GUARD Insurance Agent in Yuba City, CA
Oakview Insurance Services is an independent agency in Yuba City appointed with Berkshire Hathaway GUARD Insurance Companies. We write GUARD workers' compensation and business insurance for California small businesses, and GUARD is taking new business through our office, subject to underwriting.
Mariah Davis founded Oakview in her hometown of Yuba City in 2010.
- AM Best A+ (Superior)
- Workers' Comp and Business Insurance
- 850+ Five-Star Google Reviews
- CLCS-Designated Agents
- Local Yuba City Office
Small Business Insurance Backed by Berkshire Hathaway
GUARD was established in 1983 and is headquartered in Wilkes-Barre, Pennsylvania. National Indemnity Company, a Berkshire Hathaway subsidiary, acquired the group in 2012, and its insurance companies are ultimately owned by Berkshire Hathaway Inc. GUARD says its aim is to be a leading small business insurance provider nationwide, and it sells through about 5,000 independent agents and brokers. On August 12, 2026, AM Best affirmed the Financial Strength Rating of A+ (Superior) and the Long-Term Issuer Credit Ratings of aa- (Superior) for GUARD's member companies and revised their outlooks from negative to stable.
In California, GUARD is best known for workers' compensation, which AM Best describes as GUARD's core business. GUARD received Insurance Business America's 5-Star Excellence Award for Workers' Compensation in California for 2025, chosen through broker interviews and surveys. GUARD was already writing California workers' comp in 2013, when it brought its businessowners policy to the state. Not every GUARD product is sold here: its disability coverage is offered to New York employers, and the general liability and inland marine product it launched for contractors in June 2026 started in six other states. We confirm what GUARD offers for your business before we quote.
GUARD Coverage Through Oakview
Oakview writes GUARD's commercial lines that are available in California. Coverage is subject to GUARD underwriting, policy terms, limits, and exclusions.
Lead Program
Workers' Compensation
California requires workers' compensation for nearly every business with employees. GUARD builds services around the whole life of a claim. Before an injury, its loss control team helps identify and correct workplace hazards, with online training videos and ergonomic evaluations. When an injury happens, claims can be reported 24/7 with nurse triage, and a physician look-up tool helps connect the employee with care. After the injury, a return-to-work program helps bring the employee back to work. Shorter claims cost less, and your claims history feeds into your experience modification over time.
GUARD lists these as target industries for workers' comp:
- Artisan Contractors
- Auto Service and Repair
- Hotels and Motels
- Professional Offices
- Restaurants
- Retail and Grocery Stores
- Service Businesses
Businessowners Policy
Property and liability coverage in one policy, with optional coverages pre-designed for specific industry groups. GUARD's BOP targets artisan contractors, auto services, apartments and condos, hotels and motels, lessors of buildings, professional offices, restaurants, retail stores, service industries, and wholesalers and distributors.
- Businessowners Policy
Commercial Auto
Coverage for one vehicle or a fleet, with liability and physical damage for vehicles used in the business. GUARD's target classes include artisan contractors, delivery and distribution, professional offices, and service and repair operations. More on our commercial auto page.
- Commercial Auto
Commercial Umbrella
Additional liability limits above eligible underlying GUARD policies, such as a businessowners or commercial auto policy, for businesses whose contracts or exposures call for more than their primary limits.
- Commercial Umbrella
GUARD Policies and Who They Fit
| Coverage | Who it's for |
|---|---|
| Workers' Compensation | Nearly every California business with employees, especially in GUARD's target industries |
| Businessowners Policy | Eligible small businesses that want property and liability coverage in one policy |
| Commercial Auto | Businesses with one vehicle or a fleet used for work |
| Commercial Umbrella | Businesses that need higher liability limits above scheduled underlying policies |
Coverage is subject to GUARD underwriting, policy terms, limits, and exclusions.
Why Work With Oakview on GUARD
GUARD sells through independent agents and brokers, so the agent you choose is the one who builds your program with you. At Oakview, we review your workers' comp and business coverage at renewal, look at how your experience modification and claims history are trending, and compare GUARD against other carriers when that makes sense. GUARD is one of more than 100 A-rated carriers we can access, including our core panel of 30+ direct-appointed carriers plus surplus lines and specialty markets.
