Protecting California Small Businesses with Clarity, Choice, and Care
Kinter Insurance Services is a full-service, independent insurance agency. As a 100% independent agency, we exclusively serve our clients’ interests. We provide comprehensive insurance solutions for businesses large and small. With over 40 years of experience in the industry, we’ve established long term relationships with the premier insurance carriers in CA.
Whether you’re a small business or a growing enterprise, you benefit from our team’s deep industry expertise and proactive approach. We simplify the insurance process, anticipate renewal opportunities, and advocate for you every step of the way. Our goal is to help you save time, reduce risk, and focus on running your business — while we protect what you’ve built.
We are well known in the industry for our ability and commitment to secure the most competitive premiums and comprehensive coverage for our clients every year. We are honored to serve thousands of clients throughout California and continue our decades-long dedication to protecting their businesses and bottom lines.
What Clients Say
★★★★★
Kinter Insurance is always looking out for their clients. Arvizina is so wonderful to work with! – Google Review Jack G.
★★★★★
Highly professional and offer the most competitive prices available. I look forward to working with Patricia and her team for future services. – Google Review Sang L.
★★★★★
Ms. Kinter and her staff patiently explained the options for both Workers Comp and Business Liability insurance. They made the entire process easy and saved us significantly. – Google Review Lhasa K.
Our Promise to You
- Advocacy: we represent your interests, not a single insurer.
- Clarity: no jargon—just clear options, pros and cons, and guidance.
- Value: competitive quotes without sacrificing critical coverage.
- Responsiveness: real people who show up when it matters, especially at claim time.
“Think of us as your insurance department—an extension of your team that protects your business and bottom line.”
Allow us the opportunity to provide you with a proposal for your upcoming renewals and you’ll come to understand why 98% of our clients renew their policies with us year after year. Our clients are our friends, pay the lowest rates, and enjoy our deep dedication to providing the best customer experience in the industry.
Transparency and integrity are our guiding principles. We pull the curtain back on the mysteries of insurance and educate our clients about the insurance protecting their business; offering peace of mind and the empowerment to make informed decisions.
Why Choose Kinter?
Independent & Unbiased
As an independent agency, we compare multiple carriers to find the right fit. You get more choice, better alignment with your risks, and an advisor who sits squarely on your side of the table.
California Business Expertise
From workers’ comp to commercial auto, general liability, property, cyber, and umbrella—we understand the realities of operating in California and help you avoid costly gaps.
Proactive Renewal Strategy
We monitor market changes, re-shop strategically, and negotiate so your coverage and pricing stay competitive year after year.
Leadership
Patricia Kinter
President
Patricia leads strategy and client service delivery, drawing on decades of brokerage and carrier relationships to secure strong outcomes for California businesses.
Operations & Service
Client Success
A dedicated service team that manages certificates, endorsements, audits, and claims support—so you always have help when you need it.
Markets & Placement
Carrier Relations
Specialists who understand underwriting appetites and negotiate on your behalf to align coverage, limits, and pricing with your goals.
We are a proud member of Pacific Interstate Insurance Brokers (PIIB), the foremost agency cluster in the country, representing over $750 million in premium.
We offer insurance services and products for all general businesses, professional associations, and enjoy several trade organization partnerships. From main street to large conglomerates and everything in between, our passion is protecting business and business owners’ interests.
Ready to Protect What You’ve Built?
Let us prepare a no-obligation proposal and walk you through your options in plain English. Click here to get started.
Patricia’s journey in the insurance industry began early on, as her father and uncle owned an insurance agency in Central California. During her high school years, Patricia spent her summers working at the agency, gaining valuable insights and a wealth of knowledge.
Following her education at the University of California - Santa Barbara, Patricia found herself drawn to beautiful Hermosa Beach. It was there that she took the plunge and established her own agency in 2004. Since its inception, Kinter Insurance has remained committed to providing exceptional service and fostering enduring relationships with clients.
While Patricia remains focused on her professional commitments, she recognizes the significance of achieving work-life balance. Beyond the office, she enjoys spending time with her loving family, traveling and exploring her culinary talents.
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