M.D. Manouel Insurance Agency was formerly San Joaquin Valley Insurance Associates. Our agency has a long history in Fresno and the valley communities, and is now more talented than ever with over 38 years of experience. All of our employees have either acquired designations, are aspiring to obtain their designations, or have exceeded their continuing education requirements. We continue our aggressive approach to marketing for our renewal business as well as our new referral business. Our staff does not hide behind voice mail or email. We try to personally answer our client's needs immediately. We will never take our insured's business for granted as we are committed to earning and retaining our customer's trust in us. Knowing our client's needs and providing the best coverages based on their objectives is our ultimate goal. We know this approach gives our employees purpose and lends itself to establishing long term relationships.

We continue to be a full-service agency providing a friendly, personal touch with our customers. We represent and access highly rated insurance companies, both admitted and non-admitted, for the best possible product. It's one of the reasons why we retain more than 96% of our clients year-in and year­ out.

Since 1974, we have provided specialty products to a variety of industries as well as non-profit social service organizations. Self-insurance products in both workers compensation and employee health benefit programs are the way of the future. We can provide a comprehensive description of these programs that can both lower your fixed costs and provide substantial tax savings to you and your employees.

M.D. Manouel lnsurance has a distinguished history of long-term employees and professional agents. Simply stated, we know what we are doing and how to get it done.