Who We Work For

  • Water & Waste Water Treatment Facilities
  • Water Treatment Sales & Service Organizations
  • Manufactures of Water Treatment Products
  • Resellers of Water Treatment Products & Services
  • Water Treatment Consultants


MOC has made a positive impact on our business by providing knowledge and expertise regarding insurance coverages to contract language. In addition to exceptional customer service, MOC thinks outside the box in solving problems and has been a valuable risk management partner in our water treatment business.

Byran O’Connell, President

Meras Engineering

Included Resources and Services

  • Emergency Response
  • In-House Claim Handling
  • Contract Reviews & Recommendations
  • Pre and Post Claim Assessment
  • Risk Mitigation Services

Tailored Risk Management Coverages

  • Property
  • General Liability
  • Professional Liability
  • Site and Contractors Pollution Legal Liability
  • Crisis Management
  • Sudden & Accidental Premises
  • Transportation Environmental Exposures
  • Defense Costs Outside the Limits
  • Umbrella
  • Workers’ Compensation

Service Overview

There are many types of technology companies, each with unique risk characteristics that can differ between industries. Taking the time to fully understand these differences and providing professional risk management solutions is what MOC is all about. Whether you’re an online advertising company, custom software developer, SEO company, graphic design company, IT training facility, information technology consulting firm, or a combination of any of these, MOC has the relationships, expertise, and resources to protect your company from start-up to IPO.

How MOC Can Help You

We help the controller, CFO, or office manager with an insurance program that is simple and leaves nothing to chance. We provide secure online document transferring, cloud-based technologies, electronic signatures, a single point of contact, and the ability to provide coverage in all 50 states and overseas.

Client Services

  • Professional Liability
  • Cyber Liability
  • General Liability
  • Data Breach Liability
  • Professional Media Liability
  • Workers’ Compensation
  • Electronic Business Interruption
  • Employee Benefits

Service Overview

Whether you’re an emerging company with ties to university incubators or a well-established life science company with 100+ employees, MOC has the carrier relationships, the expertise, and the resources to protect your company. Founded in San Francisco in 1969, MOC operates in the heart of the nation’s biotechnology community. We love helping biotechnology, pharmaceutical, and medical device companies bring innovation to the world.

How MOC Can Help You

We help the controller, CFO, and office manager with an insurance program that is simple and leaves nothing to chance. We provide secure online document transferring, cloud-based technologies, electronic signatures, a single point of contact, and the ability to provide coverage in all 50 states and overseas.

Client Services

  • Worldwide products and clinical trials liability insurance
  • Coverage for professional services provided by sales and service personnel
  • Directors and Officers Liability
  • Manufacturer Errors and Omissions coverage if negligent manufacture or design process impairs a third party
  • Workers’ Compensation and Group Disability for employees in the U.S. and abroad
  • Business interruption and extra expense protection for downtime due to FDA recertification and lost milestone payments
  • Medical benefits for employees

Service Overview

MOC Insurance Services' team of workers' compensation professionals deliver a commitment to service our clients to meet all insurance coverage requirements. We help our policyholders understand the whole product and all of the components that drive cost. Via the strength of our business partnerships with our specialty comp markets and national writers we facilitate efficient delivery of claims management and risk control measures to our policyholders which ultimately impact experience rating, program models and pricing.

MOC educates our clientele group on matters beyond market cyles. Our team's combined underwriting experience and knowledge in the industry allow us to forge long term partnerships with our clients in protecting its best resource, its employees.

Client Services

  • Operations and underlying risk analysis
  • Extensive and strategic account marketing
  • Rate review and pricing negotiations
  • Experience modification management

Workers' Compensation Products

  • Guaranteed Cost Plans
  • Small and Large Deductible Models
  • Retrospective Rating Options
  • Self-Insurance Models
  • Captives
  • Groups and Associations
  • Foreign Voluntary Workers' Compensation
  • Stop Gap Coverage and Multi State Capacity

Service Overview

Since its establishment in 1969, MOC has been focused on serving the Real Estate industry, by providing insurance programs specifically tailored to the needs of Real Estate professionals. The Real Estate industry faces many unique insurance exposures, some of which include: Property Foreclosures, Real Estate Managers and Brokers E&O and Property Vacancies and Rehabilitations.

MOC specializes in providing you with insurance products that protect your investments in the most efficient and cost effective way possible. Whether that investment is residential investment property, office space, retail space, etc., MOC can help you design the insurance program that best suits your needs.

Client Services

  • MOC will assist in evaluating your company's true exposure by working with insurance carriers who specialize in the real estate industry.
  • MOC will review all contracts to confirm adequacy in insurance coverage, and to ensure that all contracts include mutually indemnifying language.

