Insurance & Bonding Agency
Insurance & Bonding Agency
License Number: OJ16763
Your home is likely your most important asset. Changes that occur in one’s life—the birth of a child, a marriage, a new job, children starting college—can create new risks and exposures to liability.
Your car is the vehicle that carries you and your loved ones to places far and wide. The agents at Fulcrum Point Insurance dwell on the risks each journey exposes you to—other drivers, weather conditions, and road hazards—so that you don’t have to.
Fulcrum Point Insurance and Bonding Agency, Inc. was founded by successful entrepreneurs and business people with over 50 years’ combined experience in the world of enterprise. Business owners face risks most people can’t imagine.
Fulcrum Point’s roots run deep in the field of surety. Surety is the process of a principal contracting with a surety company to financially guarantee to a third-party that the principal will do what he or she said they’d do when they said they’d do it.
Michael Hyman
(707) 800-6054
michael@fulcrumpointinsurance.com
About Us
Our principals are Sonoma County natives with a long business standing in the local community. We make it our top priority to help individuals, families and businesses to make informed choices about personal or business insurance coverage.
Address: 509 1/2 4th Street, Santa Rosa CA 95401
Starting a new business is very difficult and very expensive. Fulcrum Point Insurance not only took our insurance needs to heart, they also made suggestions for our business in order to insure our success and longevity.
Fulcrum Point Insurance provided the guidance to raise my coverage without a dramatic increase in the premium. Great work and extremely knowledgeable.
Read Our Blog
Mortgagee or Loss Payee, What’s the Difference?
I was recently asked to explain the difference between a mortgagee and a loss payee in one sentence. Here's the sentence: A loss payee may in fact be a mortgagee, but a mortgagee is probably not a loss payee. Not very helpful, right? Here's a fuller explanation. An...
Insurance For Artisan Contractors
Insurance for artisan contractors is an essential type of special coverage. Insurance agents placing this type of insurance should understand the special risks artisan contractors face - bidding jobs, delivering materials to the site, performing the work, and standing...
Homeowners Insurance Mold or Water Damage
On June 27, 2016, the Second Appellate District of California decided Pasley v. State Farm General Insurance Company (2016 DJDAR 6479) which addressed an issue Sonoma County homeowners insurance buyers should know: homeowners insurance mold or water damage. The Facts,...
Home Insurance
Your home is likely your most important asset. Changes that occur in one’s life – the birth of a child, a marriage, a new job, children starting college – can create new risks and exposures to liability. Fulcrum Point Insurance reviews every client’s policy when those changes occur to ensure that unexpected mishaps don’t spell disaster. Our goal is to provide insurance coverage that is the right fit for your needs. Leave nothing to chance. Let Fulcrum Point Insurance and Bonding Agency, Inc. help you protect your family and home from perils and hazards.
Auto Insurance
Your car is the vehicle that carries you and your loved ones to places far and wide. The agents at Fulcrum Point Insurance dwell on the risks each journey exposes you to—other drivers, weather conditions, and road hazards—so that you don’t have to. Enjoy your travels, pay attention to the road, protect your family. Let Fulcrum Point do the worrying. We tailor insurance coverage to exactly the levels and protections you need. We check in with you at each renewal to confirm that what you needed before still makes sense. When is the last time an insurance agent did that for you?
Business Insurance
Fulcrum Point Insurance and Bonding Agency, Inc. was founded by successful entrepreneurs and business people with over 50 years’ combined experience in the world of enterprise. Business owners face risks most people can’t imagine. The very decision to own a business carries risk. Exposures to liability increase at every interaction with others—from hiring and managing employees, to customers, clients, vendors, regulatory agencies, and competitors. Fulcrum Point Insurance agents understand the issues business owners face and have the expertise to develop an insurance program designed to protect your hard earned assets, as well as, the jobs and livelihood of all those that depend on you.
Surety
Fulcrum Point’s roots run deep in the field of surety. Surety is the process of a principal contracting with a surety company to financially guarantee to a third-party that the principal will do what he or she said they’d do when they said they’d do it. Nearly all businesses and professionals encounter a need to acquire a surety bond at some point.
Fulcrum Point Insurance and Bonding Agency, Inc. handles all forms of surety bonds, in any amount. Here are some examples of when a surety bond may be required: Contractors required to provide a surety bond to bid on projects and perform the work when awarded the contract; Retail establishments required to post a surety bond to guarantee sales tax payments; Litigants required to provide a surety bond pegged to the amount in controversy in order to proceed with litigation; Trustees and executors required to provide a surety bond to guarantee fidelity to the trustors and beneficiaries of the estates they oversee; Licensed professionals required to post a surety bond as a condition of licensure.
The process of acquiring a surety bond is usually simple, fast, and relatively low cost. Sometimes, however, depending on the risk involved, quite a bit of research, planning, and contracting is necessary to acquire a bond. Fulcrum Point Insurance and Bonding Agency is the partner you want when it comes to putting together a surety package.