Menlo Insurance Services — Insurance Broker in San Francisco, CA

Who is Menlo Insurance Services?

Menlo Insurance Services (Opero Labs, Inc.) is an independent insurance broker at 406 Utah St, San Francisco, CA 94110. It compares standard and specialty carriers for business insurance — general liability, workers’ comp, commercial property and auto, professional liability — hard-to-place risks and personal coverage. California insurance license 6020106 is active. Call (628) 285-5140 Monday–Friday, 10 AM–5 PM.

Menlo is an independent brokerage: instead of selling one company’s policies, it takes one set of answers about your business or home to the carriers it is appointed with — including specialty and excess & surplus markets when a standard policy won’t fit — and brings the options back side by side, comparing coverage terms, exclusions and carrier appetite as well as price. The company says it does not charge broker fees; it is paid a commission by the carrier.

The brokerage is led by Guido Trevisan, CIC, ARM, a licensed property and casualty broker who focuses on commercial coverage, workers’ compensation and hard-to-place risks. Menlo places contractors, restaurants, professional offices and real estate, plus specialty lines such as builders risk, vacant property, earthquake, the California FAIR Plan, special events and cannabis businesses. It also offers back-office software and placement support for independent insurance agents, and has an office in Austin, Texas.

Menlo Insurance Services at a glance

Services offered by Menlo Insurance Services

• General Liability

  Coverage for third-party injury and property damage claims against your business.

• Workers’ Compensation

  Medical care and lost wages for employee injuries, with careful payroll classification.

• Business Owner’s Policy

  Property and liability bundled for small businesses.

• Professional Liability (E&O)

  Defense and damages when a client says your advice or work cost them money.

• Commercial Auto & Umbrella

  Coverage for business vehicles and extra liability limits.

• Specialty & Hard-to-Place Risks

  Excess & surplus lines, builders risk, vacant property, earthquake, FAIR Plan, special events and more.

• Personal Insurance

  Homeowners, condo, landlord, auto, umbrella, flood and earthquake coverage.

• Surety Bonds

  Including notary and contractor bonds.

• Back-Office Support for Agents

  Prefilled applications, multi-carrier quoting and follow-up drafts for independent agents.

How to get a fast, accurate insurance quote

Have these details ready when you call (628) 285-5140 or fill out the quote form:

• What you need to insure — your business, a home, rental property, vehicles, an event or a project.
• For businesses: what you do, annual revenue, payroll by job type, number of employees and the states you work in.
• Your current policies and renewal dates, plus any coverage a contract or landlord requires.
• Claims in the past three to five years.

Compare coverage limits, deductibles and exclusions — not just price — and ask for the quote and policy terms in writing before you bind.

Hours & contact

Office: 406 Utah St, San Francisco, CA 94110. Closed Saturday and Sunday. Call (628) 285-5140 or email support@menloinsurance.com.

Where does Menlo Insurance Services serve?

Menlo Insurance Services is based in San Francisco’s Potrero Hill/Mission area and works with businesses and households across California, with an office in Austin serving Texas. Much of the quoting and service is handled by phone and online.

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Frequently asked questions about Menlo Insurance Services

Before you buy insurance through any broker

Look up the agent or agency on the California Department of Insurance license search. Ask which carrier will write the policy and whether it is admitted or non-admitted (surplus lines), read the exclusions and deductibles, and ask whether any broker fee applies — in writing — before you pay.