Important Numbers:

  • Office: 530.677.8755
  • Toll Free: 800.677.8181
  • Fax: 530.677.8314
  • License: 0C13447

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Mother Lode Insurance Services has been designing and providing intelligent, innovative business insurance packages since 1986. Commercial insurance is meant to protect major financial investments, thus providing the business owner the freedom to structure their business for success.

With competent, licensed broker-agents and licensed customer service agents, Mother Lode Insurance Services will access the customer's needs and review current or required coverage. From there, a comprehensive insurance package will be tailored specific to a particular industry or business type.

As agents, we represent major insurance companies such as Hartford, Allied Insurance, Safeco, Travelers, group health insurance and many more. We have brokerage arrangements with literally hundreds of companies, allowing Mother Lode Insurance to draw from vast insurance options.

  • Business Owners Package: complete coverage for retail, wholesale, manufacturers and assembly businesses.
  • Contractors: from the artisan to large commercial building contractors.
  • Manufacturers: from assembly to electronic components plus Patent Infringement and Product Liability.
  • Non-Profit Organizations: expert understanding of unique issues and community service orientation.
  • Commercial Auto: inclusive of regular automobiles, pick-ups to fleets.
  • Employee Benefits: inclusive of group medical and dental to retirement programs and life insurance.
  • Specialty Programs: restaurants, Mobile Home Parks, Error and Omissions, Professional Liability, Special Events, Comerica Property Owners, Contractor's Bonding.

Mother Lode Insurance has been instrumental in promoting the financial growth of El Dorado County and beyond. For over 40 years, agent/broker Stephen Shortes has been interacting with citizens, service organization and business owners alike establishing long-standing relationships. Mother Lode Insurance has grown as an agency, thus allowing an increase in the scope of its service from El Dorado County to Sacramento County as well.