Providing Businesses and Individuals Within Our Communities Comprehensive Insurance Solutions for Over 60 Years

Finding insurance coverage to bring you peace of mind starts with GCI Insurance Brokers.

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GCI Insurance Brokers

Welcome to GCI Insurance Brokers, Northern California’s solution to agriculture, business, personal, and employee benefits insurance for over 60 years. We strive to provide excellent service to our clients, the insurance companies we represent, and our community as a whole. This service, combined with our comprehensive insurance coverage and our experienced team, works to bring you peace of mind.

We are an independent insurance agency, which means we represent many different top-rated insurance carriers. This gives you the power of choice—the power to choose your coverage, your price, and your carrier. When so much can go wrong in life, you will feel better knowing you are working with an experienced agency that can help you find the right insurance coverage for your needs.

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Serving California and More

We are proud to serve clients throughout California, including those in Orland, CA, Chico, CA, Willows, CA, Corning, CA, and Red Bluff, CA. We are also licensed to serve clients in five other states.

Our Insurance Specialties

Agriculture
Farm
Workers’ Compensation
Wholesaler and Distributor
Home
Auto
Group Health
Life and Health
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Get a glimpse of the risks you face and how your insurance can protect what matters most.

Farm

ATV / Utility Vehicles

Risk Factor

Utility vehicles or ATVs designed for use on farms can increase liability. This is mainly because these vehicles are known to be associated with high-risk behaviors, such as operating the vehicle without the use of protective equipment.

Solution

If you routinely ride your ATV or utility vehicle, be sure to always use good judgment and wear proper protective equipment, such as a helmet. Additionally, avoid behaviors that are known to increase risk of injury, such as riding on roads that are intended for automobiles.

Products Liability Exposure

Risk Factor

Say, for example, that the beef produced from the cows raised or kept on a farm causes illness in a consumer when it’s eaten.

Solution

To combat this risk, add an endorsement that modifies your insurance policy to protect you from these potential mistakes.

Foreign Object Ingestion Coverage

Risk Factor

Equipment used on a farm has a high risk of mechanical breakdown. For example, a farmer's combine or chopper could ingest a rock causing equipment failure.

Solution

Add Foreign Object Ingestion coverage so the repairs on your combine or chopper will be covered on your policy. Ask your agent if your policy has this coverage since it is not "automatic" on most farm policies.

Coverage for Peak Season

Risk Factor

During harvest, a farmer often stores grain in grain bins, and this grain usually sells within a few months. Coverage is needed while the grain is on-site, but it could get expensive to fully maintain this coverage during the rest of the year when no grain is present on the farm.

Solution

Cover the grain under peak season. This option tailors your coverage to provide increased amounts of insurance during the months in which you have grain on your farm. This type of coverage can be applied to any harvested crop, not just grains.

Pollution

Risk Factor

Pollution is an increasing risk that can occur due to the improper storage or application of pesticides and fertilizers, runoff, and above ground or underground storage tanks.

Solution

It is difficult to control pollution risks on your farm, but it is not impossible. You can protect yourself against this type of risk by obtaining environmental insurance that provides protection for both bodily injury and property damage caused by a farm pollution incident.

Umbrella

Risk Factor

What happens when your farm faces a large liability loss that exceeds the basic limit of your standard policy?

Solution

A commercial umbrella insurance policy increases your liability limits by adding protection over and above your current farm policies - providing real financial value, as well as priceless peace of mind. Commercial umbrella insurance is available either by an endorsement to your farm policy or as separate coverage.

Care, Custody, and Control

Risk Factor

If you're caring for livestock owned by others on your farm and an unfortunate event occurs causing the death of some or all of this livestock, you may be held responsible.

Solution

To protect yourself and your farm from this type of risk, add care, custody, and control to your insurance policy as an endorsement.

Custom Farming / Business Activity

Risk Factor

Does your farm provide services for others? If so, you may be held responsible for the business activities related to these services.

Solution

To protect yourself from any type of incident relating to these business activities, add an endorsement for custom farming to your insurance policy.

Field Crops

Risk Factor

There are many uncontrollable factors that affect the growth of field crops, such as weather. Are you prepared for what might happen if your crops are devastated by an uncontrollable incident?

Solution

You can protect your livelihood and investment from this type of unavoidable risk with the addition of multi-peril crop insurance.

Property

Risk Factor

If you have a barn or farm structure, a loss to these structures can be catastrophic, potentially putting the farm out of business.

Solution

Be sure you have adequate property coverage to protect your farm from potential catastrophic loss.

Glass Coverage

Risk Factor

If your tractor, combine, harvester, or other farming equipment has cab glass, that glass could break. It can be an expensive repair and cause your equipment to be unavailable for an extended amount of time.

Solution

Be sure you have coverage to help pay for repairs or other service work for broken glass.

Farm Insurance 101

Make sure you cover the unique risks you face with farm insurance.

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Professional Associations

As members of our community and the industry as a whole, we are proud to be actively involved in local organizations to better serve you.

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What Makes GCI Insurance Brokers Special

Here’s what sets us apart when it comes to serving your insurance needs.

Community Focused

As members of the local community, we focus on fostering growth in Northern California and beyond.

Clients Come First

Success to us is when you place your faith and trust in our experience and knowledge, not when you buy a premium.

Experienced Agents

We’ve been in business for over 60 years, so we understand what it takes to bring you quality coverage.

What Makes Our Independent Agency Different?

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We represent multiple insurance companies.

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We are licensed insurance advisors.

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We are by your side every step of the way.

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We are there for you in your time of need.

Real clients. Real reviews. Real coverage.

“I can’t name another business that saves us more time than GCI Insurance Brokers. The GCI team is thorough, responsive, and rises to meet any challenge we throw at them. Nobody can offer the top-notch knowledge and service GCI already provides. I would recommend their services in a heartbeat.”

– Sullivan Drilling
Why Go Independent?

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