Commercial-only insurance guidance shaped by decades of experience.
David Crowley Insurance Services provides commercial insurance guidance for nonprofit organizations and businesses throughout California. Based in Santa Rosa, the agency is built for organizations that want a more thoughtful conversation before making important coverage decisions.
David M. Crowley, CPCU, AIC began his insurance career in 1986 as a commercial underwriter for a national insurance carrier. That underwriting background continues to shape how he reviews risk, explains options, and helps clients understand the practical details behind their insurance program.
His work has included nonprofit organizations, car dealerships, fire departments, common interest developments, developers, industrial properties, wineries, artisan contractors, and other commercial clients with specialized risks.
Clear, relationship-based insurance guidance for organizations that need experience, context, and practical support.
A career built inside commercial insurance, underwriting, and advisory work.
David’s background is not personal lines or high-volume quoting. His career has been centered on commercial insurance, complex accounts, property-driven risks, and long-term client relationships.
- 1986
Commercial Underwriting Foundation
David began as a commercial underwriter for a national insurance carrier, gaining early experience evaluating risk from the carrier side.
- 1992
Sonoma County Agency Experience
He moved into agency work in Sonoma County, with an emphasis at that time on franchise car dealerships and commercial accounts.
- 1996
Niche and Property-Driven Risk Work
His work expanded into more specialized commercial risks, including developers, industrial properties, common interest developments, wineries, artisan contractors, and public service organizations.
- 2009
Independent Agency Founded
David founded his own agency to provide independent, relationship-first commercial insurance guidance for clients who value experience and continuity.
Insurance decisions are stronger when the risk conversation comes first.
Whether advising a nonprofit organization, a commercial business, or a property-driven account, the goal is to understand the organization before discussing coverage. That creates a clearer path for evaluating options, preparing for renewals, and making decisions with confidence.
Understand the Organization
David begins by learning how the organization operates, what it is responsible for, and what pressures may affect insurance decisions.
Review the Real Risk
The conversation may include property exposures, operations, claims history, nonprofit unemployment liability, leadership concerns, contracts, and renewal timing.
Advise With Clarity
Clients receive practical guidance, clear explanations, and ongoing support so coverage decisions are easier to understand and manage.
Explore a Smarter Way to Protect Your Nonprofit
If your organization is paying state unemployment insurance taxes, there may be another option. David Crowley Insurance Services helps nonprofit leaders evaluate unemployment liability insurance solutions designed to reduce costs, protect against claims, and keep more resources focused on the mission.