit score can even be prevent us from being able to obtain financing, but a credit score is not what the insurance industry uses in ...

Flood Insurance Becoming A Necessity In California?

We get it – we aren’t a ‘coastal state’, and that is why in California, flood insurance isn’t talked about much; except when required by a Mortgage Company for those purchasing a home and looking for funding. However, as climate changes continue to drastically affect weather patterns, we believe we ...

California Auto Reform Paperwork

Yes, you DID just fill out a bunch of paperwork a few months ago for your auto insurance renewal, and it is time to do it again! When the California Auto Reform was signed into law and took effect on 7/2/2020, the State of California’s Department of Insurance decided that ...

How an Umbrella Protects you From More than Just Rain

With the passage of California’s auto insurance reform now becoming law, the immediate result will be a reduction in MCCA (California Catastrophic Claims Association) fees for all insured drivers. That is the positive; but as in all things, there is a flip side to this major change in law. There ...

California Auto Insurance Reform

The news has been busy recently with photos of Gov. Gretchen Whitmer on Mackinac Island signing into law the long-awaited and strongly controversial auto insurance reform bill that will drastically change our current California no fault insurance. Since clients have already begun to call and email us asking when their ...

Home Sharing Coverage Issues

I’m still living in my home, so why do you need to know that I’m also renting it out?  Unfortunately, this seems to be a common question ‘after’ a claim, not before. This question has become much more common with the home sharing phenomenon that began just 10 years ago.  ...

Full Coverage Auto Insurance

One of the most common requests we receive as insurance agents from clients seeking auto insurance, is a quote for ‘full coverage’.  What does that even mean?  I have been writing auto insurance in California for over 31 years and can’t answer that because I have never seen a policy ...

Replacement Cost vs. Actual Cash Value (New for Old)

You start a load of laundry and head down the road for a neighborhood barbeque.  Upon returning, you find water all over your laundry room and into your carpeted hallway. Regardless what happened or why, most home insurance policies are going to pay for the resulting damage, but not necessarily ...

Adulting is Hard

Yes, we know that adulting is hard, and that sometimes parents hold on too long and too tight when a child needs to take responsibility and do the ‘adulting’ thing. We also know that many times it’s easier and less expensive to still take care of some financial needs for ...

Chargeable Accidents

You swerve to miss a deer and end up in the ditch causing damage to your vehicle from the impact; or perhaps you pull off the side of the road and clip a mailbox, or as winter shows us every year; you slide out of control and strike another vehicle ...

Frozen Pipesicles

  Yes, that’s not even a word, though it does make you envision a topic we run into often in Northern California — frozen pipes. Does your home insurance cover losses that result from pipes freezing and cracking or bursting? Yes and no....with insurance it rarely ever is just one ...

7 Ways To Lower The Cost Of Home Insurance

The price you pay for your homeowner’s insurance can vary by hundreds of dollars, depending on the rates, credits, and endorsements available by your insurance company. Here are some things to consider when buying homeowners insurance. 1. Raise Your Deductible  Deductibles are the amount of money you pay toward a ...

The California Catastrophic Claims Association (MCCA) Refund

California's MCCA has advised that refunds from our Auto Insurance No-Fault Reform Law passed in 2019, are on their way to California auto insurance consumers. Because the changes made by this law resulted in a large surplus in the current MCCA Fund, the law required a refund to consumers of ...

Recreational Vehicle Insurance

                             California Recreational Vehicles Off Premises Whether you enjoy taking a ride on an ATV or seeing the beauty of the US one campground at a time, all recreational vehicles lack liability protection once they leave your owned residence premises, and therefore, need to have separate liability insurance to protect ...

Gap in California Home Policies for Golf Carts

Lets say you purchase a new golf cart to ride around in your neighborhood and perhaps across the street to a local golf course. Did you realize that home insurance policies in the state of California do not cover golf carts once you leave the residence that you own and ...

