Zenith Insurance Agent in Yuba City, CA
Oakview Insurance Services is an independent agency in Yuba City appointed with Zenith, and we write Zenith workers' compensation and Zenith Agribusiness Solutions farm and agribusiness coverage. Zenith is based in California, and its agribusiness program is designed specifically for California agriculture.
Mariah Davis founded Oakview in her hometown of Yuba City in 2010.
- AM Best A (Excellent)
- Workers' Comp and Agribusiness
- 850+ Five-Star Google Reviews
- AFIS Farm-Certified Advisors
- Local Yuba City Office
A California Workers' Comp Carrier With an Ag Program
Zenith is based in Woodland Hills and has been part of Fairfax Financial Holdings since 2010. Zenith is known for workers' compensation, which it writes through independent agents and brokers. In October 2025, AM Best affirmed a Financial Strength Rating of A (Excellent) and a Long-Term Issuer Credit Rating of a+ (Excellent) for Zenith Insurance Company and ZNAT Insurance Company, with stable outlooks.
AM Best describes Zenith as focused on workers' comp in California and notes that its work in agricultural workers' comp led it into related property and casualty coverage. That is Zenith Agribusiness Solutions, which writes farm, commercial property, general liability, commercial auto, and commercial and farm umbrella coverage designed for California agriculture. When the unit launched in 2011, it was based in Zenith's Roseville office and sold only through local independent agents.
Zenith Coverage Through Oakview
Oakview writes Zenith workers' compensation and Zenith Agribusiness Solutions. Coverage is subject to Zenith underwriting, policy terms, limits, and exclusions.
Lead Program
Zenith Agribusiness Solutions
Coverage for California farms and ag businesses, from the farmhouse and outbuildings to the trucks, equipment, and liability that come with running the operation. Property is subject to underwriting and Zenith's capacity in the area, and homes and buildings in high fire areas are often limited. Four of our advisors hold the AFIS farm insurance certification. Learn more on our farm and agribusiness insurance page.
- Farm
- Commercial Property
- General Liability
- Commercial Auto
- Commercial and Farm Umbrella
Workers' Compensation
Zenith workers' comp for California employers, including farms and ag businesses with seasonal and year-round crews. For how California workers' comp works in general, see our workers' compensation insurance page.
- Workers' Compensation
Zenith Policies and Who They Fit
| Coverage | Who it's for |
|---|---|
| Workers' Compensation | California employers, including farms and ag businesses with seasonal and year-round employees |
| Farm | Farm families with a home, outbuildings, and farm operations on the same property |
| Commercial Property | Ag businesses with buildings, equipment, and inventory, subject to underwriting and capacity |
| General Liability | Farms and ag businesses that need protection from third-party injury and property damage claims |
| Commercial Auto | Farm trucks and other vehicles used in the operation |
| Commercial and Farm Umbrella | Operations that want higher liability limits above scheduled underlying policies |
Coverage is subject to Zenith underwriting, policy terms, limits, and exclusions.
Why Work With Oakview on Zenith
Farm operations in the Sacramento Valley often need workers' comp, property, liability, and auto that work together. We know the crops and the seasons here, check your class codes and experience mod, and can submit your Zenith workers' comp and agribusiness coverage together where it fits. Zenith 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, so if Zenith is not the right fit we can quote the others in the same conversation.
Four of our advisors hold the AFIS farm insurance certification. Our team is 20 dedicated insurance professionals, and 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 Zenith 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 employers in North Natomas, Sacramento, Roseville, Rocklin, Lincoln, and Woodland.
Zenith Insurance Questions, Answered
Is Oakview an appointed Zenith agent?
Yes. Oakview Insurance Services is an independent agency appointed with Zenith. We write Zenith workers' compensation and Zenith Agribusiness Solutions farm and agribusiness coverage. We are a local independent agency that can quote and service Zenith policies, not a Zenith employee or a captive agent.
What is Zenith's AM Best rating?
AM Best affirmed a Financial Strength Rating of A (Excellent) and a Long-Term Issuer Credit Rating of a+ (Excellent) for Zenith Insurance Company and ZNAT Insurance Company in October 2025, with stable outlooks. Ratings can change, so check AM Best for the current rating.
Does Zenith write more than workers' comp?
Yes. Zenith is best known for workers' compensation, but its Zenith Agribusiness Solutions unit writes farm, commercial property, general liability, commercial auto, and commercial and farm umbrella coverage designed for California agriculture. Oakview writes both Zenith workers' comp and Zenith Agribusiness Solutions.
Does Zenith insure farms in the Sacramento Valley?
Yes. Zenith Agribusiness Solutions is built for California farm and agriculture operations, and Oakview writes it for Sacramento Valley operations. Whether a particular operation fits depends on Zenith's underwriting guidelines. Four of our advisors hold the AFIS farm insurance certification.
Can Zenith write my farm's workers' comp and property together?
For eligible operations, yes. Zenith writes both workers' compensation and agribusiness property and casualty, so we can submit them together, subject to underwriting. Each line is underwritten on its own, so one can be approved without the other.
Will Zenith write farm property in high fire areas?
Sometimes. Property in high fire areas is limited with every carrier we work with, and Zenith decides each submission based on underwriting and its capacity in the area. The location, the buildings, wildfire mitigation, and loss history all shape the decision, so availability varies by property and location.
How do I get a Zenith quote in California?
Zenith works through independent agents and brokers, so your quote comes through an agent like Oakview. You can fill out our online quote form or call (530) 674-5054. You can start the request before every document is ready.
Why work with Oakview instead of going to Zenith directly?
We know the farm and agribusiness operations in our area, we check your class codes and experience mod, and we can compare Zenith with the other carriers we can access. If Zenith is not the best fit, we will tell you and show you what is.
Does Oakview serve Zenith 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 Zenith policyholders can find claims and billing contacts on our carriers page.
Talk to a Local Zenith Agent
Tell us about your farm, ag business, or crew, and we will check whether Zenith 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 | Zenith and Zenith Agribusiness Solutions are trademarks of their respective owner. Oakview Insurance Services is an independent insurance agency appointed with Zenith and is not owned or operated by Zenith. Coverage is subject to carrier underwriting guidelines and availability. This page is for informational purposes only and is not a commitment to insure.