Insurance Program Coverages

  • Rental Property
  • Premises Liability
  • Vacant Property
  • Renovated Property
  • Flood & Earthquake
  • Forced Placed Property
  • Professional Liability including Directors and Officers, Employment Practices, Liability Errors and Omissions, Crime, Fidelity and Privacy
  • Surety Bonds

Service Overview

Program Design

We know each company has its own culture and works best with a benefits program that is tailored to that culture. Before designing a benefits package we meet with your team to gain a better understanding of your company's culture, objectives, and employees. MOC then designs a program that fits your company's unique needs.

Cost Control

Medical insurance premiums have increased dramatically over the last 10 years with no end in sight. MOC aggressively markets and negotiates with current and potential carriers to ensure the best programs and rates available.

Client Services

Our clients have a dedicated Client Manager with a support team designed to handle any assignment. Our services include: Open Enrollment Meetings, One on One employee education, Client Seminars, Daily Administration, Issue Resolution, Program Marketing, Merger and Acquisition facilitation, Legal, ERISA and Health Care Reform education.

Carrier Partners

With 40+ years of industry experience, MOC Insurance Services represents every benefits related insurance carrier in the United States. Our clients are multi-site, multi-state and international.


As our health insurance broker, Nick Dieter of the San Francisco Insurance Center has consistently and efficiently provided our company with the most current industry information available as well as provides outstanding customer service. We can always count on Nick to get the job done!

Human Resource Mgr

Mason-McDuffie Mortgage Corp.

Client Services

  • Plan Design
  • Rate Negotiation
  • Dedicated Client Management
  • Open Enrollment
  • Customized Benefits Web Portal
  • Legal, ERISA and Health Care Reform Education
  • Merger and Acquisition Facilitation

Benefits Programs

  • Medical, Dental, Vision
  • Section 125 and 132 Flexible Spending Programs
  • Voluntary and Supplemental Insurance
  • Disability Insurance
  • Employee Assistance Programs
  • Executive Benefits
  • Key Person Life
  • Alternative Funding Options (Self-funding, Split-funding, Retrospective funding)
  • Association and Trust Programs
  • International Benefits

Service Overview

MOC's Commercial Lines department focuses on commercial accounts ranging in size from small business owners to large risk management businesses. MOC's products and services are provided by a staff of extremely experienced brokers. Our Commercial Insurance programs are tailored to fit each client's needs based on their size, industry, geography and exposure.

Industries included in the Commercial Lines department of MOC include Manufacturing, Technology, Healthcare, Marine, Financial Institutions, Law Firms, Wineries, Restaurants, Contractors and many more.

Client Services

  • Consultative risk analysis
  • Program design and implementation
  • Aggressive brokering and negotiation of insurance coverage
  • On-going risk management and administrative support
  • Assistance in presentation and settlement of claims

Commercial Lines Product Options

  • Business Owners Package
  • General Liability
  • Auto
  • Property
  • Inland and Ocean Marine
  • Product Recall Liability
  • Professional Liability
  • Directors and Officers Liability
  • Fiduciary Liability
  • Umbrella and Excess
  • Fidelity and Surety Bonds

Service Overview

MOC is an established agent-broker with a deep understanding of the aviation sector, providing risk management and insurance services with a client-centered focus. Our objective is to provide specialized coverage, capacity, and minimal deductibles, with stability and security as a primary concern. We maintain continuity with quality underwriters, and collaborate with experienced claims, safety, and loss control experts, intent on being a single point of access to integrated solutions and impeccable service.

Specialized Coverage may include but is not limited to

  • Aviation Commercial General Liability - Premises & Operations
  • Products Liability & Completed Operations
  • Personal & Advertising Injury
  • Hangarkeepers Liability
  • Non-Owned Aircraft Liability
  • Automobile Liability - On Airport Premises
  • Excess Automobile Liability - Off Premises
  • War, Hi-Jacking & Other Perils - Terrorism Risk Insurance Act (TRIA)
  • Catastrophe Management Costs
  • Executive Liability - Directors & Officers - Errors & Omissions - Employment Practices
  • Environmental
  • Aircraft Hull and Liability - Fixed Wing & Rotor Wing - Worldwide
  • Risks of Direct Physical Loss - Real & Business Personal Property - Contractors Equipment
  • Fidelity & Surety Bonds - U.S. Customs Bonds
  • Aviation Workers' Compensation & Employer's Liability - Guaranteed or Retrospective
  • Dividend Programs

Solution-Oriented Risk Management and Insurance Services

  • Partnership Approach with Open Dialogue
  • Surveys & Risk Evaluation
  • Contract Analysis & Consulting
  • Program Design, Negotiation & Implementation
  • Safety & Loss Control - Improve Safety & Reduce Frequency & Severity - Learn from Losses
  • Prompt, Efficient Claims Management - Proactive Cost & Expense Control

Target Clients

  • Airports - Commercial and General Aviation
  • Heliports - Helipads
  • Fueling and Defueling Operations
  • Airlines - Airline Consortiums
  • Contractors - Custodial, Equipment Maintenance, Snow Removal
  • Fixed Base Operators - Ground Service Providers
  • Airshows
  • Aircraft - Government, Private, Corporate - Industrial Aid and Executive Transportation
  • Consolidated Rent-A-Car Facilities

Service Overview

MOC is a leader in providing arts and entertainment insurance, on a nationwide basis, to museums, art galleries, theater owners, film producers, event planners and other suppliers to the entertainment industry. MOC can help you design a claims management and loss control program to help minimize losses from all types of claims, from patron and other third party injuries to employee related workers' compensation and employment practices liability claims.