California Worker’s Compensation Insurance

Workers' compensation insurance is not only a crucial factor when running a business, many times it's required by law, according to the California's Workers' Disability Compensation Act. Not all employers are required by law to carry workers comp insurance, but it is always in the best interest of a company ...

Figo Pet Insurance

Animal lovers know that our pets are a cherished part of the family. So purchasing insurance on them isn’t a new concept. In fact, the first pet insurance policy was sold in 1982. It was issued to television's star Lassie by Veterinary Pet Insurance. Figo pet insurance reimburses you as ...

California Short Term Rental Insurance

   Over the last few years, short term rental (STR) properties have become extremely popular in and around Paso Robles, California. Insuring them has become less costly than when they first began gaining popularity. It’s important to know that you cannot insure a short term rental on most standard, unendorsed ...

Understanding Ordinance and Law

What is Ordinance and Law?  A frequently misunderstood coverage, ordinance and law is a property coverage issue that can be costly to owners of homes or commercial buildings that suffer an uninsured or under-insured ordinance and law issue. Let’s first visit the basic purpose of property coverage.  A property policy ...

Do I Need To Insure My Bike?

  Quiz:  Do you know what a Pinarello Bolide, Dogma F8 Xlight, or a Cervelo P5 is?  Second Question:  Are you aware that they can cost you upwards of $10,000 to purchase?  And last but not least, if you answered the first two questions with a yes, do you realize ...

You Have No Coverage

We understand how upsetting it can be for a client who has paid premiums for years with no claims, to turn one in and hear that it’s simply ‘not covered’ by their insurance.  As an agent for 31 years, I can tell you that having to impart those words or ...

Who Is An Insured?

The question of ‘who is an insured’ doesn’t seem complicated, until a claim is denied by your insurance company due to their decision that someone is simply ‘not an insured’ according to the policy language. No client likes to hear that the coverage they thought they had paid for, isn’t ...

3 Reasons to Review Your Insurance Coverage

  January is a time for new beginnings, and what better way to start the year off right than by reviewing your insurance coverage? Here are three reasons why January is the perfect time to take a closer look at your insurance policies: First, the start of the year is ...

The importance of Homeowners Insurance

  January is the perfect time to review your Thome insurance coverage and make sure you have the right amount of protection for your home and belongings. Home insurance is important for a number of reasons, including protecting your home and belongings from damage or loss due to natural disasters, ...

Living Benefits – The New Modern Life Insurance Policy

  Living benefits insurance, also known as modern life insurance, is a new type of policy that offers policyholders the ability to access their death benefit while they are still alive. This type of coverage is designed to provide financial support for policyholders who may become seriously ill or disabled ...

A Time For Celebration – The Lunar New Year

  The Lunar New Year, also known as Chinese New Year, is a significant holiday celebrated by many Asian cultures, including China, Vietnam, and Korea. The celebration marks the start of a new lunar calendar and is a time for families to come together, exchange gifts, and participate in traditional ...

Preventing Catalytic Converter Theft

What the heck is a catalytic converter and why do people steal them? In short, a catalytic converter is found in your cars exhaust and helps convert environmentally harmful gases into less, environmentally harmful gasses. This helps to reduce the amount of pollutants dumped into the air coming from your ...

How to Jump-Start a Car

When your ride suddenly won’t start from a dead battery, knowing how to use jumper cables is a good skill to have. At first, jump-starting a car can seem like a stressful situation, but you’ll quickly realize it’s one of the easiest ways to start your vehicle. To bring your ...

Are You Prepared for a Disaster?

Disasters such as hurricanes, tornadoes, floods and earthquakes can strike with little or no warning. September is National Preparedness Month, making it a good time for you and your household to make a plan in case you need to evacuate your home or get trapped inside for days. The Federal ...

The Art of Mindful Eating

Taking time to be mindful of your eating process and not focusing on restricting calories could enhance your awareness of the experience, improve your relationship with food and help you lose weight. Mindful eating can be an essential practice in today’s multitasking world. Multitasking while eating can lead to less ...

