Ted Hamm Insurance Agency: Commercial Insurance Advisors for Contractors, Agriculture, and Growing Businesses

In today’s business environment, having insurance is one thing. Having the right insurance — with the correct classifications, endorsements, limits, and coordination between policies — is something entirely different.

That’s where Ted Hamm Insurance Agency stands apart.

Based in Paso Robles and serving businesses throughout San Luis Obispo County, Santa Barbara County, and across California, Ted Hamm Insurance Agency specializes in commercial insurance solutions for contractors, construction companies, agricultural operations, and mid-market businesses that need more than a simple quote.

Meet Chris Raders

Chris Raders, Owner and President of Ted Hamm Insurance Agency, entered the insurance industry after seeing too many business owners left exposed by policies that looked fine on paper but failed when it mattered most — especially in commercial construction.

Rather than focusing on simply selling policies, Chris built the agency around a different philosophy: understanding how a business actually operates before recommending coverage.

What Chris enjoys most is the advisory side of insurance. By sitting down with business owners, learning how their operations function day-to-day, and identifying potential risk gaps, the agency helps clients build insurance programs that truly fit their business.

For Chris, insurance is not just about paperwork. It is about making sure clients are protected when something goes wrong.

A Local Independent Agency with Industry Experience

Ted Hamm Insurance Agency is a locally owned independent insurance agency serving contractors, construction trades, agricultural operations, and commercial businesses throughout California.

What makes the agency unique is that many of their advisors come directly from the industries they insure. With backgrounds in construction, agriculture, and business ownership, the team understands operational risks before they ever review a coverage form.

Because they are an independent agency, Ted Hamm Insurance Agency works with multiple top-rated insurance carriers to build customized insurance programs tailored to each client’s specific operation.

Meet the Team

The team at Ted Hamm Insurance Agency brings experience, responsiveness, and specialized knowledge to every account.

Leadership & Risk Advisors

• Chris Raders — President, Agent & Risk Advisor specializing in mid-market commercial and construction accounts

• Shannon Swensson — Vice President, Agent & Risk Advisor with expertise in Commercial Lines and Agricultural risks from farm & ranch policies to wineries.

• Catie Ash — Personal and Commercial Lines Risk Advisor known for clear communication and client education

• Kai Matthews — Personal and Commercial Lines Risk Advisor focused on detail and client service

• Laura Rojas — Commercial and Farm Lines Risk Advisor specializing in contractors insurance

• Dayleen Aldridge — Commercial and Farm Risk Advisor with extensive contractor and agricultural expertise

• David Reese — Commercial and Farm Lines Risk Advisor providing hands-on support for complex accounts

Client Services Team

Jennifer Sandrejo, Frances Pena, and Rezzie Moya help clients with certificates, endorsements, renewals, and day-to-day policy support to ensure responsive service whenever needed.

Commercial Insurance Solutions for Contractors and Businesses

Ted Hamm Insurance Agency specializes in insurance programs for contractors, construction companies, agricultural operations, and growing businesses.

Contractor & Construction Insurance

The agency provides:

• General Liability Insurance

• Workers’ Compensation Insurance

• Commercial Auto & Fleet Coverage

• Contractor Bonds

• Builder’s Risk Insurance

• Contractor Equipment & Tool Coverage

• Umbrella & Excess Liability

• Subcontractor Default Insurance

Contractor Trades They Commonly Serve

• General Contractors

• Commercial Electrical Contractors

• Commercial HVAC Contractors

• Commercial Plumbing Contractors

• Excavation & Earthwork Companies

• Infrastructure & Road Construction

• Landscaping & Pool Contractors

• Alarm & Low-Voltage Contractors

• Finish Trades & Specialty Contractors

Additional Commercial & Agribusiness Services

• Farm & Ranch Insurance

• Agribusiness Insurance

• Business Owners Policies (BOP)

• Garage Liability Coverage

• Employment Practices Liability (EPLI)

• Cyber Liability Insurance

• Commercial Property Insurance

• Business Interruption Coverage

• Personal Insurance Policies

• Commercial Risk Gap Assessments

Real-World Contractor Insurance Problem Solving

Recently, a general contractor in San Luis Obispo County contacted Ted Hamm Insurance Agency during an active bid season after discovering that a required certificate did not match his actual policy.

The contractor faced multiple issues:

• Liability limits were too low

• Additional insured endorsements were incorrect

• Workers’ compensation classifications had not been reviewed

The team completed a full commercial risk gap assessment, reviewing:

• General Liability

• Commercial Auto

• Workers’ Compensation

• Umbrella Coverage

After correcting classifications, updating endorsements, and remarketing the account, the contractor received a compliant certificate before the bid deadline. The final result not only improved coverage accuracy but also reduced the client’s premium.

This type of advisory work is what defines the agency’s approach: not simply quoting policies, but helping businesses protect what they have built.

What Makes a Great Referral for Ted Hamm Insurance Agency?

Ted Hamm Insurance Agency is an excellent referral for:

• Established contractors needing more than basic liability coverage

• Construction companies with workers’ comp or bonding challenges

• Mid-size businesses needing a full insurance review

• Agricultural operations requiring specialized farm and ranch coverage

• Businesses managing multiple policies across different carriers

• Growing companies needing higher limits or umbrella policies for larger contracts

Learn More or Request a Coverage Review

Whether you are a contractor, farmer, business owner, or growing company, Ted Hamm Insurance Agency focuses on building insurance programs that match real-world operations — not just checking boxes on an application.

Contact Ted Hamm Insurance Agency

• Website: Ted Hamm Insurance Agency

• Team Page: Meet the Team

• Get a Quote: Request a Quote

• Instagram: Ted Hamm Insurance Instagram

• Facebook: Ted Hamm Insurance Facebook

• Phone: (805) 238-1818

Know a contractor, rancher, or business owner who needs a real coverage review? Reach out to Ted Hamm Insurance Agency today and connect with a team that understands the industries they serve.