In today’s industry, it’s imperative that contractors have a Construction Insurance policy that specifically includes pollution liability insurance. It’s important to take care of all pollution events, no matter how big or small. You don’t know what kind of long-term impact this kind of issue wil...

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Winter has finally approached us, meaning that many of us are going to see a rise in our energy bills. 10 percent of renters in 2013 said that they spend the most on their utility bills, according to a Rent survey. On top of being environmentally conscious, you can save a few dollars off your mon...

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With winter coming, things can get especially hazardous on the job. It is important for construction operations and contractors to stay vigilant and aware, as there are ways to stay safe while working in the cold. Know about the hazards that winter weather brings and what you can do about them.

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Consumers are on track to spend $1,007.24 during the holiday season this year, up 4.1 percent since last year’s $967.13, according to a recent survey from the National Retail Federation. A lot of that holiday shopping is going to happen during Black Friday, the unofficial start to the holiday sea...

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You can’t say that your home is always going to be able to withstand damage. Sometimes there’s events that can happen that are entirely out of your control, such as a natural disaster. When a weather catastrophe strikes, what do you do? That’s when your insurance kicks in. But sometimes just one ...

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The construction unemployment rate currently sits at 5.2 percent, which is low; however, the construction labor force has stalled over the past six years, according to data from the Bureau of Labor Statistics. What does this mean? It means that there isn’t enough people working in construction; t...

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The role of e-commerce is growing even in the food and beverage sector, and the only thing that can be done is to accept the change and adapt to it. Around 36 percent of specialty food and beverage sales currently come from e-commerce platforms, making it a top contender for rising trends with th...

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Our office will be closed on Friday April 19th for Good Friday. We will resume our regular business hours on Monday April 22.

In this day and age, with Pinterest and YouTube tutorials, attempting to Do-It-Yourself is pretty common. People want to get things done quickly, efficiently and spending the least amount of funds possible. But not every project can be done that easily without professional help. It’s fun to push ...

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Insurance Services

  • Workers Compensation

    For many businesses, Workers Compensation represents a significant expenditure, particularly for certain industry sectors, such as construction, manufacturing, and home healthcare where injuries are prevalent due to unique hazards and exposures. In addition, California, on average, has the highest Comp rates in the country – largely driven by the state’s frequency of permanent disability claims, high medical costs per claim due to protracted medical treatments, and much higher-than-average costs in handling claims and delivering benefits.
  • General Liability

    A General Liability policy is an integral component of a strong insurance program, providing the protection a business needs to safeguard its assets in the event of a loss resulting from a wide range of incidents. These include everything from premises liability, which covers claims that result from accidental injury or property damage to a third party; product liability losses arising from bodily injury or property damage from goods or products a business manufactures, sells, handles or distributes; completed operations for potential liability for bodily injury or property damage that arises out of completed work; and personal and advertising injury.
  • Commercial Property

    A total Commercial Property insurance solution is critical to the success of any business – from small start-ups to main street businesses to companies with multiple locations and properties. Property insurance is designed to protect the physical assets of your business—your building as an owner, its contents whether you own or lease, and some outdoor property associated with your business—from fire, theft, vandalism, windstorm, hail, explosion, aircraft, collapse, and other causes of loss as well.
  • Commercial Auto

    Commercial Automobile insurance provides coverage for legal liability in event of bodily injury or property damage to a third party arising out of the use of your business automobiles. Whether you have one company vehicle, own a fleet of vehicles or have employees using their personal vehicles for business purposes, Commercial Auto insurance should be a part of your portfolio of coverages. Let ISU-The Olson Duncan Agency, take a look at your driving exposure and determine the right policy for your business operation.
  • Business Owners Policy

    The ISU-The Olson Duncan Agency provides small and mid-sized businesses throughout California affordably priced Business Owners Policies (BOP) tailored to your individual industry and specific operation. From local retailers in the South Bay to professional offices in the OC, these and other firms look to our experience and expertise to properly insure the businesses they’ve worked so hard to build.
  • Professional Liability

    As a professional, in addition to your firm being exposed to general liability hazards, such as the risk of an injury to a customer visiting your premises, you also face exposures related to the specific services you provide. These exposures vary by profession and may result in allegations of financial damage by a client that result in claims against you, costing you both money and your good standing. For example, an attorney is the target of a lawsuit alleging conflict of interest in a case that didn’t go the client’s way. A real estate agent during a sales transaction mistakenly confirms a building is ADA-compliant based on an old report and is later sued by the new owner when upgrades need to be made.
  • E&O

    With so much going on in the day-to-day operation of most businesses, mistakes and oversights are bound to happen. Without the proper protection, however, an error can be quite costly, even financially devastating. That’s where Errors & Omissions (E&O) insurance, also known as Professional Liability insurance, steps in. It’s the “we have your back” coverage when an error or negligence occurs providing clients with a professional service that allegedly causes financial damage. Even if the claim is without merit, just defending a “he-said, “she-said” type of claim can be costly.
  • Cyber Liability

    Every day brings news of another data breach. Equifax. Anthem. Yahoo. Target. Sony. All high-profile organizations that underscore the vulnerability and risks that businesses face today when it comes to cyber security. Yet these risks aren’t unique to large corporations – small to midsize businesses of all types, from private companies to non-profits in all industry sectors, are targets of cyber attacks. What was once considered an emerging risk now tops the list of exposures all businesses should be managing.
  • Umbrella / Excess Liability

    Standard Liability insurance policies, such as General Liability and Commercial Auto Liability, provide you with the protection you need in the event of an accident or injury at your premises or with vehicles used for company business. The liability amounts on these policies will respond for covered losses, but when a catastrophic loss occurs, the amounts may not be enough to cover high settlement and judgment damages, which can upend your company’s ability to financially recover.