Business Preservation

Welcome to Ted Hamm Insurance Agency video blog! We will be bringing you insights, tips, and risks to look out for pertaining to the insurance industry and hope you are able to take something away from these videos. Do you own your own business? Is your preservation plan up to ...

Cyber Security When Traveling

Welcome to Ted Hamm Insurance Agency video blog! We will be bringing you insights, tips, and risks to look out for pertaining to the insurance industry and hope you are able to take something away from these videos. Want more insights? Check out our Youtube channel here!  

Changes To Your Home That Can Lower Your Home Insurance Rates

Owning a home can be expensive. Not only must you pay your mortgage, water and electricity bills, but you must also pay for insurance on the home. While most of these expenses can’t be changed, there are ways you can adjust your insurance costs through changes to the home. Add ...

Supreme Court Asked to Resolve Federal Drug Law v. State Medical Marijuana Laws Debate

Supreme Court Asked to Resolve Federal Drug Law v. State Medical Marijuana Laws Debate The U.S. Supreme Court has been asked to address whether the federal drug law that criminalizes possession of marijuana invalidates state orders requiring employers and their workers’ compensation insurers to pay for medical marijuana prescriptions for ...

Founder’s Blog – Personal Cyber Coverage Explained

Today’s society has grown increasingly digital in nature, with many individuals leveraging smart devices within their daily lives. Although this technology can offer various benefits, it can also make individuals more susceptible to cybercrime. Such incidents have steadily become more common and costly. In fact, the FBI reported receiving more ...

Founder’s Blog – U.S. Eliminates Human Controls Requirement for Fully Automated Vehicles

U.S. regulators issued final rules on Thursday that eliminate the requirement for automated vehicle manufacturers to equip fully autonomous vehicles with manual driving controls in order to meet crash standards. Because of safety standards written decades ago that assume people are in control, automakers and technology companies have faced significant ...

General Liability Claims You May Face Working from Home

Working from home or having a business out of your home has a range of benefits, but it also comes with its own set of dangers. While not having a physical location can save you money on property insurance and rent, your general liability risks don’t necessarily decrease. It is ...

Auto Insurance Basics – Know Your Coverage

Do you know what's in your auto insurance coverage? This article covers mandatory and optional car insurance so that you can make informed decisions about which ones fit your budget while meeting your needs. Mandatory Coverage To fully understand how the state mandatory requirements affect you, contact your insurance agent. ...

Prevent Home Insurance Claims with Summer Maintenance

Now that summer has arrived, you're probably looking forward to that well-earned vacation. Before you leave, you need to be aware of conditions in and around your home that could pose a potential hazard. While the kids are home for summer break, get them to help you check things out. ...

3 Ways to Save on Business Insurance

This economy has been tough on many businesses, particularly small ones that don’t generate as much income as larger companies. However, insurance is still an important consideration for every business. Think about the costs of rebuilding after a fire or the losses incurred after an overnight theft. These expenses can ...

Review Your Home Insurance For Coverage Limits

Having homeowners insurance on your property is essential to your own security. After all, it helps you both maintain your property and protect your finances in case of hazardous accidents. However, in order to perform optimally, your policy must be tailored to your property, specifically. You must choose coverage options ...

How Will Home Insurance Cover Your Kitchen Fire

Kitchens are generally the most fire-prone areas of any home. After all, heat is the universal cooking method, and where there’s heat, there is a risk of fire. No kitchen is immune to these fire risks, even if the owner does all they can to institute proper safety and maintenance ...

What Will Home Insurers See As High Risks?

When determining your home insurance premiums, insurers will gauge how much of a risk you are to invest in. If your chances of filing a claim are much higher than those of the average homeowner, then you are likely to pay a much higher premium overall. On one hand, insurers ...

