Licensing & Disclosures

Last updated: September 30, 2026

License information

Jacob (Jake) Livingood is licensed by the California Department of Insurance, CA License #4135028. Office: 747 Plumas St, Yuba City, CA 95991. You can verify license status and lines of authority using the CDI license lookup.

We are licensed to transact insurance in California. We do not solicit or sell insurance in states where we are not licensed.

Compensation

Our agency is generally compensated by commissions paid by insurance companies and sureties on policies and bonds we place. Commission amounts may vary by insurer, product and premium, and some insurers may pay additional compensation based on factors such as volume or profitability. You may ask us for information about compensation we expect to receive in connection with your policy. If we ever charge a broker fee, it will be disclosed to you in writing in advance, as required by California law.

Third-party platforms

• Personal lines quoting is provided through the Bolt platform.
• Small-business insurance offered online is provided through NEXT Insurance, and policies purchased there are serviced under NEXT's terms.
• Surety bonds are quoted and issued through the BondExchange platform and the participating surety companies.
• Life insurance applications are completed through Ethos. Policies are issued by the insurance company named in your application.

These platforms are independent companies with their own terms and privacy policies. Our agency may be compensated for policies and bonds purchased through them.

California FAIR Plan

The California FAIR Plan is an insurer of last resort for property owners who cannot obtain coverage in the traditional market. Eligibility, coverage and rates are determined by the FAIR Plan. The FAIR Plan policy does not include liability coverage and covers only named perils, so we generally recommend a Difference in Conditions policy.

Surplus lines

Some coverage we place may be written by non-admitted (surplus lines) insurers. These insurers are not licensed by the State of California and are not protected by the California Insurance Guarantee Association. Required disclosures are provided before placement.

Quotes, rates and coverage

Any rates, examples or "starting at" figures are illustrative and not an offer. Final premiums depend on underwriting. Coverage is not bound until confirmed in writing. Not all products, coverages or discounts are available to every applicant.

Consumer assistance

For questions or concerns about an insurance matter, you may contact the California Department of Insurance Consumer Hotline at 1-800-927-4357 or visit insurance.ca.gov.