Schaub Insurance Agency, Inc.

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Schaub Insurance Agency, Inc. An indepedent insurance agency that can write your business, auto, home coverages and much more!! Let Schaub Insurance Agency, Inc.

Woman-owned independent insurance agency for specializing in coverage solutions for businesses; commercial lines policies. do the hard work of reviewing your insurance and submitting the coverage to multiple carriers for the best combination of coverage and price! We'll try to beat your current pricing, but if we can't, we'll tell you up front! Insurance is more than just price, you also want to make sure you have the right coverages in place and there are no exclusions on a policy that can be costly at the time of a loss. We'll evaluate your current coverages and limits and provide feedback about areas that should be addressed, and leave the decision making up to you! Our primary goal is to make sure YOU have the best combination of coverage and price, and that YOU are protected when it counts. We are located at 370 Mulberry Dr, Ste G, San Marcos CA 92069 - in the Access Health Insurance office! Office appointments are strongly encouraged as we are not always in the office, and are unable to accept walk-in appointments. Please be sure to give us a call, email us, or use our scheduling link here: https://calendly.com/schaubinsuranceagency

We also have many quote forms online for fastest processing. Start here: https://www.schaubinsurance.com/request-a-quote

Founded in April 2017. Licensed and practicing insurance since 2003. Owner / President background: https://www.linkedin.com/in/joann-schaub-cic-crm-cisr/

SIA is insurance with heart. We are starting a campaign of giving, where every month we will select a cause/charity and a portion of the revenue we earned that month will be donated to that charity. The following is our charity lineup for 2022. We are your lifelong partners and trusted advisors in insurance, and care about the community. As we grow, the amount we can give to charity will grow too. We process our donations on "Giving Tuesday" to maximize the contributions. Our 2022 Roster:
January = San Diego Humane Society
February = North County Food Bank
March = Women’s Resource Center
April = The Escondido Creek Conservancy
May = NF2 and The Boys & Girls Club of San Marcos
‍‍June = Meals on Wheels-San Diego County
July = Casa de Amparo
August = DCS – Deaf Community Services
September = Leukemia/Lymphoma - Light The Night
October = Breast Cancer
November = AIDS – The Center San Diego
December = Mama’s Kitchen

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One phishing email can lock a business out of its own accounts. This Cybersecurity Awareness Month, start with four habi...
10/16/2026

One phishing email can lock a business out of its own accounts. This Cybersecurity Awareness Month, start with four habits:

1. Use a unique password for every account, and let a password manager keep track of them.
2. Turn on multifactor authentication, starting with email, banking, and payroll.
3. Pause before you click. Report suspicious emails, texts, and calls instead of responding.
4. Install software updates when they arrive. Many of them patch known security holes.

Good habits lower the risk. They don’t pay for a breach. If customer data is exposed or ransomware takes your systems offline, a general liability policy may not respond. Cyber liability coverage can help with notification costs, data recovery, lost income, and legal defense.

https://www.schaubinsurance.com/

We’ve been working our fingers to the bone on our next newsletter. 💀 Tips and updates delivered straight to your inbox.N...
10/14/2026

We’ve been working our fingers to the bone on our next newsletter. 💀 Tips and updates delivered straight to your inbox.

No spooky jargon, no haunted fine print. Just practical insurance know-how from a local team that’s here when you need us.

Sign up today. It’s frighteningly easy: http://eepurl.com/cTU5AD

Every October 9th, we honor firefighters and remember the Great Chicago Fire of 1871. This year’s Fire Prevention Week t...
10/09/2026

Every October 9th, we honor firefighters and remember the Great Chicago Fire of 1871. This year’s Fire Prevention Week theme is “Charge into Fire Safety™: Safe Charging Is a Superpower,” and it’s all about the lithium-ion batteries in our phones, laptops, e-bikes, scooters and power tools.

Here’s your safe charging checklist:
⚡ Cheap charger? Don’t chance it. Use the charger that came with your device, or one the manufacturer approves.
⚡ Soft surface? Hard pass. Beds and couches trap heat, so charge on a hard, flat surface.
⚡ Feels hot? Stop using it. The same goes for swelling, leaking or a strange smell.
⚡ Fully charged? Time to unplug.
⚡ For tools and rides, charge outside. E-bikes, scooters and power tools have bigger batteries, so charge them outdoors when you can and never block an exit.
⚡ Out of sight? Not in flight. When you charge on a plane, keep your device where you can see it, and tell a flight attendant if it overheats.

Bonus tip: when you buy anything battery-powered, look for a UL, ETL or CSA mark. It means the product was tested for safety.

Got a new e-bike, scooter or other big-ticket item this year? Make sure it’s covered the way you expect.

https://www.schaubinsurance.com/

A customer slips on a freshly mopped floor. Your crew cracks a client’s countertop. General liability is the policy that...
10/07/2026

A customer slips on a freshly mopped floor. Your crew cracks a client’s countertop. General liability is the policy that answers both calls.

