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August 2016






Recognize Volunteer Leadership Risks


Insuring Those Who Improve Our Community




How does your insurance stack up?  To learn more about -


protecting your personal risk with a solid
auto and umbrella package, or ...


protecting your for profit or
not for profit
social service risk ...


call Anitra Koski 





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Insurance121 Insurance Solutions

Our Name ...


represents our philosophy of doing business -
providing common sense insurance solutions - 
always "one-to-one"!









Recognize Volunteer Leadership Risks


Do you or someone you know hold some type of leadership role in a community, charity, religious, not-for-profit, or political organization? Have you thought about your personal risk by serving in this capacity?


Consider these tips (provided by International Risk Management Institute, Inc), to manage your personal risk.





1.     Confirm that the appropriate directors and officers (D&O) coverage is in force.

2.     Verify that the organization's by-laws include an indemnity agreement requiring reimbursement of costs of defense and settlement or judgment amounts due to your personal liability arising from your actions on behalf of the organization or the organization's own actions.

3.     If your community service involves no remuneration or slight remuneration (e.g., under $2,000 annually), your homeowners policy may provide coverage, although the liability limits may be inadequate. To broaden this liability coverage to include more perils, consider adding the personal injury (HO 24 82) or similar endorsement to your homeowners policy to provide some protection from allegations such as libel, slander, and wrongful eviction.

4.     Accounting audits may rarely be performed for not-for-profit organizations. As a result, you should ask and verify that audits are implemented for these organizations. Otherwise, your exposure to loss is greater.

5.     In addition, personal umbrella coverage is warranted; an umbrella policy with broad protection arising from these types of activities should be selected.


Copyright 2016
International Risk Management Institute, Inc.



Insuring Those Who Improve Our Community 


Human and social service organizations provide varied and complex services. You want to know you have an insurance broker who understands your needs. We offer coverage to hundreds of types of not for profit - and for profit entities. 

Click the links below for details on each.

Contact us at Insurance121

for a competitive proposal -

  • property and liability
  • directors & officers
  • cyber/data breach
  • vehicles
  • workers' compensation



Anitra Koski

Insurance121.  Insurance Solutions.
Liberty Center II Building
9381 E Stockton Bl, Ste 204
Elk Grove, CA  95624


o | (916)236-3351
c | (916)296-0085




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Anitra Koski | | Insurance121 Insurance Solutions | 9381 E Stockton Bl, Ste 204 | Elk Grove, CA 95624<

Our Location


9381 E Stockton Blvd #204
Elk Grove, CA 95624
Main office: 916-236-3351
Fax: 916-405-4205

Our Providers


I had been using the same general liability insurance for years. I had Insurance 121 review my coverage--it was discovered that I was completely underinsured! To my surprise, Anitra's personalized designed policy gave my business greater coverage at a very reasonable rate. Thanks so much!

Theresa G.
Anitra and Denise have always been there when I have needed them to explain changes in my policy or to fulfill any request I may have. I trust them with all my business and personal insurance. If you're like me and don't want to worry about your insurance, please call Insurance121, you won't be disappointed.

Kari B.
Fantastic service, Anitra and her staff really do give you the 1-2-1 experience. Everything is handled in a personal and professional manner. Great rates and the best service!!!

Andrew W.
I am very happy with the services I have received from the people at Insurance121 over the years. I really do feel as though they are working tirelessly to look out for our interests. It's great to work with such dedicated professionals!

Don R.
I have followed this agent through 4 different companies over the 25 years I've known her. I can buy insurance anywhere, but seldom get the personal service that you get from 121 . They feel like part of our family and are always right there in the thick of it for us.

Stephen S.
First rate, professional, experienced, knowledgeable. Anitra and her team are the best in the business in the greater Sacramento area.

Tammy M.
Anitra has provided incredible service to my company. Her customer service has been incredible. I recently had some issues with a client's insurance requirements; Anitra and Denise not only assisted me with understanding the insurance terminology, but spoke directly with our client to resolve some contractual issues. This team has always been responsive and great to work with. Thank you.

Joan D.
Such a great team, Anitra is really hands on and knows her stuff! She provides a great service to businesses, large and small. I highly recommend her and the Insurance121 team.

Jedidah L.