
Insurance Steel Brokers · Carlsbad, California
Nathan Norman
Co-owner & Co-founder · Property & Casualty
California License #0L80995
Check a license with California DOI (opens in a new tab)Property and casualty guidance for the businesses you build and the people and property you care about. Based at our Carlsbad office, Nathan works with clients across San Diego County and California.
Background and responsibilities.
Nathan is the third generation of his family in insurance to own a brokerage that offers all around property and casualty protection. His grandfather opened an agency in 1981. His father carried that legacy forward. Nathan built on it to open his own brokerage with a clear purpose: put the customer first.
With more than a decade protecting business owners and families, Nathan brings experience, conviction, and personal accountability to every policy. He asks the hard questions and gives honest answers. His mission is to build coverage that holds up when it matters and relationships that last.
Areas of focus.
Discuss products, processes, equipment, contracts and interruption exposures.
Review buildings, tenant operations, occupancy, leases and rental income.
Connect liability, property, employees and vehicles in one coverage review.
Discuss your trade, job contracts, tools, crews and bond requirements.
Review the risks around your premises, staff, equipment and service.
Consider household protection and liability limits together.
A practical conversation about your risks.
For a business owner, the starting point is the work itself: what you do, where you do it, who works for you and what your contracts require. Nathan helps connect that picture to liability, property, vehicle and employee-related coverage.
For a contractor, a certificate request is only part of the discussion. The job scope, subcontractors, equipment and requested endorsements all matter. Reviewing those details before work begins can help identify mismatches between a contract and a policy.
For a household, a home or auto policy should be considered alongside assets, drivers and liability exposures. Changes such as a home purchase, renovation or a new driver are a good reason to review coverage rather than simply renew it unchanged.
What to bring to the conversation.
- Current policy declarations and renewal dates
- A description of your business operations or household changes
- Any lease, client contract or certificate requirements
- Questions about limits, deductibles, exclusions or prior claims
Questions worth asking.
- Can Nathan help with both business and personal insurance?
- Nathan’s focus is property and casualty insurance, including commercial coverage and personal home and auto needs. A discussion of your circumstances helps determine which policies and markets may be appropriate.
- Where can I meet the team?
- Insurance Steel Brokers has an office in Carlsbad, serving clients in San Diego County and across California. Call or email ahead to arrange a visit; you can also start a quote request online.
- Who handles life insurance and annuities?
- Co-founder Sandra Lariz focuses on life insurance and annuities. The team can connect you with her when your questions involve family protection or retirement income planning.
Further reading.
Start with what you make, how you make it and where responsibility changes hands—not simply the word “manufacturer.”
The building, the tenant operation and the lease belong in the same conversation—but they do not create identical insurance responsibilities.
A specialty trade is not a complete risk description. Explain the work, the job sites and the responsibilities that travel with your crew.
A local team in Carlsbad.
Serving San Diego County, North County and clients across California. Reach out before visiting so we can arrange time to discuss your questions.
Contact our Carlsbad office2870 Whiptail Loop Ste 223
Carlsbad, CA 92010888-268-7113
Monday–Friday · 8:30 AM–5:30 PM Pacific
One independent team.
Co-owner & Co-founder · Life & Annuities
A family-owned brokerage built on listening, honesty and personal accountability.
Information is general education, not a coverage guarantee or personalized legal, tax or investment advice. Product eligibility, benefits and availability depend on underwriting and policy terms. Verify current licensing details through the California Department of Insurance.
