Defensive Insurance Services Provides Unmatched Resources to Clients, Giving Them All the Tools They Need

Have you ever worked with an insurance provider that never really gave you the time of day? Like they just wanted to be sure your payment cleared each month, and that was enough?

We’re not one of those insurance brokers.

Defensive Insurance Services is a locally-owned and operated independent broker serving the Bay Area and clients across the United States. You could say we’re a family business, as we’re now ushering in a fourth generation as of 2024.

One of our commitments is to help clients make informed decisions – and that begins with providing as much information as possible. Insurance is already complicated, and while it’s hard to “un-complicate” it, we’re trying to make things more approachable.

When you trust Defensive Insurance Services with your insurance needs, you also get access to various resources that will help now and in the future.

What you should know about Defensive Insurance Services

In case you missed it, we’ve rebranded! C.L. Moore & Associates is now Defensive Insurance Services.

We’ve refreshed our brand image to reflect the new chapter in our commitment to providing our clients with well-qualified independent insurance expertise. Our logo and colors may have changed, but our dedication to earning clients’ trust, educating them to make informed decisions, and defending their future remains steadfast.


If it seems like insurance is complicated, well, you’re not far off. That’s why working with Defensive Insurance Services has many benefits – mainly that we do the heavy lifting for you and walk you through each step of the process.

Some people want to know more, and we encourage that! To help get familiar with the various terms and jargon you’ll commonly find in the insurance industry, we’ve assembled a comprehensive glossary that defines different terms and puts them into context.

You can check out the glossary here.

Our official blog

We’re only getting started with the official blog of Defensive Insurance Services. Our plan is to regularly post new content in this space, offering tips, advice and our perspective on the latest from the insurance industry. Our main focus, however, is making sure the content we provide is serving you – the customer.

Look for regular posts on the Defensive Insurance Services blog in the days, weeks and months ahead!

Defensive Insurance Services client service portal

This is your one-stop shop for everything related to insurance with our company. Essentially, you can manage your account through the service portal – from filing a claim to requesting a certificate, those processes start here.

Referral portal

Are you loving your experience with Defensive Insurance Services? We sure hope so. One way to spread the word about our insurance offerings is to jump in the referral portal. If you know someone who is a business owner and needs coverage for their company and/or employees, we’d love to talk to them.

With more than 50 years of experience, you can trust Defensive Insurance Services to find insurance coverage that’s right for you. Once you submit a request for a quote, our team will survey the options and provide multiple recommendations – giving you the confidence to make an informed decision.

Get a Quote