ISU- The Olson Duncan Agency

Insurance Broker in Torrance
25550 Hawthorne Blvd. 203, Torrance, CAOpening at 8:30 AM tomorrowOpening at 8:30 AMOpen today until 5:00 PMOpening at 8:30 AM on MondaySorry, we're closed
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Posted on Mar 22, 2019

Wear and tear happens, and it’s just something that we have to accept as a part of life. And as a homeowner, there’s certain things that you just need to know how to handle. Whether it’s ways to properly repair or save money, it’s important that one doesn’t go into home owning blind. It’s best wh...

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Posted on Mar 15, 2019

With construction such a staple in the American economy, insurance for construction projects is a necessity. There are two main forms of construction insurance coverage, and while they are often confused with one another, they cover very different areas of risk. Construction general liability in...

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Posted on Mar 8, 2019

Construction is a very dangerous field: there was a total of 5,190 fatal work injuries recorded in 2016, according to statistics from the United States Department of Labor’s Occupational Safety and Health Administration (OSHA). The average is 99 deaths per week, or about 14 deaths per day. Around...

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Posted on Mar 1, 2019

There are a lot of millennials out there. There’s 90 million, to be exact—with over 20 million owning a household in 2014. That’s 30 percent of millennials becoming homebuyers. While that fraction doesn’t seem like much, it’s important to note that young adults are moving on up in the world. Not ...

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Posted on Feb 24, 2019

All around the nation, people have been experiencing sweltering heat over the past week. As a construction worker, it’s important to stay cool, especially during these scorching summer months. Around 10.3 million workers are employed through a construction job, according to 2016 data from Statist...

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Posted on Feb 19, 2019

There are 807,360 construction laborers in the US, according to United States Bureau of Labor Statistics. With that many laborers, it’s a necessity to have liability insurance for construction workers. With the need for construction comes risk during summer months, especially if you work in an ar...

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Posted on Feb 13, 2019

Let’s admit it: home insurance policies can be lengthy and difficult to understand. More often than not, you need a fine-toothed comb to get through them. The solution to this problem is not to forego reading your home insurance policy and hope for the best. It’s best to be informed to the fulles...

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Posted on Feb 11, 2019

Once a consumer purchases a homeowners insurance policy, they might not look at it for awhile. That’s a mistake. You want to make sure that you are covered in the event of a major loss. Over 60 percent of all U.S. homes are underinsured by at least 20 percent, according to CoreLogic, a California...

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Posted on Jan 25, 2019

All around the nation, people have been experiencing sweltering heat over the past week. As a construction worker, it’s important to stay cool, especially during these scorching summer months. Around 10.3 million workers are employed through a construction job, according to 2016 data from Statist...

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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.


3 weeks 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
3 weeks 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
a month ago
I have known Desiree Love for the last many years. She has always provided the best service one can ever receive, I remember the time my late husband was sick, she just took over and helped me out, above and beyond the call of duty--made sure that all the papers were in order. My husband used to say that 'she was the best'. I will follow her wherever she goes.
- Milan H

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.

Contact Us


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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