Business Details
30 Years
experience
Emergency
services
Trusted Insurance Broker in Los Altos, CA
Stephen Horn Insurance Services has been a trusted specialty insurance broker since 1996, dedicated to serving labor-management trust funds, labor unions, and related organizations. Founded by Stephen Horn II, a third-generation insurance professional with over 40 years of industry experience, we specialize in crafting customized property and casualty insurance programs tailored to each client's unique needs. Our team combines deep expertise in fiduciary liability, cyber insurance, and union liability with a commitment to advocating for clients through alternative risk management strategies. With long-standing relationships across top-rated insurers, we secure comprehensive coverage while maintaining a boutique approach that prioritizes personalized service.Our senior management actively oversees every client account and claim, ensuring seamless support through a secure 24/7 digital platform. As industry leaders, we contribute to advancing coverage standards and provide ongoing education through publications and academic instruction. Our multigenerational family tradition in insurance is reflected in our dedication to combining legacy expertise with innovative solutions for today's risk management challenges.
Services
Fiduciary Liability
Cyber Insurance
Union Liability
Professional Liability
Workers Compensation
Details
- Year established: 1996
Highlights and features
- 40+ years of industry experience across multiple brokerages
- Exclusive focus on labor-management trust funds and unions
- Placement with A.M. Best 'Excellent' rated insurers only
- Senior management oversight on all client accounts and claims
- Secure 24/7 digital access to client insurance information
Associations and certifications
- CPCU Society
- ACSR
Services
Fiduciary Liability
Essential insurance protecting labor-management trust funds against claims related to fiduciary responsibilities. We specialize in both standard and excess coverage options for larger trusts, ensuring compliance with ERISA requirements while addressing unique risk profiles through tailored policy structures.
Cyber Insurance
Comprehensive coverage addressing evolving cyber threats and data breach risks. Our expertise includes implementing best practices for incident response planning while securing policies that cover business interruption losses, legal liabilities, and notification expenses associated with modern cybersecurity challenges facing trust funds and unions.
Union Liability
Specialized directors and officers liability insurance designed specifically for labor unions. This protection addresses claims arising from governance decisions, employment practices, and fiduciary responsibilities while supporting union leadership in managing operational risks effectively.
Professional Liability
Errors and omissions coverage protecting organizations against claims related to professional services delivery. Our tailored policies address unique exposures in trust fund administration, union operations, and related management activities with customized risk mitigation strategies.
Workers Compensation
Mandatory coverage for employers meeting California's regulatory requirements. We provide comprehensive protection for workplace injuries and illnesses, including specialized solutions for labor-management trusts that address both compliance needs and potential employment-related claims.
People
Stephen Horn II
Founder & President
Third-generation insurance professional with 40+ years experience. Former partner at Jones Horn Insurance Brokers and president of Calco Insurance Brokers. CPCU designation holder and published author on risk management topics.
Richard Horn
Vice President
Fourth-generation insurance broker with 13+ years managing client portfolios. Expertise in fiduciary liability and cyber insurance. Former investment banking professional with deep insurer relationship network.
Julie Ellis
Senior Account Manager
Commercial insurance specialist with prior experience at small brokers. Licensed P&C broker and former US Army PATRIOT Missile Operator. Holds Associates Degree in Applied Technology.
Debby Horn Haslem
COO/CFO
Certified Public Accountant with 20+ years in marketing and finance roles. Former Clorox brand manager and Price Waterhouse accountant. Holds MBA from UCLA Anderson School of Management.
Questions
What types of organizations do you specialize in?
We exclusively serve labor-management trust funds, apprenticeship training schools, local unions, and employer associations with tailored insurance solutions.
How do you ensure competitive insurance rates?
Our long-standing relationships with all fiduciary liability markets and A.M. Best 'Excellent' rated insurers allow us to secure optimal coverage at sustainable premiums.
What risk management services do you provide?
We conduct in-depth exposure assessments, recommend alternative risk management strategies, and implement customized insurance programs aligned with client risk tolerance and budgets.
How do you handle insurance claims?
Our senior management team actively oversees every claim from start to finish, ensuring timely resolution and maintaining direct communication throughout the process.
Do you offer digital insurance management tools?
Yes, our encrypted online system provides 24/7 access to client files and supports efficient policy management from any internet-connected location.
