We Are Here to Make Your Insurance Needs Simple
An independent agency specializing in professional liability for consultants, tech companies, med spas, and dealerships — plus expert guidance through workers comp audits.
Our Specialties
Focused Expertise Where It Matters
We don't do cookie-cutter insurance. Our deep knowledge in these industries means better coverage, better rates, and a team that truly gets your business.
Consultants
Tailored professional liability coverage that protects your expertise and your livelihood. We understand the unique risks consultants face every day.
Tech Companies
From startups to established firms, we provide E&O, cyber liability, and general liability coverage designed for the technology industry.
Med Spas
Specialized coverage for medical spas including professional liability, general liability, and property insurance to protect your practice.
Dealerships & Auto Body Shops
Comprehensive coverage for auto dealerships and body shops — from garage liability and dealer open lot to property and workers comp tailored to your operations.
Workers Comp Audits
Hit with a large workers comp audit? We walk you through the entire process — reviewing classifications, payroll records, and fighting for the right outcome.
Why Choose Us
Protection with a Personal Touch
At 4th Gen, we believe insurance should be simple, straightforward, and tailored to you — never one-size-fits-all.
Woman-Owned
A certified woman-owned business bringing a fresh, personalized approach to insurance.
Independent Agency
We represent multiple carriers, giving you more choices and competitive pricing — not cookie-cutter programs.
Industry Expertise
Deep knowledge in professional liability for consultants, tech companies, and med spas.
Built on Values
Integrity, accountability, and delivering real value guide everything we do for our clients.
Our Services
