The Agency

With roots that date back to 1984, a proven track-record of delivering solid coverages and an outstanding dedication to customer service, it's no wonder thousands of Californians have chosen Metro Insurance as their premier insurance broker. As an independent agency, we represent our client's interests first and foremost, providing more than just a product. Metro is your one-stop insurance resource and service department.


Metro Insurance started with the entrepreneurial spirit of Tom and Sandy Smith. Incorporated in 2005, Metro quickly became Southern California's top source for contractor's liability insurance. After growing out of their two room rental, they purchased what is today's Metro HQ in Tustin, CA. When the 2008 recession closed the doors of many contractors, Metro began branching out. Because of their attention to detail and customer-first mentality, Metro transformed into a successful generalist agency. Today Metro is proud of the fact that we insure all companies of all sizes, and treat each business like an "A list" client.


Our agency prides itself on using bleeding-edge software and technology. This results in measurable cost savings to your business, as well as making your life easier. A few key features included:

Not into tech? Don't worry - we love shaking hands and doing business the old-fashioned way - face to face - if that's your thing. We even have a fax machine and typewriters still.


52+ Current Carriers and Wholesalers
98% Renewal Rate
2 Hours Average Certificate Turnaround*
Immediate self-issue services available!
19 Years In operation
4.8 Stars Internet reviews
1 Average Certificate Turnaround*
Centrally located office

Meet our Staff

Bios for each staff member coming soon. Please check back!

Tom Smith
Sandy Smith
Nathan Smith
Insurance Financial Planner
Gabby Ceja
Cari Cook