Insurance section · Public disclosures
Public disclosures
What California law asks an insurance agent to tell you, and a few things Billy wants you to know before you buy. Each point links to its source.
- License #0B55041California Department of Insurance
- NPN 2624911National Producer Number
- 800-927-4357Department of Insurance Consumer Hotline
License and lines of authority
Billy Robles is licensed by the California Department of Insurance.
Insurance · CA Insurance License #0B55041 · NPN 2624911
Lines of authority: Life & Health; Property & Casualty
Anyone can look up a California insurance license, its status and any discipline history with the Department's free lookup tool, by license number, name or business name. California law also requires an agent's license number on business cards, written quotes, print ads and email about insurance work. That's why you see it on every page of this site.
Billy is licensed in California and works with California residents, properties and businesses.
The name Billy does business under
California licensees must file their true name and any business name with the Department of Insurance, and may generally use no more than two names, including their true name. This site uses only the name on Billy's license.
How Billy is paid
The coverage review is free, and Billy does not charge broker fees. When you buy a policy, the insurance company pays Billy a commission, which is part of the premium the company charges. It is not added on top.
California law treats a separate broker fee very strictly. A licensee may charge one for personal insurance only when all of these are true:
- You agree to it in advance, after full disclosure.
- You get the Department of Insurance's standard disclosure form and sign a broker fee agreement.
- The broker has a broker bond on file.
- The fee is disclosed together with the first premium quote.
- For auto or home coverage, you also get the Department's consumer pamphlet about broker fees.
A broker fee can't be charged when the licensee is an appointed agent of the insurance company used. No broker fee may ever be charged on a California FAIR Plan policy, an assigned risk (CAARP) policy or a California Low Cost Auto policy. If you are ever asked for a fee you did not expect, ask for the signed agreement, and call the Department of Insurance if there isn't one.
The companies Billy offers
Billy is an independent agent, not an employee of any insurance company. Each product page shows the companies he can offer for that kind of coverage. He works with some companies directly and reaches others through a licensed wholesale agency, which gives independent agents access to more companies. Either way, the insurance company you choose issues the policy, sets the price and handles claims.
Showing a company's name or logo does not mean that company has approved you. Each company decides whom it insures.
If an insurance company fails
California has two safety nets for policies from admitted companies, meaning companies licensed by the Department of Insurance:
| Association | What it protects | Limits set by law |
|---|---|---|
| California Insurance Guarantee Association (CIGA) | Covered claims under home, auto, business and other property and casualty policies | Up to $500,000 per claim; for a home under a residential policy, up to $1,000,000 or the policy limit, whichever is less; workers' compensation claims have no cap |
| California Life & Health Insurance Guarantee Association | Life insurance, annuities and health insurance for California residents | 80% of a life policy's death benefit up to $300,000; 80% of cash value up to $100,000; 80% of an annuity's value up to $250,000; $300,000 overall for life and annuities per person |
Neither association covers policies from non-admitted (surplus lines) companies. If a policy is placed with one, California requires you to sign a separate notice, in large bold type, saying the company is not licensed by California and is not backed by its guarantee funds. If you never got and signed that notice, you may cancel and get a pro rata refund of the premium and any broker fee.
Free look on life insurance
Billy's license also covers life insurance. When you buy a new individual life insurance policy or annuity in California, you can return it during the free-look period stated on the policy for a refund. The period is at least 10 days, and at least 30 days if you are 60 or older when you buy.
If you are declined or charged more
If an insurance company declines your application, cancels or non-renews your policy, or charges you more because of information about you, California law entitles you to the specific reasons in writing, or a notice that you can ask for them. You then have 90 business days to request the details. The insurance privacy notice explains this and your other rights.
For home insurance, the non-renewal guide explains the notice your insurance company must give you.
Questions and complaints
Billy wants to hear about any problem first: (323) 393-5077 or billyrobles@robles.agency. You can also go straight to the California Department of Insurance, which regulates insurance companies and agents:
- Consumer Hotline: 800-927-4357 (TTY 800-482-4833)
- File a complaint online (opens in a new tab), with an Español option
- Help from the Department in Spanish (opens in a new tab)
Errors and omissions insurance
Billy carries errors and omissions insurance, which covers mistakes an agent might make in his professional work.
What these pages are not
The insurance pages give general information about insurance in California. They are not a quote, a policy, a binder, or legal or tax advice. Your policy documents control. See the insurance terms of use.
Common questions
How do I check that Billy is licensed?
Use the California Department of Insurance license lookup and search for license number 0B55041 or his name. It shows the license status, the lines of authority and any discipline.
Where do I file a complaint about an insurance company or agent?
Call the California Department of Insurance Consumer Hotline at 800-927-4357 (TTY 800-482-4833) or file online at the Department's Consumer Complaint Center. Help is available in Spanish.
What happens if my insurance company goes out of business?
For admitted companies, California's guarantee associations pay covered claims up to limits set by law. Policies from non-admitted (surplus lines) companies are not covered by them.
Do I pay Billy directly?
No. When you buy a policy, the insurance company pays Billy a commission out of the premium it charges. The coverage review is free, and Billy does not charge broker fees.
Sources
Checked October 25, 2026. Laws, programs and rates change, so confirm anything important with the source or with Billy.
- CDI: check a license status (opens in a new tab)
- CDI: license status lookup tool (opens in a new tab)
- California Insurance Code section 1725.5 (license number in ads, quotes and email) (opens in a new tab)
- California Insurance Code section 1724.5 (business names) (opens in a new tab)
- CDI: Auto Insurance Guide (how agents and brokers are paid) (PDF) (opens in a new tab)
- CDI: summary of the broker fee regulations (opens in a new tab)
- CDI: standard broker fee disclosure (opens in a new tab)
- California Insurance Code section 1623 (acting as a broker) (opens in a new tab)
- NCIGF: California Insurance Guarantee Association summary (opens in a new tab)
- California Life & Health Insurance Guarantee Association: FAQ (opens in a new tab)
- California Insurance Code section 1764.1 (surplus lines notice) (opens in a new tab)
- California Insurance Code section 10127.9 (free look) (opens in a new tab)
- California Insurance Code section 10127.10 (free look at 60 and older) (opens in a new tab)
- California Insurance Code section 791.10 (reasons for an adverse decision) (opens in a new tab)
- CDI: getting help and the Consumer Hotline (opens in a new tab)
- CDI: Consumer Complaint Center (opens in a new tab)
- CDI: help in Spanish (opens in a new tab)