Basic Security Steps For Your Home in 2021

Few things are probably more sacred to you than what lies within the four walls of your home. You go home to feel safe, secure and confident that you will be protected while inside. However, you can’t eliminate every safety threat, particularly those of theft, vandalism, burglary or other unauthorized ...

Questions You Should Ask Before Buying Business Insurance

Protecting your business with the right insurance policy is one of your many responsibilities as a business owner and it is crucial to have the best policy. No two businesses are the same and your insurance needs can vary depending on the industry and other factors. Before purchasing a business ...

The Advantages of Having Life Insurance

Life insurance is a benefit that no family that is concerned for its financial security should do without. It pays a death benefit to your loved ones if you die. However, it can play a role in your financial security in the present day, too. What’s important to you is ...

Do I Need Business Insurance if I’m Self Employed?

Now more than ever, people are turning to themselves for direction and starting up their own businesses. It can be empowering to be your own boss and adhere to your own schedule, but it can also bring a lot of risk—especially if your business deals with clients. Whether you have ...

Business Interruption Insurance Can Help Pay Vendors

An accident in your business might mean that you must temporarily close and therefore lose money. A lack of funds could cause you to miss important financial obligations, including vendor payments. You do not want to damage your relationship with vendors simply because you do not have the money to ...

Should My Truck or Car Be Insured on a Business Auto Policy

Do I Need Business Auto Insurance Knowing when to insure your vehicle on a business or personal auto policy can have some major coverage issues if done incorrectly. In fact, if you insure a commercially used vehicle on a personal auto policy, your insurance company can deny all claims. States ...

A VLOG About Love From The Founder

    Hear it From Ted    February is the month of love. Every February I do one thing for my family. I reevaluate my life insurance. Do I have enough and how much should I have.   How do you get to those numbers. First take your income and multiply ...

The Right Coverage Hello again. It's March. And when I get to March, I think about preparing the ground for a garden. Haven't got ready to plant the seeds yet, but I need to think about what I'm doing. So, what should we be doing right now on our insurance? You probably ...

A Time To Celebrate

    Black History Month, also known as African American History Month, is an annual observance in the United States that highlights the contributions of African Americans to the nation's history and culture. It originated in 1926 as "Negro History Week" and was expanded to a month-long celebration in 1976. ...

Today’s Leaders

Leadership in the 21st century has evolved significantly from what it was just a few decades ago. Today's leaders must navigate an increasingly complex and interconnected world, where they must balance the needs of their organizations with the needs of society at large. One important aspect of leadership in the ...

Opposites Attract

  Opposites attract is a common phrase that people use to describe how individuals with different personalities can form successful relationships. But why do we often find ourselves attracted to people who are different from us? One theory is that we are drawn to people who possess qualities that we ...

Workers Compensation Insurance

Workers compensation: A system established under stat law that provides payments, without regard to fault, to employees injured in the course and scope of their employment. Worker's Compensation Insurance: Insurance against liability imposed on certain employers to pay benefits and furnish care to employees that are injured, killed, or are ...

Fire Season Preparedness In California

As California continues to face annual wildfires it is important to prepare for Fire season. Here are five things you can do to stay safe. Create a space around your home this involves clearing dry leaves branches and any other flammable materials within 30 feet of your home. Develop a ...

What’s an Umbrella Policy?   Personal umbrella insurance is a type of insurance that provides additional liability coverage beyond what your primary insurance policies, such as home or auto insurance, offer. It's designed to protect you from major claims and lawsuits that can arise if you cause an accident or injury to someone ...

Defensible Space

Defensible space is an area around your home that is cleared of flammable materials reducing the risk of wildfire damage. It is important to create defensible space around your home, even if you live in an area that is not considered to be at high fire risk. This space serves ...

What is March Madness

March Madness is a college basketball tournament that is held every year in March. It is a very popular sporting event in the United States, and it is estimated that over 100 million people watch the tournament each year. The tournament was created in 1939 by the National Association of ...