Placing insurance requires the talents of brokers who are knowledgeable and skilled negotiators in the industry specific to your business. Call MOC today and let us use our experience in the Arts and Entertainment industry to help you design and implement an effective insurance program.


Real people who listen and help you make the smartest insurance decisions. Then when you have a claim, they follow up and support your settlement with the insurance company. The complete package.

Paul Richardson, President

Sundance Cinemas

Client Services

  • MOC can help you create flexible programs with rating correlating to the size and value of collections.
  • MOC works closely with insurance carriers to structure comprehensive yet cost efficient insurance programs for art galleries and museums.
  • MOC facilitates timely and efficient management of claims by collaborating among appraisers, conservators and restorers.

The team at MOC is always ready to provide exceptional service.

Paul Gunsky, President

CineLux Theatres

Current Client Base

  • Museums and Cultural Institutions
  • Art Galleries and Antique Dealers
  • Motion Picture and Live Stage Theaters
  • Performing Arts Centers
  • Event Planners and Promoters
  • Symphony Orchestras
  • Film Festivals
  • Film Producers and Distributors
  • Theater Equipment Suppliers and Vendors
  • Scenic Railroads

Coverage Enhancements Specific to Arts & Entertainment

  • Fine Art and Collectibles
  • Rare Books
  • Antique Weapons
  • Rare Stamps and Coins
  • Emerging Collectibles
  • Exhibitions
  • Museums
  • Fine Art Dealers

Service Overview

Advanced technologies and new environmental concerns are changing the landscape of the agricultural industry. With over 60 years combined experience, MOC's Agriculture team is prepared to help you navigate these changes with our specially tailored insurance programs with cost-effective custom solutions. Planning, prevention and a focus on safety are key elements to MOC's risk management approach.

MOC has access to specialized programs and coverages to help meet the insurance needs of many agricultural operations. Our goal is to implement state of the art risk management techniques to control, transfer or reduce your exposures while reducing your costs.

Client Services

  • Your Agriculture team at MOC can enhance your Loss Control program with experienced professionals at the Broker and Company level to mitigate losses.
  • Your Agriculture team at MOC can assist in tailoring a safety program to adequately protect your agricultural operations.
  • Your Agriculture team at MOC can work with your team to implement Reporting and Workflow Procedures for your asset protection in transferring risk.

Tailored Program Coverages

  • Commercial Ag Packages
  • Farm and Ranch Packages
  • Workers Compensation
  • Excess Liability
  • Product Recall/Food Safety Program
  • Pollution Liability
  • Management Liability
  • Equipment Breakdown
  • Professional Liability
  • Pesticide/Herbicide Applicator Coverage
  • Trade Credit Insurance
  • Foreign Liability, Auto, Work Comp
  • Foreign Travel Accident
  • Crop Insurance
  • MCS90-Environmental Restoration
  • Agronomist E&O
  • Aviation

Service Overview

As one of the largest independently owned full service brokerage firms in the US, we place a particular emphasis on serving the special needs of affluent individuals and families. MOC has an established Personal Risk Management department which allows us to analyze and structure comprehensive personal asset protection programs for our clients. Personal Risk Management is essential to those with substantial assets to help protect individual homes, automobiles, fine art, jewelry and collectibles.

Personal Risk Management's underlying philosophy is that the quality of an insurance program should never be less than the quality of what it protects. At MOC we realize that even the most well designed and implemented insurance program will fail to satisfy the expectations of our clients if the program is not professionally managed. The combination of Personal Risk Management and our exceptional client service helps make MOC the broker of choice for your personal insurance.


My wife and I have been a personal lines clients of MOC for over thirty-five years, benefiting from its professional staff's exceptional service. The depth of my respect and appreciation is reflected in the number of referrals, both personal and professional, that I have made to MOC over the years. MOC is simply the best.

Stephen Lanctot

Coblentz Patch Duffy & Bass LLP

Personal Risk Management Services

  • MOC works with our clients to determine the asset base and tailor an insurance program that most effectively protects those assets.
  • MOC will help to quantify the financial loss potential and evaluate the loss prevention measures to ensure appropriate mitigation of loss.
  • MOC provides ongoing account management as part of our commitment to continued client services.

Personal Risk Management Program Options

  • Home
  • Condominium
  • Renters and Rental Dwellings
  • Personal Umbrella
  • Boats/Yacht
  • Auto and Motorcycle
  • Jewelry, Fine Art, Antique Collections and Silverware