Micheletti Alternative Insurance Solutions

Own The Alternative Advantage


Micheletti Alternative Insurance Solutions - Logo

Our name is trusted throughout the community and our expert team has been providing our clients, family, and friends with the highest quality insurance plans combined with some of the lowest rates available in all of California since 1946.

Our ultimate goal is to create long-lasting relationships with each of our clients so that we may continue providing excellent service for many years to come.

Whether you need consulting and options for your business or personal assets, we can help. Our knowledgeable staff has a over 100 years of combined experience and can assist reviewing your current coverage and needs for all business insurance, auto insurance, home insurance, health, or life insurance.

Insurance Solutions....from our family to yours!



Own The Alternative Advantage! With a Group Captive, you can turn your insurance premium into a profit center. 


Workers' Compensation, Commercial General Liability, and Commercial Auto. A Group Captive can combine policies to financially work in your favor for financial returns and overall net cost savings.


As an executive, your tasked to make the best decision for your business each day. Although you may efficiently make those decisions, you are vulnerable to risks in today's complex environment.


We are committed in offering you a comprehensive executive package solution, which could include: Directors & Officers Liability, Employment Practice Liability, Cyber Liability, Crime Insurance, Fiduciary (ERISA) Liability, & Professional Liability.


With rising costs and constantly changing plans, we can ensure you're getting the best coverage for the best rate.


Our office can help your business successfully set up a group health program to assist your employees in heath care expenses. Businesses with one or more employees can qualify.

How can we help you today? Let the Micheletti Alternative Insurance Solutions team help you find the right coverage for your insurance needs.

Work with Experienced
Insurance Experts!

The Micheletti Alternative Insurance Solutions Team
is committed to providing clients with the right coverage, the lowest rates, and award-winning service throughout the state of California. We'll help you choose the right coverage for everything in your life from your home to your business. We treat our customers the way we want to be treated. Come see the difference for yourself.

Business Insurance

Micheletti Alternative Insurance Solutions will provide you with rates from multiple insurance companies to help you shop for the best combination of price and coverage and clearly explain the options, so you can make the best decision on which plan works best for you.

Group Health Insurance

Our Benefits department has over 50 years experience in the medical insurance industry. With a full range of products for Group Medical, Dental, Visit, and Life, we can help complete and service the perfect benefits plan for your employees.

Cyber Liability

The way we do business in today's world leans heavily on technology. Our team can evaluate your business needs to protect your company from cyber liability attacks including data breach, identity theft, funds transfer loss, and cyber extortion.


Errors & Omissions insurance protects a company, or an individual, in the event their client holds them responsible for a service provided or a failure in their service provided. These losses are not insured under a General Liability policy, but we can help bridge the gap between the two policies.

General Liability

Our team understands that anyone who comes in contact with your business can file a lawsuit against you. We are here to help mitigate and protect your business from these suits. General Liability will help you with legal expenses and damages arising out of bodily injury or property damage caused by your company.

Property Insurance

Protect your business assets with Property Insurance. Our team can help you evaluate your business property and locations for adequate coverage in the event of a loss. Whether you own a building, lease a work space, or work from home, property insurance can help protect your business assets.

Workers' Comp

Micheletti Alternative Insurance Solutions will provide your business with the proper coverage and tools to mitigate Workers' Compensation losses and rate increases. Our knowledgeable service and claims departments take pride in being there for our customers when they need them the most.

Auto Insurance

More and more vehicles hit the road daily making auto insurance one of your greatest risks. Our team has the knowledge and resources to help manage your auto insurance properly.

High Fire Hazard Home Insurance

Non-Renewal or High Insurance Rates?

Our team can help you navigate the appropriate coverage for your tough to place home. We have the markets and expertise to make sure you are properly protected, at an affordable price.


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Monday - Friday: 8:00AM - 4:30PM
Saturday & Sunday: Closed

Contact Us

Micheletti Alternative Insurance Solutions
300 Banner Ct. Suite 1
Modesto, CA 95356

Phone: (209) 576-2808
Fax: (209) 530-3888
Email: info@michelettiins.com