A Message to Siblings

We want to celebrate you! Siblings Day is celebrated on April 10 every year. It was created in 1998 by Claudia Evart, who wanted to honor the special bond between siblings. Claudia's brother, John, died in a car accident when they were young, and she wanted to create a day ...

The Importance of Proper Protection

I want to tell you a story about the couple who thought they would save money by opting for low or minimum coverage limits. Meet John and Mary, a young couple who just bought their first house. Excited to start their life together they decided to save money by selecting ...

A Brief History of May The 4th

If you’re a Star Wars fan, then you’re well aware of May the 4th. Not an official holiday however, for many Star Wars fans around the world this day is celebrated as a holiday.   So where did it all start?   The earliest use, dates to 1978, a year after the ...

What Does FDIC Stand For and What Does It Do?

FDIC stands for the “Federal Deposit Insurance Corporation” and is an independent government agency. Established in 1933, it provides deposit insurance to depositors in the event of a bank failure.   The FDIC was created as a response to the widespread bank failures during the Great Depression leaving many depositors without ...

A coronation is a formal ceremony where a monarch is crowned and officially becomes the ruler of a country. The coronation typically involves religious and ceremonial traditions, such as the anointing of the monarch with oil, the presentation of regalia, and the taking of oaths. The purpose of a coronation ...

A Symbol of Unity: Celebrating Flag Day National Flag Day, celebrated on June 14th, holds great significance not just in the United States but for many nations around the world. This is a day we come together to honor the emblem that represents the values, ideals, and unity of a nation. It’s a time to reflect ...

Business Insurance 101: The Essential Coverages You Need

Ted Hamm Insurance: Protecting California Families and Businesses For over 30 years, Ted Hamm Insurance has been a trusted source of insurance for California families and businesses. Located in beautiful Santa Barbara, our team of experienced agents provides comprehensive protection and personalized service that goes above and beyond. Why choose ...

Workers’ Compensation: A Comprehensive Guide for Employers

Protecting Your California Family and Business: A Guide from Ted Hamm Insurance Ted Hamm Insurance Agency has been a trusted source of insurance protection for families and businesses in California for over 30 years. We understand the unique needs of our clients and are dedicated to providing them with the ...

Commercial Auto Insurance: Protecting Your Business Fleet

Ted Hamm Insurance Agency: Protecting California Families and Businesses Serving the California community with comprehensive insurance solutions. Ted Hamm Insurance Agency is a California-based insurance agency dedicated to protecting families and businesses throughout the state. With a deep understanding of the unique risks and challenges faced by Californians, Ted Hamm ...

Cyber Liability Insurance: Are You Prepared for a Data Breach?

Finding the Right Insurance for Your California Family and Business: A Guide from Ted Hamm Insurance Agency Protecting what matters most doesn't have to be complicated. As a family-owned and operated business, Ted Hamm Insurance Agency understands the unique needs of California families and businesses. We're dedicated to providing personalized ...

Employment Practices Liability Insurance (EPLI): What It Covers and Why It Matters

Protecting Your California Dreams: Insurance Solutions with Ted Hamm Insurance Agency Living in California is a dream for many, with its beautiful landscapes, thriving economy, and diverse culture. But like anywhere else, life in California comes with its own set of risks. That's where Ted Hamm Insurance Agency comes in, ...

5 Insurance Mistakes That Could Cripple Your Business

Protecting Your Family and Business: A Conversation with Ted Hamm Insurance Agency Ted Hamm Insurance Agency, a trusted California-based agency, has been safeguarding families and businesses for over 50 years. With a deep understanding of the local community and its unique needs, they offer a personalized approach to insurance, ensuring ...

Risk Assessment for Small Businesses: How to Protect What You’ve Built

Protecting Your California Dream: Why You Need Ted Hamm Insurance Living in California is a dream for many. The beautiful weather, stunning landscapes, and vibrant culture offer a unique and fulfilling lifestyle. But, like anywhere else, unexpected events can disrupt your peace of mind. That's where Ted Hamm Insurance Agency ...

