Almost all insurance companies use the similar “loss” numbers and actuaries. So why do some companies charge more for premiums than others?
Did you know that when you receive quotes from several different insurance companies, even if the rates are about the same, that doesn’t mean the coverage will be?
If you’ve been offered a lower rate, find out how the company provides those low premiums.
- Do they have less overhead to pay?
- Do they regularly pay claims?
You want the numbers to work in your favor, not against your insurance claim. Learn more about insurance and how coverage actually works by talking to Eric or Marissa at Northern Nevada Insurance Agency.
Insurance is more than just paying a bill. It’s about making sure your entire life from your house to your business and everything in between is protected against that which is out of your control.
You may not know what the future holds, but you can certainly make sure that you have enough insurance coverage for it.
Remember, it’s not how big your premium is, it’s how much coverage is included in your policy. Knowing how to write a policy for your individual situation is how we spend our working days at Northern Nevada Insurance Company. We help you plan for the future, no matter what the days ahead will bring.
Personal / Family
Reviewing the equation above, a person can feel overwhelmed with the expense of healthcare coverage. However, options do exist that are an alternative to traditional health insurance. There are still cafeteria-like plans and / or health savings plans that are a better fit for those who understand how these alternatives work.
For Business Owners
When you’re looking for a game changing alternative, we can show you how different options will work for your business and your employees. Please contact us to inquire about the types of healthcare insurance plans available for both traditional and non-traditional providers. We encourage you to ask questions.
Our time and knowledge serves our clients. We share what we’ve learned, teaching our clients to focus on the benefits insurance provides, so they make decisions that work for their bottom line. Get a quote here or contact us for a consultation to learn more.
What protects your business from accidents that happen to customers or vendors?
A BOP does.
What if the power goes out due to a fire next door?
Or, what if you need that power to operate a freezer or manufacturing equipment?
Is your business covered for loss of use or for credit card fraud?
Business insurance protects your company and its assets from accidents and from B2B transactions that don’t go exactly as planned.
Do you know what’s in your BOP? Find out the different items your business is covered for under your BOP. And, if those answers don’t protect your business, we are here to help you find answers that will. Supplement the risks you take in business everyday. Know your BOP.
Farmers Insurance Agent
Hi, I’m Eric:
I’m Eric Olivas, owner and licensed insurance broker of Northern Nevada Insurance Agency.
We welcome you to our office and are very happy to meet with you to review policies. Our goal is to help you learn more about how insurance can protect what you value and love.
We are a trusted resource in the field of insurance.
Many clients have become friends. Most call me and say, “Eric, please just take care of it.” And, of course, I do, but I also do my best to educate my clients too.
Insurance is an expense.
Why not treat it as a means to protect more than just your stuff? It’s your insurance; you’re paying the premiums. You are the reason that we do our best to ensure that the insurance you pay for covers everything you need it to, so that your life, income, and assets are as protected as possible.
You don’t know what you don’t know–right?
Learning how to use insurance to cover what is vital and important is a skill acquired over years of working in the industry. I’m happy to share what I have learned. My team and I work diligently with our clients to inform them of the risks they take without knowing it. We are here, ready and available to answer your questions and meet your insurance needs.
Agency Producer and Account Manager
My name is Marissa Davis, and I’m very lucky to have found my life’s career at such a young age. I’ve been in the insurance industry since I was 18, and I’m proud to say it’s been more than two decades of helping people protect what matters most. For the past 19 years, I’ve had the privilege of working alongside Eric Olivas, watching our agency grow and thrive.
While I specialize in commercial insurance, I also write all personal lines and truly enjoy helping clients understand their coverage. My goal is to make sure every client feels confident in their protection and knows they’re properly covered.
Over the years, I’ve built lasting relationships with so many of our clients. It puts a smile on my face seeing familiar names on the caller ID and consider many of them friends.
Although we live in an age of growing technology, knowing we still offer old-school customer service is something I take pride in— taking the time to connect personally and make sure every client feels cared for. Located in the heart of Midtown, our office is always open for questions, advice, or just to say hello.
I love living in Reno and experiencing all four seasons, with fall being my favorite. There’s nothing better than looking out my office window and seeing the leaves change color — or watching the snow start to fall. I’ve spent years earning our clients’ trust, and I look forward to continuing to serve our community for many more to come.
Agency Producer and Account Manager
Hi, I’m Rachael Schryer.
I’ve been helping families and businesses with their insurance needs for over 15 years, and I’m proud to say I still love what I do every day. As an independent insurance broker, I’m not tied to just one company — I can shop with a wide range of carriers to find the right coverage at the right price. From auto, home, and life insurance to business, work comp, bonds, classic cars, and even the fun stuff like boats and RVs, I’ve got you covered.
My clients tell me they appreciate how fast, organized, professional, and thorough I am (my OCD actually works in your favor 😅). I’m detail-obsessed, but also approachable — I’ll break things down so insurance actually makes sense. I’m even working on my Spanish so I can connect with more of my community.
When you stop by the office, you’ll probably meet Teddy, my fluffy sidekick and office mascot (who most clients threaten to steal!), along with my sweet daughter, Paisley.
At the end of the day, I want you to feel like you’re in good hands with someone who’s not only knowledgeable but genuinely looking out for you. I look forward to meeting you and helping protect what matters most.
Insurance with heart (and a little fluff). 🐾
Stop by and see us sometime! We’re located in the center of Reno, right on California Ave. We’d love to sit down with you to discuss your insurance goals today.
Give me a call at (775) 348-4700 and I’ll be happy to answer any questions you might have.
