About Us

Established in 2012, Mainstream Insurance Services, LLC primarily focuses on business insurance, specializing in contractors’ insurance. We offer contractors policies to subcontractors, general contractors, recycling companies, retailers, small grocery stores, restaurants, and retail stores. We also ensure high-risk policies, like local commercial trucking (delivery truck), general liability policies, and workers’ compensation. Additionally, as part of our official partnership with the DMV, we can process registration services, transfer of title, DMV registration, etcetera.

Principal Agent Lalaine Latimer has a background in claims, which she handled 20 years prior to becoming an insurance agent. She was also a property adjustor, during which she handled claims and general liability for both personal liability and business liability. Lalaine has her Claims Laws Specialist certification.

Part of the customer service protocol offered by Mainstream Insurance Services includes assisting in reporting the claim and following through with the settlement or conclusion of the claim.

An Independent Advantage

We are Independent Agents in Concord, California, free to choose the best carrier for your insurance needs. We do not work for an insurance company; we work for you. We work on your side when you have a loss and follow through to see that you get fair, prompt payment and service. Mainstream Insurance Services, LLC represents a carefully selected group of financially strong, reputable insurance companies. Therefore, we are able to offer you the best coverage at the most competitive price.

What is an Independent Insurance Agent?

When you decide to buy a car, you wouldn’t purchase the first one you see. What if one day the automobile industry decided to make only one type of car, one make and one model. You wouldn’t have a choice!

The same situation holds true for insurance. You need insurance to drive a car, to purchase a house, to protect your family’s financial future and to run a small business. But if there was only one insurance company that offered only one type of insurance, you wouldn’t have a choice. The only solution would be going to that one company.

With an independent insurance agent, you have choices. Independent agents are not tied to any one insurance company. One of the advantages of using an independent agent is that he or she works to satisfy your needs. You are using an expert for an important financial decision.

An independent agent has several companies that he or she can approach to get you the best coverage at the best price. And your independent agent will know the companies with the most efficient claims departments to recover your losses as quickly as possible.

When you buy insurance, you want an advocate who will properly assess the risks you face and give you an objective analysis of the marketplace, because it’s up to you to make the final choice.

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