Finding the Right Insurance Broker: Key Questions to Ask

Peace of Mind for Families and Businesses: Why Choose Ted Hamm Insurance Agency? Protecting the things that matter most, for your family and your business. Finding the right insurance coverage can feel overwhelming, especially when it comes to your family and business. At Ted Hamm Insurance Agency, we take the ...

Insurance Claim Denied? What Business Owners Can Do

At Ted Hamm Insurance Agency, we understand the importance of protecting what matters most - your family and your business. As a California-based insurance agency, we've been serving the community for years, providing tailored insurance solutions and exceptional customer service. Protecting Your Family: * Life Insurance: Secure your family's financial ...

“My Business is Unique” – Understanding Specialized Insurance Needs

For over 50 years, Ted Hamm Insurance Agency has been a leading provider of insurance solutions for families and businesses in California. With a team of experienced and dedicated agents, Ted Hamm Insurance Agency is committed to providing personalized service and comprehensive coverage options to meet your unique needs. What ...

Business Interruption Insurance: Recouping Lost Revenue After a Disaster

Protecting Your California Family and Business: A Guide from Ted Hamm Insurance Agency Are you a California resident looking for comprehensive insurance solutions for your family and business? Look no further than Ted Hamm Insurance Agency, your trusted partner in securing the future of what matters most. Ted Hamm Insurance ...

Product Liability: Protecting Your Business from Lawsuits

Protecting Families and Businesses: Ted Hamm Insurance Agency Ted Hamm Insurance Agency: Your Trusted Partner in California Since 1984, Ted Hamm Insurance Agency has been dedicated to providing comprehensive and personalized insurance solutions to families and businesses throughout California. With a focus on building strong relationships and understanding individual needs, ...

Directors & Officers (D&O) Insurance: Why Your Executives Need It

Protecting Your California Family and Business with Ted Hamm Insurance As a California resident, you know the importance of protecting your family and business from the unexpected. Whether it's a natural disaster, an accident, or an illness, having the right insurance can provide peace of mind and financial security. Ted ...

“Steering Clear of Risk: Top Tips for Protecting Your Business Fleet”

Ted Hamm Insurance Agency: Protecting California Families and Businesses Keeping Your California Dreams Safe Since 1983 Ted Hamm Insurance Agency has been a trusted name in California insurance for over 40 years. We are a family-owned and operated business, dedicated to providing our clients with the best possible coverage and ...

“Don’t Let Accidents Derail Your Business: The Essential Guide to Commercial Auto Insurance”

Ted Hamm Insurance Agency has been a trusted advisor to families and businesses throughout California. We understand the unique challenges faced by our clients, and we are committed to providing them with the insurance solutions they need to protect their dreams. What We Offer: * Personal Insurance: From auto and ...

“5 Things You Didn’t Know About Commercial Auto Coverage (And Why They Matter)”

Ted Hamm Insurance: Protecting California Families and Businesses for Over 30 Years Ted Hamm Insurance Agency is a family-owned and operated insurance agency that has been serving the California community for over 30 years. We are dedicated to providing our clients with the highest level of service and protection, and ...

“Beyond Liability: How Commercial Auto Insurance Drives Business Success”

Protecting Your Californian Dream: Insurance Solutions with Ted Hamm Insurance Living in California is a dream for many. From the sun-kissed beaches to the towering mountains, the Golden State offers a unique blend of natural beauty and vibrant culture. But with this dream comes the responsibility of protecting yourself and ...

“Injured on the Job? Your Guide to Understanding Workers’ Compensation Benefits”

Protecting Your California Dream: Insurance Solutions with Ted Hamm Insurance Agency Living in California is a dream for many. From the sunny beaches to the towering mountains, the Golden State offers something for everyone. But with this dream comes the need for protection. That's where Ted Hamm Insurance Agency comes ...