4 months ago
I work with Desiree and she does great work for me! I can always rely on her to give me helpful information. I recently had to have a new car and some jewelry insured. She used really good communication to explain to me what was needed through this process. I highly recommend her & Olson Duncan for all your insurance needs!
- Joe G
4 months ago
Robin is the best! She has been working with my family for a while now and has always been reliable. She is incredibly kind, patient, and efficient with her work by always responding in a timely manner. We've had quite a few moves from state to state within the past few years, and she always took care of our renters insurance making it much easier for us. If you need any assistance make sure to contact Robin!
- anaomi T
4 months ago
I have been purchasing both home and car insurances from Olson Duncan for more than 22 years. The Olson Duncan team including Desiree has been very professional, respectful, and responsive to my family's needs and requests throughout the years. Desiree would help me find ways to save premiums in return I would be able to purchase additional crucial coverages with minimal additional premiums; overall a win-win situation and a peace of mind for my family.
- Joseph L

Olson Duncan Insurance Services

With over 70 years of high-quality experience serving businesses and individuals, ISU-The Olson Duncan Insurance Agency provides a wide range of comprehensive insurance solutions for California clients. Our firm is an independent agency, working with top-rated insurance carriers to develop insurance coverage at competitive pricing. The result is responsive insurance coverage, helping to reduce costs while protecting your valuable commercial and individual assets. ISU-The Olson Duncan Insurance Agency was founded in 1945, with our headquarters in Torrance, California serving thousands of clients over the past seven decades.

Insurance Solutions for Individuals and Businesses

Since we first opened our doors in 1945, ISU-The Olson Duncan Insurance Agency has provided expert insurance services at highly competitive rates. We are a Top Ten private property and casualty insurance brokerage, leveraging the access to over 300 insurance carriers and a team of skilled insurance professionals. We believe in delivering insurance solutions that meet our clients’ needs exactly, all at affordable rates.

Our insurance solutions are divided into two major categories: Personal Insurance and Business Insurance. Our Personal Insurance includes coverages for:

  • Auto
  • Earthquake
  • Homeowners
  • Watercraft
  • Recreational Vehicle
  • Term Life
  • Flood
  • Umbrella

With these insurance products and solutions, we help individuals protect their investments with comprehensive, responsive coverage.

Business owners throughout California have come to rely on the great selection and competitive pricing of our commercial insurance lines. Over the past 70 years, we have worked with dozens of industries including retail, technology, manufacturing, real estate, professional services, and healthcare operations. Our Business Insurance includes coverages for:

  • Workers Compensation
  • Professional Liability
  • General Liability
  • Commercial Vehicle/Auto
  • Commercial Property
  • Directors and Officers (D&O) Liability
  • Employment Practices Liability
  • Cyber Liability
  • Business Owners Policies (BOP)
  • Errors and Omissions (E&O)

Our team has years of experience in providing comprehensive insurance solutions for many professional business operations in the state of California. From lawyers professional liability insurance in Torrance to electrician public liability insurance, roofing insurance, and general liability insurance policies, our insurance products meet professional needs for business owners throughout our service region. Errors and omission insurance cost is a concern for many professional business operations – we provide competitive rates and an impressive range of coverage options.

Specialty Insurance Services

Personal and business insurance solutions are not the only aspects that have made ISU-The Olson Duncan Insurance Agency a leader in the insurance services field. Our firm also provides a full range of employee benefit packages, including:

  • Group Health
  • Group Dental
  • Group Disability
  • Voluntary Benefits
  • Group Life
  • MDLIVE® – a revolutionary on-demand telehealth delivery service

Risk management is an important part of business operations. In order to prevent workplace incidents and liability concerns in specific industries, risk management is the practice of identifying unique risk exposures and developing solutions to minimize their impacts on operations. To better serve our business clients, we have developed a range of risk management services, including:

  • Safety Services
  • HR Services
  • Claims Management Systems
  • Experience Modification Management

We have built our reputation on outstanding service and selection, both for individuals as well as business interests. Our value-added employee benefits solutions and risk management programs are designed to provide flexibility, protection, and care for your staff, your property, and your assets.

The Olson Duncan Agency Difference

Built on a foundation of trust and integrity, ISU-The Olson Duncan Insurance Agency has served clients throughout the state of California for seven decades. We believe in forging long-term relationships with our clients by listening to their needs, then developing comprehensive insurance solutions that meet those needs exactly.

From finding an insurance product to filing a claim or adding features to your current policy, our help center is equipped to handle client care with industry-leading professionalism and courtesy. We stand out in a highly competitive insurance marketplace for our outstanding service to you, our most important business assets. Our experienced team of insurance professionals can help you protect your home, your car, or your business with policies designed specifically for your risk exposures. To learn more about how ISU-The Olson Duncan Agency can help, call us at (310) 373-6441.

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  • (310) 373-6441


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25550 Hawthorne Blvd. 203
Torrance, CA 90505
United States

Business Hours

Mon:8:30 AM – 5:00 PM
Tue:8:30 AM – 5:00 PM
Wed:8:30 AM – 5:00 PM
Thu:8:30 AM – 5:00 PM
Fri:8:30 AM – 5:00 PM
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