Expert Coverage with Personal Touch
Your business. Our priority.
A warehouse, a restaurant, an apartment building and a factory each carry different risks. We get to know your business, find coverage that fits, and are here for every renewal, claim and certificate. Auto, home and life for your family too.
Commercial insurance
Insurance Built for Business Owners
A warehouse, a restaurant, an apartment building and a factory each carry different risks. We place coverage for businesses like these every day, through Farmers and specialty markets, to fit your industry.
Business
Business owner's, general liability, cargo and commercial auto, set to your industry's risks.
Learn more →Workers' Comp
Medical and wage coverage when an employee is hurt, and help meeting legal requirements.
Learn more →Commercial Umbrella
Higher limits above your general liability and commercial auto, for contract requirements and larger claims.
Learn more →Professional & Management Liability
Business risk is not only property and injuries. A client claim, a board decision or an employee dispute can lead to costly lawsuits too. These are three coverages we put front and center.
Errors & Omissions
Protection when a client says your professional work contained a mistake, omission or delay that cost them money.
Learn more → D&ODirectors & Officers
Protection when leaders are sued over decisions or management, for companies, nonprofits and HOA boards.
Learn more → EPLIEmployment Practices Liability
Protection when an employee alleges discrimination, harassment, wrongful termination or similar claims.
Learn more →Industries We Know
Third-Party Warehouse Operators
Warehouse legal liability and customer goods
Restaurants
Property, liability and employee coverage
Habitational
Apartment buildings, HOAs and condominiums
Manufacturers
Equipment, product liability and business interruption
Office, Retail and Service
Package coverage for small and mid-size operators
- Send your detailsTell us about your operations, locations and payroll.
- We go through it togetherWe explain what each coverage protects and talk through the trade-offs.
- We find the right marketWe place with Farmers or a specialty carrier, whichever fits your risk.
Personal insurance
Protection for Your Family and Home
Personal insurance is currently available to California residents.
Auto
Liability, collision and comprehensive, matched to how you and your family drive.
Learn more →Umbrella
An extra layer of liability protection above your auto and home policies for larger claims.
Learn more →Life
Plan for your family's future, with each option explained in plain language.
Learn more →
About the agency
Welcome to Zhina Zhou Insurance Agency
Your peace of mind is our priority. Led by Zhina Zhou, fondly known as Xena for her fierce dedication, our team collectively brings over 35 years of expertise in home, auto, commercial and life insurance. We are committed to understanding your unique needs and crafting tailored coverage that prepares you for life's uncertainties. With integrity and transparency at our core, we guide you through every step of policy selection, renewals and claims with clarity and care.
Zhina Zhou Agency owner
Our Commitment to You
Customer focus drives everything we do. We take the time to explain coverage options so you feel confident and informed. Serving clients in California and other states, we are reachable by phone, text, email or social media. Our solution-oriented approach means we address your needs early and respond on time for every sales, claims and service question.
Our Promise
We follow through on every promise with diligence and reliability. Whether you are seeking coverage or working through a claim, we treat you like family. Partner with us to experience insurance done differently, where your needs come first and our values shape every interaction.
Culture and values
Our mission
To understand your unique needs and, with integrity and transparency, craft coverage that lets you face life's uncertainties with confidence.
Where we serve
Business Insurance Across State Lines
For business insurance, we are licensed in California, Texas, New Jersey, Illinois and Georgia, with more states available. If your business operates in more than one state, we can arrange your policies for you from our Ontario, California office. Personal insurance (auto, home, life and more) is currently available in California only.
Client reviews
What Our Clients Say
Current customers
Need a Certificate, a Change or a Claim? We Are Here.
Our work does not end when the policy is issued. These are the requests business customers ask for most.
Request a Certificate of Insurance
A landlord, client or contract asks for proof of coverage? Tell us the certificate holder and wording needed and we will turn it around quickly.
Fill out the request form →Report a Claim
When something happens, make sure people are safe, then call us right away. We help you report it and follow it through.
909-295-5298 →Policy Changes and Payroll Audits
Add a vehicle or driver, update payroll, change an address, or get help with a premium audit.
Fill out the request form →Common questions
Frequently Asked Questions
Getting Started
What kinds of insurance do you offer?
For businesses, we arrange business owner's and general liability, commercial property, cargo, commercial auto, umbrella and excess liability, workers' compensation, group health, and E&O, D&O and EPLI. For individuals and families in California, we offer auto, home, renters, umbrella and life insurance.
Which states do you serve?
We write business insurance in California, Texas, New Jersey, Illinois and Georgia, and can help in more states. Personal insurance is currently available in California only. If you are not sure about your state, call or message us.
How do I get a quote?
Use the quote form on this page and choose Personal or Commercial, or call 909-295-5298. We explain the coverage with you first, then prepare your quote, so you know exactly what you are buying.
Why do you explain coverage before quoting?
A low price is only a good deal if the policy covers what you could actually lose. Walking through your coverage first helps you avoid gaps, and it is how we help you decide, not just compare numbers.
Do you work with more than one insurance company?
Yes. We work with Farmers and also with specialty markets, so we can look for the right fit for your industry and your risks.
Do you speak Chinese?
Yes. We serve clients in English and Chinese, in the office, by phone and on WeChat. Use the EN / 中文 switch at the top of this page to read the site in either language.
Business Insurance
What do I need to get a commercial quote?
Your business name and what you do, your state, number of employees, annual revenue range and payroll, your current policies and renewal date, and any past claims. The more we know, the more accurate the options.
What are E&O, D&O and EPLI?
E&O (errors and omissions) covers claims that your professional work had a mistake. D&O (directors and officers) covers leaders sued over management decisions. EPLI (employment practices liability) covers employee claims such as discrimination or wrongful termination. Ask us whether they fit your business.
My business is in another state. Can you help?
Often yes. We handle business insurance in California, Texas, New Jersey, Illinois and Georgia, and can help in more states. If your business operates in several states, we can coordinate your policies from our Ontario, California office.
Do I need workers' compensation?
In California, most employers with employees are required to carry it. Rules differ by state and by how workers are classified, so talk with us before you decide.
Current Customers
How do I get a certificate of insurance?
Use the certificate request form in the Current customers section of this page. Tell us who needs the certificate and any special wording your contract requires, and we will take it from there.
How do I report a claim?
Make sure everyone is safe first, then call our office at 909-295-5298 right away. We help you report the claim and follow it through.
How do I change my policy or get help with a payroll audit?
Use the policy change and payroll audit form in the Current customers section. A change is not in effect until we confirm it with you.
What should I not put in the website forms?
Please do not enter Social Security numbers, driver's license numbers or payment card numbers. We will collect anything sensitive in a safer way when we speak with you.
Did not find your question? Call 909-295-5298 or email contact@nanainsurance.com and we will be glad to help.
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