“The True Cost of Workplace Injuries: Why Workers’ Comp is a Smart Investment”

Ted Hamm Insurance Agency: Protecting California Families and Businesses Keeping your family and business safe is your top priority, and Ted Hamm Insurance Agency is here to help. As a California-based independent insurance agency, we understand the unique needs of individuals, families, and businesses in our community. With over 30 ...

“Protect Your Employees and Your Bottom Line: Navigating Workers’ Compensation in California”

Ted Hamm Insurance Agency: Protecting California Families and Businesses Peace of mind for your most valuable assets. Ted Hamm Insurance Agency is a California-based insurance agency dedicated to protecting families and businesses throughout the state. We offer a wide range of insurance products, from auto and home insurance to life ...

“Workers’ Comp Myths Busted: Separating Fact from Fiction”

Ted Hamm Insurance Agency: Protecting California Families and Businesses Since 1965 For over 50 years, Ted Hamm Insurance Agency has been a trusted advisor to families and businesses in California, providing comprehensive insurance solutions that meet their individual needs. Our Mission: * To provide personalized insurance solutions that protect our ...

“Shielded from the Unexpected: Why Every Business Needs General Liability Insurance”

Ted Hamm Insurance Agency: Protecting California Families and Businesses Ted Hamm Insurance Agency is a California-based insurance agency dedicated to providing comprehensive and personalized protection for families and businesses. With over 20 years of experience, Ted Hamm and his team of experts are committed to understanding your unique needs and ...

“Don’t Risk It All: Understanding the Limits of Your General Liability Coverage”

At Ted Hamm Insurance Agency, we understand that every family and business is unique. That's why we take a personalized approach to insurance, working closely with our clients to understand their needs and goals. Whether you're looking to protect your home, your car, or your business, we can help you ...

“Lawsuits and Liability: How General Liability Insurance Protects Your Business”

Ted Hamm Insurance Agency: Protecting California Families and Businesses Since 1980 Serving the Central Coast with comprehensive insurance solutions Ted Hamm Insurance Agency has been a trusted name in California insurance for over 40 years. As an independent insurance agency, we are dedicated to providing our clients with personalized service ...

“General Liability FAQs: Answers to Your Most Pressing Questions”

Protecting Your California Dream: Insurance Solutions from Ted Hamm Insurance Living in California is a dream for many. From the sunny beaches to the vibrant cities, there's something for everyone in this diverse state. But with this dream comes responsibility, especially when it comes to protecting yourself and your loved ...

“Mistakes Happen: Safeguarding Your Professional Reputation with Professional Liability Insurance”

Ted Hamm Insurance Agency: Protecting California Families and Businesses Protecting your loved ones and your livelihood is paramount. At Ted Hamm Insurance Agency, we understand that, and we're dedicated to providing California families and businesses with the comprehensive insurance solutions they need. We offer a wide range of insurance products, ...

5 Ways Your Business Can Benefit from Workers Compensation Insurance

Ted Hamm Insurance Agency: Securing Your Business and Protecting Your Employees with the Right Coverage Are you a California or Arizona business owner looking for the best insurance solutions to protect your company and your employees? Look no further than Ted Hamm Insurance Agency, your trusted partner for comprehensive business ...

5 Reasons Why Businesses in California Should Consider Ted Hamm Insurance

Ted Hamm Insurance: Your Partner in Securing California & Arizona Businesses Introduction In the ever-changing landscape of business, protecting your assets and employees is paramount. Ted Hamm Insurance, a leading California and Arizona-based insurance agency, provides comprehensive business insurance and workers' compensation solutions tailored to your unique needs. Business Insurance: ...

Ted Hamm Insurance: Your Trusted Partner for Protecting Your Business

Ted Hamm Insurance Agency: Your Partner for Business Insurance and Workers' Compensation in California and Arizona Are you a business owner in California or Arizona? Then you know the importance of protecting your assets and employees with the right insurance coverage. Ted Hamm Insurance Agency is here to help! We ...