Independent Agency offering All Forms of Insurance. Established in San Francisco in 1948 by Harold and Bernice Cassidy, our agency has expanded over three generations from a staff of two to a team of knowledgeable Operatives servicing clients, many of whom are also third generation. We serve the insurance needs of countless individuals, families and businesses in Santa Cruz County, throughout California and in several other states. We believe in the value of personal service and have real live professionals whose aim is not just to get your business but to be honest and fair in all our dealings to establish a firm and trusting relationships. We are An Independent Agency. We do not work for an insurance company. We work for you. We have more options than one exclusive source. We match your specific needs with the best companies.