Dedication Heart Wisdom
At DHW, insurance isn’t about policies and paperwork — it’s about protecting people and the businesses they’ve built.
We lead with real conversations, clear guidance, and a commitment to simplifying coverage so you can move forward with confidence.
Built on Relationships, Inside and Out
Our business has always been about people. We focus on building lasting relationships, making sure every client and team member feels valued and supported.
We listen first, speak plainly, and put connection at the center of everything we do. That’s how we’ve built lasting partnerships for more than 60 years — and how we’ll continue to grow together.
The Heart of DHW.
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“My experience with DHW Insurance Brokers has spanned over 25 years and I would recommend them highly. The personal service that they provide is exceptional. If I have to leave a message, the call is returned PROMPTLY, even if my contact is not available. And if my normal contact is not, others that return the call our equally responsive. DHW Insurance Brokers have provided me with the highest rated insurance carriers that also provide me with updated coverage under the guidance of DHW Insurance Brokers. I plan on continuing with DHW Insurance Brokers for many years to come.”
Craig Nolan, Owner
Industrial Railways Inc.
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“DHW has been our insurance broker since we opened our first residential care facility in 2008. With my partners, we now own and operate several such facilities. We have been very happy with DHW’s ability to find the best prices and coverages for our needs out in the marketplace. We also believe that Dave and his team have provided excellent customer service with a personal touch. We feel that we have a partner that takes the time to understand our business and the insurance needs as we grow and open new facilities.”
Amy Narciso, President
Narasol, Inc.
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“Terry has handled our General Liability and Workers Compensation Insurance for the last 20 years – we could not be more satisfied! The entire DHW team is professional, timely, and more importantly pro-active in both marketing our policies to new insurers and in helping to close open WC claims. Each year, we are given a thorough breakdown of all the carriers that our account was marketed to and we are an active participant in the final selection. I would highly recommend them to anyone.”
Jim Wood, President
R&J Construction Inc.
Better Insurance for your Business
Running a business is complicated.
Protecting it shouldn’t be.
With DHW, you get tailored coverage, plain answers, and a team that’s as invested in your success as you are.
Risk Management
Effective risk management goes beyond insurance — it’s about protecting every part of your business. At DHW, we help you identify exposures, prevent losses, and build resilience so you can focus on growth with confidence.
Employee Benefits that truly Benefit Employees
At DHW, we believe in practicing what we preach. That’s why our own team enjoys people-first benefits that support their growth — and why we help our clients do the same.
Together, we’ll build a plan that keeps your employees cared for and committed.
Personal Insurance, Personalized Care
Since 1960, families across California have trusted DHW to protect what matters most. From everyday coverage to specialized insurance for high-value homes, we make protection simple, personal, and stress-free.
Insurance Made Simple