Commercial General Liability (CGL) covers claims from people outside your business: bodily injury, damage to someone else’s property, and personal and advertising injury, like a competitor claiming your ad copied their slogan. It’s where most business coverage begins, but not where it ends.

CGL doesn’t cover injuries to your own employees, your business vehicles, or your own building and equipment. Each of those needs its own coverage, and knowing where one policy ends is how you avoid surprises at claim time.

Start with the appropriate quote form at https://www.schaubinsurance.com/request-a-quote

Four in ten U.S. businesses are owned by women. Happy National Women’s Small Business Month to every one of them!Women b...
10/01/2026

Four in ten U.S. businesses are owned by women. Happy National Women’s Small Business Month to every one of them!

Women business owners create jobs, sponsor the Little League team, keep neighborhood storefronts open, and show the next generation of girls what’s possible.

Here at Schaub Insurance Agency, we’re proud to count our founder, JoAnn Schaub, among them. JoAnn brings over 20 years of experience in the industry, and as a small business owner herself, she knows what the women we serve are carrying: the payroll, the new hires, the contract that needs a certificate of insurance by Friday.

This month (and every month!), shop local, mentor someone who’s just starting out, and tell the women business owners in your life that you see what they’ve built.

And if you run a business and want a second look at how it’s covered, we’d be glad to help.

https://www.schaubinsurance.com/request-a-quote

Behind every new business are late nights, big decisions, and a lot of courage. When that first customer walks in, the o...
09/29/2026

Behind every new business are late nights, big decisions, and a lot of courage. When that first customer walks in, the only thing on your mind should be making them feel welcome.

That’s what the right coverage gives you: the freedom to focus on the dream instead of the what-ifs, so a kitchen fire or a slip on a wet floor doesn’t become a setback. Whether you’re a team of one or a team of fifty, we’ll make sure your coverage fits the business you’re opening, from day one.

Getting ready to open? We’d love to be part of your story. Request a quote: https://www.schaubinsurance.com/request-a-quote

A client asks for your Certificate of Insurance before the job starts. Here’s what that document actually does, and what...
09/25/2026

A client asks for your Certificate of Insurance before the job starts. Here’s what that document actually does, and what it doesn’t.

A Certificate of Insurance (COI) is a one-page summary of your business’s coverage: the types of insurance, the limits, and the policy dates. Clients, landlords, and general contractors often require one before work begins. It shows coverage was in force on the day it was issued. It doesn’t change or add to the policy itself.

Hiring a contractor or vendor? Ask for their COI before they start, ideally sent directly from their insurance agent. If they’re uninsured and someone gets hurt or property is damaged, the claim can land on you. And if your contract calls for you to be an additional insured, being listed on the certificate isn’t enough. That takes an endorsement on their policy.

Before the next job starts, check that your certificates are current.

https://www.schaubinsurance.com/

One fall at work can sideline an employee for weeks. Workers’ comp is required in nearly every state, often from your ve...
09/23/2026

One fall at work can sideline an employee for weeks. Workers’ comp is required in nearly every state, often from your very first hire. It covers medical care and a portion of lost wages while your employee recovers, so they can focus on getting better and you can focus on running your business. Going without it where it’s required can mean steep penalties, and it leaves your business responsible for the full cost of the injury. Warehouses, offices, restaurants, job sites: the rules vary by state and industry, so it pays to know exactly where you stand.

Not sure your current policy covers everything it should? The team at Schaub Insurance Agency will review your coverage with you and make sure you’re both compliant and protected.

Questions about your workers’ comp coverage? Start with the appropriate quote form at https://www.schaubinsurance.com/request-a-quote

Benjamin Franklin wasn't writing about medicine. He was writing about house fires.In 1735, Philadelphia was losing homes...
09/18/2026

Benjamin Franklin wasn't writing about medicine. He was writing about house fires.

In 1735, Philadelphia was losing homes one careless chimney at a time. Franklin's argument in the Pennsylvania Gazette was blunt: it costs far less to stop a fire than to rebuild after one. The following year he helped organize the city's first volunteer fire company.

Nearly 300 years later, the math hasn't changed. In North County, prevention looks like clearing brush back from the structure, cleaning the dryer vent, testing smoke alarms when the season changes, and reviewing your policy limits before you need them instead of after.

A coverage review is a short conversation. Rebuilding is a year of your life.

If it's been a while since anyone looked at what your home is actually insured for, let's fix that: https://www.schaubinsurance.com/request-a-quote

09/15/2026

A special announcement is coming, and we can hardly wait to share it with you.

We're not quite ready to say more just yet, but you'll be one of the first to know when we are.

Keep an eye on this page.

https://www.schaubinsurance.com/

Address

370 Mulberry Drive, Ste G
San Marcos, CA
92069

Opening Hours

Monday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm

Telephone

+17603624646

Website

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