Licenses and disclosures
Who is licensed, how to check, how we're paid, and what to do if you have a complaint.
Licenses
| Licensee, as filed | License | Number | State |
|---|---|---|---|
| Brandon Joshua Zakariaie (Brandon Zakaria) | Property and Casualty Broker-Agent, issued October 13, 2026 | #4587203 | California |
You can confirm any license with the California Department of Insurance: Check a License.
- Legal entity: Latch Insurance Services, a Delaware corporation
- State of domicile: Delaware
- Principal place of business: Palo Alto, CA
Where we're licensed
We are licensed in California. We don't offer or place insurance in states where we aren't licensed.
We're a broker, not an insurance company
Latch Insurance Services is a licensed insurance broker. We work for you. We place coverage with insurance companies. Insurers make all coverage and claims decisions, issue the policies, and pay claims.
Nothing on this site is an offer of coverage. Coverage is not in force until an insurer confirms it in writing. Not all coverages are available in all situations.
Surplus lines insurers
Some properties can't be placed with insurers licensed by California (admitted insurers). In those cases coverage may be available from a surplus lines insurer, placed through a licensed surplus lines broker.
Surplus lines insurers are not licensed by the State of California. Their policies are not protected by the California Insurance Guarantee Association, which means there is no state fund to pay claims if the insurer becomes insolvent. California requires a written disclosure before you buy a surplus lines policy, and you'll receive it with your placement documents.
How we're paid
Insurers pay us a commission when we place your policy. If we ever charge a broker fee, we'll tell you in writing before you agree to anything, as California requires. We never charge broker fees on California FAIR Plan policies.
Your choice of broker
You are always free to choose your own insurance broker. A lender, real estate agent, or anyone else may recommend a broker, but in California they can't require you to use a particular one.
Questions and complaints
If something isn't right, tell us and we'll work to fix it. Contact us.
You can also contact the California Department of Insurance, which regulates insurance brokers and insurers in California. Call the consumer hotline at 1-800-927-4357 or visit the department's consumer help page.