Business Details
50+ Years
experience
Emergency
services
Your Trusted Insurance Partner Since 1958
Elmco Insurance has been a trusted source for comprehensive insurance solutions since 1958. Founded by Emmett Lee Meadows, our agency has evolved into a family-owned business offering personal and commercial insurance services across multiple states. Our team of licensed professionals works with top-rated carriers to provide tailored coverage for auto, life, health, home, business, and specialty policies. We prioritize personalized service, maintaining long-term client relationships through prompt assistance and competitive pricing. With expertise in hard-to-find policies and a commitment to industry excellence, we hold professional designations such as CPCU, CIC, and CLU.Our 24/7 availability ensures clients receive timely support for claims and policy adjustments. Headquartered in Orange, California, we serve diverse markets while maintaining local service standards. Our legacy of trust is built on decades of experience and a focus on client education about coverage options. We continuously adapt to industry changes while upholding our founding principles of integrity and customer care. This enduring approach has made us one of Southern California's most successful independent agencies.
Services
Auto Insurance
Life Insurance
Business Insurance
Homeowners Insurance
Classic Car Insurance
Mexican Auto Insurance
Earthquake Insurance
Specialty Policies
Details
- Year established: 1958
Highlights and features
- We offer over 65 years of experience in personal and commercial insurance.
- Our team holds professional designations including CPCU and Chartered Life Underwriter.
- We provide 24/7 availability for claims and policy assistance.
- We work with top-rated insurance carriers nationwide.
- We maintain long-term client relationships through personalized service.
Associations and certifications
- CPCU
- CIC
- CLU
- ChFC
- IIA
- NALU
What people say
Always available
Confidence in business
Excellent job tracking
Trusted source
Prompt local service
Services
Auto Insurance
We provide comprehensive auto insurance solutions including liability, medical coverage, and protection against uninsured motorists. Our policies cover collision and comprehensive damages with customizable deductibles. Clients receive personalized rate comparisons to ensure optimal coverage at competitive prices.
Life Insurance
We offer term, whole life, and combined policies tailored to individual financial needs. Our experts help clients understand policy nuances while ensuring long-term security for beneficiaries. We work with major carriers to provide competitive rates and flexible coverage options.
Business Insurance
We provide comprehensive business insurance including liability protection, property coverage, and workers compensation. Our solutions help companies control claims while maintaining affordable programs. We specialize in customized policies for various industries and business sizes.
Classic Car Insurance
We offer specialized coverage for collector vehicles through Hagerty Insurance. Our policies protect antique cars, muscle cars, and specialty vehicles with tailored protection plans. We provide expert guidance for insuring rare and high-value automotive collections.
Earthquake Insurance
We provide earthquake insurance coverage for residential and commercial properties. Our policies protect against seismic damage with customizable coverage options. We help clients understand risk factors and implement appropriate protection strategies for California and other high-risk areas.
People
Jamie Richardson
President
Jamie Richardson leads Elmco Insurance as President, continuing the family legacy of excellence in insurance services since 2019.
Tom Meadows
Chief Financial Officer
Tom Meadows serves as Chief Financial Officer, bringing decades of insurance industry experience and family business leadership to Elmco Insurance.
Richard Campoli
Agent and Account Representative
Richard Campoli provides expert insurance services as an Agent and Account Representative with extensive knowledge of personal and commercial policies.
Giang Nguyen
Agent and Account Representative
Giang Nguyen offers professional insurance solutions as an Agent and Account Representative, specializing in policy customization and client support.
Shane Schneider
Agent and Account Representative
Shane Schneider delivers personalized insurance services as an Agent and Account Representative with expertise in risk assessment and policy management.
Questions
Why do I need insurance?
Insurance protects assets, provides financial security for families, covers healthcare needs, and ensures business continuity during unexpected events.
What factors affect insurance premiums?
Premiums depend on claims history, location, coverage type, policy limits, and risk factors specific to the insured property or individual.
How does where I live affect auto insurance costs?
Urban areas typically have higher premiums due to increased accident, theft, and litigation risks compared to rural locations.
Do all states require liability insurance?
No, but most states have financial responsibility laws requiring drivers to prove ability to pay for damages, which liability insurance fulfills.
Am I covered for natural disasters?
Comprehensive coverage protects against most natural disasters except floods and earthquakes, which require separate policies.
Why do I need business insurance immediately?
Business risks exist from day one, and many jurisdictions require insurance for legal operation and landlord agreements.
