Stewart Rubiano- Farmers Insurance Agent

10/01/2026

If an employee sued your business tomorrow, would your insurance cover it?

Most general liability policies don't. EPLI covers claims like wrongful termination, discrimination, and harassment, including legal costs. Not every carrier offers it, either.

If you have employees, it's worth a look. DM me and I'll help you check your coverage.

09/30/2026

Honesty is the best policy, and we mean that literally. 🏡

When you share the full picture with us, we can find coverage that truly fits and that you can count on when you need it most.

At Rubiano Insurance, you'll always get straight answers, clear explanations, and no surprises.

Questions about your coverage? We're just a message away. 💬

09/27/2026

Not just a policy. An experience. ☕

📁 Documents printed + organized
🪪 ID card holder
💌 Thank-you card + coffee on us at a local café
🤝 Real conversation, never rushed

This is how we take care of Placerville. 🏡

DM us or stop by!

09/24/2026

Same people. Same promise. 🤝

Our team has changed recently, and it's given us time to reflect, including on how I can lead better. We're taking that seriously.

What hasn't changed: your coverage, our commitment, and a real person answering when you call. Questions, claims, or renewals? We're here → 844-465-3678

Thank you for standing with us. 💙

09/19/2026

NOW HIRING 📣
Insurance Sales Reps
✅ 100% remote after 90 days
✅ Licensed P&C preferred, will train
✅ Pay based on experience
👉 Tap the link or DM us to apply!

https://www.indeed.com/m/viewjob?jk=3cbc6f53217295a2

09/12/2026

THE 1099 TRAP 🛑

Running a business in California is a high-stakes game. ⚖️

A single compliance blindspot can completely wipe out your personal savings and ruin everything you’ve built.

As an insurance professional, I see the devastating cost of legal battles daily. I want to save local business owners from a massive financial trap: Trying to skip workers' comp by misclassifying staff.

Think hiring 1099 "independent contractors" completely shields your business from needing insurance? Not if you treat them like employees. ❌

Whether you manage a construction crew, a cleaning service, a delivery business, or an office staff, pay attention. Under California’s strict laws, if you control a worker's schedule, dictate how they work, or provide their primary tools... they are legally employees.

The Consequences:
💥 The Lawsuit: If they get hurt and you chose not to carry workers' comp to save money, you lose your legal shield.
💥 The Cost: You can be sued personally for full medical bills, lost wages, and civil damages. What you "saved" on premiums will disappear in a flash.

Protect your family, your finances, and your livelihood:
➡️ Want rules & control? Put them on payroll + get coverage.
➡️ Want independent contractors? Give them total autonomy.

Don't wait for a legal crisis to wish you had handled things differently.

DM me today for a quick, zero-pressure compliance check to make sure your assets are bulletproof! 📈

09/10/2026

09/10/2026

Join our team. Apply here >>>

https://www.indeed.com/m/viewjob?jk=3cbc6f53217295a2

Thank you.

Apply for the Insurance Sales Representative job in Placerville, CA! Learn more about the job description, salary, and job details to see if you qualify on Indeed today.

08/04/2026

⚠️ Insurance Policy Alert — Please Read, El Dorado County Neighbors!!!

Some residents have discovered inaccuracies on their home insurance applications~~ specifically misrepresented distances to fire hydrants and staffed fire stations.
This isn't a small detail: insurers use this info to set your premium, and if it's wrong, they can use that same inaccuracy to deny your claim later~~ potentially after a wildfire, when you need coverage most.

What's happening:

Applications are being submitted with false information about fire protection access. If you didn't personally verify these details with your agent, you may not know what's actually on your policy.

What you can do:

Request a copy of your full application and policy ~~read what's actually listed for hydrant/fire station distance.

Verify those distances yourself with El Dorado County Fire or CAL FIRE
Confirm your agent's license status at insurance.ca.gov (License Status Check)

California law (Ins. Code §2071) requires fire policies to follow a standard form~~ you can look up exactly what your policy is legally required to include at leginfo.legislature.ca.gov

If you find inaccuracies, file a complaint with the CA Dept of Insurance: 1-800-927-4357 or insurance.ca.gov

Don't wait until a claim is denied to find out your application had false information on it. Please share with your neighbors. 🏡🔥

State of California