Skip to main content

Our Process

From first conversation to bound coverage, our process is built to be predictable: understand your situation, shop the market, explain your options in plain language, and stay with you after the policy is issued.

Sterling Lloyd is a California-based independent insurance agency led by a board with more than 30 years of combined experience in underwriting, brokerage, and claims and a unique ecosystem features an unrivaled concentration of more than 200 leading insurance companies. That depth is the difference between quoting a policy and advising on a risk.

Acting as our clients’ dedicated advisor, we leverage deep industry experience to evaluate their unique risk profile against a network of 200+ leading insurance companies, and to craft the precise, bespoke coverage their unique situation demands.

Most insurers look at your business through a single lens. We look at it through two hundred to design custom coverage built entirely around you.

Three decades of judgment behind every placement.

Market relationships that open doors

Years of working with carriers and specialty markets means the team knows where appetite sits for a given exposure — and who to call when a risk is unusual.

We read a risk the way an underwriter does

We see where coverage quietly falls short before it becomes a denied claim, and structure the program to close those gaps.

With you past the sale

Renewal planning, mid-term changes, and claims guidance are part of the engagement — not an afterthought once the policy is bound.

Our Process

How a risk is assessed, reviewed across markets, placed, and serviced through renewals and claims.

Explore the process

Our Markets

The wholesale appointment and carrier markets Sterling Lloyd draws on — and how breadth of access shapes the coverage that results.

See the markets

Take the next step with Sterling Lloyd

Use Start Your Review if you are ready to move forward. Upload Current Policies is available if you would rather ask a question, gather information, or take a lighter next step first.

Start Your Review Upload Current Policies