Your success changes everything.
Growth brings new risks. Most coverage doesn’t keep up. Over the past 45 years, we’ve seen it happen the same way — clients protected for who they used to be, not for who they are today. We read the fine print, confirm your position, and align coverage with your current reality. So you can keep growing with confidence.
View Business Insurance
Our commercial insurance clients share a common goal: having a trusted advisor in their corner and a strategy to protect the business they have built. We deliver competitive, tailored coverage that fits each organization’s risks. Common policies our clients need include:
- General Liability
- Commercial Property
- Workers Compensation
- Commerical Auto
- Business Owners Policy (BOP)
- Cyber Liability
- Directors & Officers
- Professional Liability / Errors & Omissions
- Inland Marine
- Surety Bonds
- And More
View Private Client
The one thing our personal insurance clients have in common is a desire to have someone in their corner to properly protect their future. We enjoy providing competitive terms from our carriers, including Pure, Chubb, AIG, Cincinnati, Travelers, and more.
Some of our offerings:
- Home, Condo, Renters
- Flood and Earthquake
- Personal Auto
- Personal Craft & Boat
- Personal Articles
- Valuable Collections / Fine Art
- Personal D&O Insurance
- Workers Comp for Domestic Staff
- Personal Umbrella ($5M+)
Access changes the outcome.
A mainstay is the cable that holds your mast. Without it, everything comes down.
Most people spend years building the right team: the right financial advisor, the right legal counsel, the right management. But insurance gets picked last, inherited, or cobbled together over years of growth. That's a problem, because higher limits don't protect you if you're with the wrong carrier, and the wrong carrier doesn't get fixed by a better policy. It gets fixed by a better broker with access and market knowledge.
Most of our clients find us through a referral. That's not an accident.
FAQ
What does it cost to work with a broker instead of going direct?
Working with Falcon West does not add an extra line‑item cost compared to going direct for home and auto insurance, because the broker is paid a commission that is already built into the policy premium by the insurance company.
In other words, you pay the same premium whether you buy directly from the carrier or through a broker, but with a broker, you also get advice, market access, and ongoing service for that built‑in compensation.
Why should I work with an independent insurance broker instead of going direct?
As an independent brokerage, we are not tied to any one insurance company. We can compare multiple carriers, negotiate on your behalf, and tailor coverage around your specific risks and priorities. That means you get more choice, more transparency, and an advocate who is focused on your long‑term protection, not a single company’s sales quota. We work for you, not the carriers.
Do you only work with clients in California and Minnesota?
No, we have clients in 38 states (and growing). While many of our clients are based in California and Minnesota, where we have our headquarters, we serve successful businesses and families throughout the United States.
If your operations or properties span different locations, we can help coordinate coverage so everything works together seamlessly under one risk strategy.
How does the process work if I want you to review my current insurance program?
We start with a brief conversation to understand your operations, assets, contracts, and risk tolerance. We then review your existing policies for gaps, overlaps, and pricing issues, and benchmark them against current market offerings. From there, we present clear recommendations, explain trade‑offs in plain language, and help you implement any changes with as little disruption to your business or personal life as possible.
For personal insurance, do you only access carriers like Pure and Chubb?
Not at all, but our carriers are generally geared toward providing insurance options for individuals and families seeking higher coverage limits or service. This doesn’t mean premiums are not competitive in the insurance market, but it does mean underwriting may have different guidelines we have to review. We also only work with AM Best A-rated carriers.
What’s with all the rugby?
We may be obsessed with a sport most Americans only hear about once every four years — but it’s a truly beautiful game, and we love sharing it with others.
Our President, Mike Tanghe, played rugby in college. Brokers Bill Leversee and Dave Hodges are both Rugby Hall of Fame players. And Maceo Brown, who joined us in 2025, is a former Olympic rugby athlete.
Yes, they all have Wikipedia pages.
Our Academy Program is an internship built around Major League Rugby and US Rugby athletes — though it’s open to anyone interested in gaining experience in commercial insurance. And whenever we can, we love supporting our community through sports.
The truth is that rugby athletes have an incredible work ethic; they get the job done no matter what it takes, and they put others first.
Let us show you why rugby might be what your current broker is missing.
Rugby calls it instinct.
Professional athletes dedicate their lives to the game. And the same skills that make a great rugby player — split-second decision-making and absolute trust in teammates — are the same skills that make great risk managers.
When the final whistle blows, that doesn't get overlooked.
The Falcon West Academy takes high-level rugby players and builds them into insurance professionals. We don't sponsor local teams and partner with the MLR just to give back to our own community; we do it to fuel the next generation of disciplined professionals.
Life and Insurance, Simplified
Falcon West has built a top reputation with insurance carriers and customers alike since 1981. Our team members each average over fifteen years of experience in helping clients with a properly scheduled insurance program. With access to over thirty carriers, we manage over $60M in premiums, a testament to our commitment to customer service across the United States and abroad.
Business Insurance
Supporting your business at any stage, from startup to international success.
Personal Insurance
Protecting your personal assets, including home, auto, umbrella, and more.
With you, for life.
We’re active in our communities and know the importance of great customer service and a properly set up insurance program. A full life shouldn’t make insurance complicated. But it requires an insurance partner constantly looking out for your best interest. Contact us to start a conversation and see our recommendations for you!