9197 Greenback Lane, Suite E
P.O. Box 2470
Orangevale, CA 95662

(916) 988-0214

(916) 989-4719

Josh joined ADD&L Insurance as an insurance broker in 2010 after working directly for Liberty Mutual Insurance. Within his career, Josh has continued to focus on understanding his clients’ needs, building long-term relationships, and being the professional insurance partner of choice through continued excellent service. He understands the importance of competitive pricing along with responsive, personal service. As of 2017, he was brought in as a partner of the agency.

Josh has been a resident of the greater Sacramento area since 1979, is married to Heidi Horch and together they have been blessed with two children: Annie and Asher. He received a bachelor’s degree in Risk Management & Insurance from CSU Sacramento. After graduating, Josh decided to follow in his families’ footsteps by joining the insurance firm his Grandfather helped to create in 1957.

Licenses Held:

Property, Casualty, Life & Health Insurance License # 0G56136

Real Estate & Mortgage Broker License BRE # 01749382 NMLS # 106510

Industry Focus

  • Mobile Home & RV Parks and Storage Facilities
  • Construction – Generals to Artisans, focusing on restoration risks
  • Auto Repair/Auto Body Repair
  • Restaurants
  • Retail
  • Manufacturing
  • Apartments, Mixed Use, Warehouses
  • Wholesale & Distributor risks
  • Technology

Available Coverage Options

  • Workers’ Compensation
  • Commercial General Liability
  • Excess Liability
  • Business Auto
  • Director and Officers Liability
  • Professional Liability/E&O
  • Bonds
  • Course of construction
  • Home & Auto
  • Life & Health

Send Josh a message