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

  • 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.

    The team at DCD was professional, courteous, attentive and detailed. They addressed my health insurance needs efficiently and relieved me of stress about my coverage. I would recommend them in... read more

    Erica Berg Avatar Erica B.

    Review for Pam Fugitt-Hetrick LUTCF from Dan and Judy Phillips This is a big "shout-out" for her impeccable insurance service for many years! She has always found us the best... read more

    Dan Phillips Avatar Dan P.

    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.

    Just WONDERFUL ......RECOMMENDED .,.. Kevin M.

    Kevin MacArgel Avatar Kevin M.

    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.

    My experience has been with Pam. She is so responsive, helpful, and knowledgeable about insurance, and what fits your needs. She's very down to earth and good at explaining what... read more

    Ellen Coyle Avatar Ellen C.
  • Thank you Pam F.H. and team for the usual high quality of service and caring, and for the best outcome for my health coverage needs. Wishing you and your team... read more

    Lupe Peru Avatar Lupe P.

    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.

    I love this company. Pam is so knowledgeable and I trust her 100% I highly recommend this company She knows things I could never dream of!

    Diane Gaggero Avatar Diane G.

    Pamela and her staff are always knowledgeable, helpful and efficient.

    Patti Bradley Avatar Patti B.
  • Pam has been keeping us in appropriate health insurance for years! She makes sure we know what changes are coming up before our appointment, then walks us through what those... read more

    Cristie Thomas Avatar Cristie T.

    My Liabilities Insurance Broker referred me to Pam because he said she was the best and he was right. I have had significant medical expenses and thanks to Pam's expertise, I... read more

    David De La Rosa Avatar David D.

    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.

    Pam is the best! Very professional & educated on the all the ins and outs of Medicare Insurance benefits. I appreciate her keeping in touch via emails with... read more

    Anna Fann Avatar Anna F.