Our team is 20 dedicated insurance professionals, and several of our agents hold the CLCS (Commercial Lines Coverage Specialist) designation. Two of our personal lines agents speak Spanish and can help with business and farm policies too. We have earned 850+ five-star Google reviews, and Oakview was voted Best Insurance Agency, Best Agent, and Best Customer Service in the Appeal-Democrat's Best of Yuba-Sutter-Colusa readers' poll, multiple years. Read our reviews on Google, or call us at (530) 674-5054.
Where We Write GUARD Coverage
We work with clients throughout California, with a focus on Northern California and the communities below.
Our Office
Oakview Insurance Services, Inc.
1670 Sierra Ave Ste 303, Yuba City, CA 95993
(530) 674-5054 · info@oakviewins.com
Oakview is licensed in California, Oregon, Washington, Nevada, Idaho, and Arizona.
Yuba-Sutter
Our home base: Yuba City, Marysville, Linda, Plumas Lake, Live Oak, and Wheatland, along with Sutter, Meridian, and Loma Rica.
Butte and Colusa Counties
North of the office we serve Chico, Oroville, and Gridley in Butte County, and Colusa and Williams to the west.
Greater Sacramento
To the south we work with clients in North Natomas, Sacramento, Roseville, Rocklin, Lincoln, and Woodland.
GUARD Insurance Questions, Answered
Is Oakview an appointed GUARD agent?
Yes. Oakview Insurance Services is an independent agency appointed with Berkshire Hathaway GUARD Insurance Companies, and we quote and service GUARD policies from our Yuba City office. We are one of the local independent agencies that write GUARD, not GUARD employees or captive agents.
What is GUARD's AM Best rating?
GUARD's member companies hold a Financial Strength Rating of A+ (Superior) and Long-Term Issuer Credit Ratings of aa- (Superior) from AM Best. AM Best affirmed them on August 12, 2026, and revised the outlooks from negative to stable. Ratings can change, so check AM Best for the current rating.
What does GUARD write in California through Oakview?
Through Oakview, GUARD writes workers' compensation, businessowners policies, commercial auto, and commercial umbrella for California businesses, subject to underwriting. GUARD's disability coverage is sold to New York employers, and its newest general liability and inland marine product for contractors launched in other states in June 2026, so we confirm current availability for your business before we quote.
How can GUARD's workers' comp services help with claim costs?
GUARD offers services before, during, and after a claim: loss control to find and fix workplace hazards, 24/7 claim reporting with nurse triage, a physician look-up tool, and a return-to-work program. Getting an injured employee proper care and back to work sooner can shorten a claim, and your claims history feeds into your experience modification over time. Results depend on your business and your claims.
Which businesses fit GUARD's businessowners policy?
GUARD designs its BOP for artisan contractors, auto services, apartments and condos, hotels and motels, lessors of buildings, professional offices, restaurants, retail stores, service industries, and wholesalers and distributors. Eligibility depends on GUARD's underwriting guidelines for your class and location.
How do I get a GUARD quote in California?
GUARD sells through independent agents and brokers, so your quote comes from an agent like Oakview. You can fill out our online quote form or call (530) 674-5054. For workers' comp, it helps to have your payroll by job class and recent loss runs, but you can start the request before every document is ready.
Why work with Oakview instead of going to GUARD directly?
GUARD works through independent agents and brokers, so you will work with one either way. With Oakview, that agent is a local office that can also quote the other carriers we can access, so if GUARD is not the best fit for your business, we will tell you and show you what is.
Does Oakview serve GUARD clients outside Yuba City?
Yes. We work with clients throughout California, with a focus on Yuba-Sutter, Butte and Colusa Counties, and greater Sacramento. Existing GUARD policyholders can find claims and billing contacts on our carriers page.
Talk to a Local GUARD Agent
Tell us about your business and your workers' comp needs, and we will check whether GUARD is a fit. If another carrier fits better, we will tell you that too.
Oakview Insurance Services, Inc. | 1670 Sierra Ave Ste 303, Yuba City CA 95993 | CA License #0L91635 | (530) 674-5054 | info@oakviewins.com | Licensed in CA, OR, WA, NV, ID, AZ | Berkshire Hathaway GUARD Insurance Companies and GUARD names and logos belong to their respective owners. Oakview Insurance Services is an independent insurance agency appointed with Berkshire Hathaway GUARD Insurance Companies and is not owned or operated by Berkshire Hathaway GUARD Insurance Companies. Coverage is subject to carrier underwriting guidelines and availability. This page is for informational purposes only and is not a commitment to insure.