Welcome to DCD Financial & Insurance Services

 

The DCD Financial & Insurance Services team is committed to providing clients with the highest quality insurance plans, combined with some of the lowest rates available in all of California. Our team is dedicated to delivering a personalized service, backed by specialized knowledge and efficient outcomes. Ultimately, our mission is to build lasting relationships with each of our clients so that we may continue ensuring exceptional service for years to come!

COMMERCIAL AUTO

Commercial Auto Insurance helps safeguard your business on the road. It ensures your vehicles and drivers are properly covered, helping you meet state requirements and avoid business interruptions.

GENERAL LIABILITY

General Liability insurance can help manage the risks of performing business as usual. Since building a company takes hard work and immense dedication, it's vital to protect your business and its assets.

COMMERCIAL PROPERTY

Commercial Property Insurance protects the physical assets your business depends on. It covers buildings, equipment, inventory, and other property against unexpected losses that could impact operations.

How can we help you today? Let the DCD Financial & Insurance Services team help you find the right coverage for your insurance needs.

Work with Experienced
Insurance Experts!

The DCD Financial & Insurance Services Team
is committed to providing clients with the right coverage, the lowest rates, and award-winning service throughout the state of California. We'll help you choose the right coverage for everything in your life from your home to your business. Our team provides personalized guidance and treats every client with professionalism and care!

Business Insurance

We will find the best combination of price and coverage for a Business Insurance plan that works for you.

Group Health Insurance

We will find the best combination of price and coverage for a Group Health Insurance plan that works for you.

Cyber Liability

We will find the best combination of price and coverage for a Cyber Liability Insurance plan that works for you.

E&O/Professional

We will find the best combination of price and coverage for a E&O/Professional Insurance plan that works for you.

General Liability

We will find the best combination of price and coverage for a General Liability Insurance plan that works for you.

Property Insurance

We will find the best combination of price and coverage for a Property Insurance plan that works for you.

Worker's Comp

We will find the best combination of price and coverage for a Worker's Comp Insurance plan that works for you.

The DCD Financial & Insurance Services Team

Start your insurance purchase process here!

The DCD Financial & Insurance Services team will shop your policy needs to multiple carriers to find you the lowest possible rate combined with the best coverage. Let us help you make a smart decision.

What our clients are saying

  • Many thanks for clear, timely help along with good strategies for saving money while getting the health insurance I need. You are the best!!

    Joe Calcagno Avatar Joe C.

    Pamela and her team are the best. They do the extra work in helping my husband and I find the best Medicare supplement plans and they assist us in navigating... read more

    Yuriko Hirsch Avatar Yuriko H.

    Pam keeps me on track. She saves me from hours of complex and confusing research. She knows my circumstances, she knows Santa Cruz's resources, and she can match them up.... read more

    Steven King Avatar Steven K.

    Very professional and did a great job of presenting choices in an understandable manner.

    Christopher Albrecht Avatar Christopher A.
  • It was very easy as opposed to checking out all of the mail and calls by solicitors.

    Julie CO Avatar Julie C.

    Pam at DCD has been my insurance agent for years. She is knowlegeable, resourceful and personable. I rely on her knowledge and expertise of the insurance world so I can... read more

    Via properties Bradley Avatar Via p.

    Every time I call I get a response I clearly understand, and if I don't a friendly voice on the other end of the line kindly walks me through clarifying... read more

    Tess Weisbarth Avatar Tess W.

    I highly recommend DCD and Pam, especially, for Insurance needs. They are local and understand our area and my needs. Thank you.

    Ann McKenzie Avatar Ann M.
  • I've had the pleasure of collaborating with Pamela Fugitt-Hetrick of DCD Financial & Insurance Services for several years regarding my small business insurance needs. After previous experiences with agents that... read more

    Christine Schneider Avatar Christine S.

    Pam and her team work diligently to get the best options for my Medicare drug plan. Annually they request information for price comparisons in November, they call at your appointment... read more

    Katherine Foxworthy Avatar Katherine F.

    I am so grateful to have had Pam walk my through my options when I started with Medicare a few years ago. And now she makes it so simple to... read more

    Betsy McNair Avatar Betsy M.

    DCD Financial has always be professional and well informed in all aspects of health insurance information for their clients. I highly recommend them to people (especially seniors) who are... read more

    Betty Harrison Avatar Betty H.
  • Pam put a quick end to the confusion and frustration commonly experienced when entering the world of Medicare. She readily made the options clear and calmed all my confused --... read more

    Ginny Babbitt Avatar Ginny B.

    I highly recommend Pamela and the staff at DCD Financial & Insurance Services. I approached their office for help several years ago as I tried to sift through the... read more

    Jody Bruce Avatar Jody B.

    The best health insurance assistance service out there! Pam has been my agent for years. I totally trust her and know that the insurance she finds me will... read more

    Nancy Jackson Avatar Nancy J.

    Pamela has been helping my husband and I with our Medicare choices for 7 and 6 years respectively. We have been very happy with her guidance. Pamela’s up-to-date knowledge about... read more

    Julie Esterly Avatar Julie E.