An independent brokerage, quietly serving Oakland.
CCAO Insurance Agency was founded on International Boulevard with a simple idea: Oakland deserves an insurance brokerage that actually picks up the phone — and that takes the time to explain what you're paying for.
Since 2009 we've grown by referral, one family and one business at a time, across every neighborhood in Oakland and the wider East Bay. We've never bought a billboard. We've never sent a robocall. We've simply done the work — shopped the renewals, answered the late-afternoon claim calls, and shown up.
Today we represent more than two dozen national and regional carriers across eight lines of coverage: health, business, Medicare, workers' comp, professional liability, general liability, auto, and renters.
We are an independent brokerage. That means our advice is not anchored to a single carrier's product line. When the market changes, we re-shop. When a carrier stops being competitive in Oakland, we move you. The relationship is with us — not the company on your card.
What we hold ourselves to.
Plain English, every time.
If a policy can't be explained in three sentences, we keep working until it can.
Re-shop every renewal.
We treat your premium like our own money. If a better market exists, we move.
Answer the phone.
Same number, same person. No call center, no escalation queue.
Recommend less, not more.
We don't sell coverage you don't need. Right-sized policies last.
Rooted on International Boulevard. Working across the East Bay.
We serve clients across Fruitvale, San Antonio, Eastlake, Jack London Square, Temescal, Rockridge, Lake Merritt, West Oakland, Dimond District, and the surrounding cities of Alameda, Berkeley, Emeryville, San Leandro, and Hayward.
Explore the coverage we write.
Get coverage that finally fits your life.
A licensed Oakland broker will walk you through every option — by phone, in-office, or over Zoom. Most quotes take under 15 minutes.