Our Services

We are a full-service insurance company.

Our Commitment

We know customers come first in every business transaction.

We Will Know You

Once you become a customer, your licensed insurance specialist will remember you and, most likely, your kids and your pets…well, maybe not your pets. Unlike online providers, your dedicated insurance specialist not only knows you — he or she knows your situation. You don’t have to re-explain things every time you phone in.

Product Knowledge

Because we work with over 50 underwriting insurance companies, our product knowledge is vastly superior to most other agencies. And our knowledge is significantly superior to name-brand insurance companies, like Allstate, Farmers, or State Farm. Their agents don’t have the time or staffing to learn about the numerous offerings of all the other insurance companies.

If You Are Difficult to Insure

Sometimes getting insurance can be difficult, like if your house has a shingle roof or you have the misfortune to have teenagers (just kidding). But, seriously, some companies won’t insure you just because you have teens! Or maybe you’ve had an automobile accident. Or maybe you made a claim and then your insurer dropped you. When your prior insurance company can’t or won’t cover you, don’t panic. Almost always, we’ll be able to find insurance coverage for you at a fair cost.

Claims Assistance

Inevitably, life will throw bad stuff your way, and you will need to make a claim. To make it as easy as possible for you, Carl Nelson Insurance provides 24/7 claims service directly with the insurance company we’ve placed you with. We also have a dedicated in-house claims department to answer your questions and to resolve any issues with the least amount of worry. It also saves you precious time!

BBB Rating

We are pleased to have achieved an A+ Rating with the Better Business Bureau. The BBB standards for businesses are high and embody the principles of trust, integrity, and honesty.

What We Cover

As a full-service insurance company we offer coverage for homeowners, vehicles, boats, motor homes, contractors, agriculture, commercial, life, health, and more.

High Value Coverage. Lower Prices.

Our aim is to match your unique insurance needs with first-rate coverage at a lower price. Remember, you don’t want to be caught under-insured with an off-the-shelf online insurance purchase. With our state-of-the-art technology, we can compare your coverage options for needs like home and auto in just a few minutes over the phone or even by email. Often we can save you 15% on what you are currently paying, while improving your coverage!

Personal Assistance When You Need It

If you have any questions, your licensed insurance specialist will know you and be responsive to you personally. The rest of the CNI staff will back up your specialist, always ready to serve you when you need it.

All Employees Are Expertly Trained

We are large enough that someone is always available to help you. And there is always someone who has experience with your particular needs. Yet, we’re small enough to give you personal service. Our insurance specialists are rigorously trained and licensed. Ongoing training to keep updated on changes in the insurance industry is compulsory.

Real People Answer the Phone.

During office hours, our phone is answered by someone eager to serve you — not a call center.

Financially Sound.

After the housing bubble collapsed, many insurance companies experienced debt and difficulty. We had made wise business decisions, which helped us avoid going into debt. Throughout the recession, Carl Nelson Insurance continued to grow slowly and carefully. We were able to invest in new facilities and increase our staffing to give you the highest level of service.

We Are Local

Carl Nelson Insurance has more flexibility than traditional insurance companies, like Allstate, Farmers, AAA, or State Farm. They sell just one brand. As a local independent insurance agency, we work with numerous underwriting insurance companies, all with A ratings with A.M. Best Rating Service. We maintain agreements with them to get the best packages. Plus you don’t have to shop around — we do that for you.

Extra Savings

Simply by combining policies we can save you an additional 15% to 25%.

Understanding Your Coverage

Yes, we’re happy to sell you insurance, but we’ll feel like we failed if you don’t understand what you’re buying and why. We strive to make it easy to understand. With us, there are no stupid questions.

Locally Owned and Operated

Carl Nelson Insurance has offices in Hanford and Visalia, California. We set our own policies on how to best serve you. That means we don’t have to answer to “corporate” like name-brand insurance companies. Plus it’s easy for you to drop by and talk to us one-on-one.

Insuring Californians

Although we primarily serve the insurance needs of residents of Hanford, Visalia, Fresno, Lemoore, Bakersfield, Kingsburg, and Selma, we can insure you no matter where you are in California. We can bind and issue coverage via fax, email, or even with electronic signature.

Listed: Top 5 Local Insurance Companies

At Carl Nelson Insurance we’ve never had to change our business principles because we’ve been doing it right since the beginning. That’s why we’ve grown and grown. According to the Fresno Business Journal, we are the 5th largest independent insurance company in the Central Valley. We have to be doing something right.

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