About Us
Our Story: Serving Visalia Since 2007
We opened our doors in 2007 with a straightforward purpose: to give residents and business owners in Visalia, CA a real alternative to the one-size-fits-all insurance experience. Ozzy Gallardo founded Viva's Quality Services after recognizing that working families and small business owners in the Central Valley deserved access to honest brokerage guidance and competitive rates without being steered toward whatever a single carrier happened to offer that month. Over the years we have grown into a trusted name in Tulare County, known for keeping coverage affordable and the process simple, whether a client is comparing auto insurance options for the first time or securing a business owners policy for a new venture in the area.
What Makes Us Different: Independent Brokerage Built Around You
Because we operate as independent brokers, we are never tied to one carrier’s pricing structure. That independence is the core of how we serve clients looking for home insurance quotes, commercial property coverage, or affordable small business insurance in Visalia and the surrounding region. We control our broker fees, keeping them manageable and transparent, so there are no surprises at signing. We also bring a breadth of coverage options that most single-carrier agencies simply cannot match, from flood and earthquake insurance to commercial auto, workers compensation, special events coverage, and watercraft and boat policies. For clients who want financial services support or need help with DMV registration or tax preparation, we handle those needs in the same office, saving time and building a longer-term relationship built on trust rather than a single transaction.
Who We Are and What We Cover
Viva's Quality Services is a small, focused agency led by owner and CEO Ozzy Gallardo, operating out of Visalia, CA and serving clients throughout Tulare County and the broader San Joaquin Valley. Our primary lines include personal auto, homeowners, renters, and business insurance, along with commercial auto coverage, commercial general liability, commercial property, and workers compensation for employers of all sizes. We also write secondary lines that round out a client’s total protection, including motorcycle insurance, recreational vehicle policies, umbrella coverage, watercraft and boat insurance, flood, and earthquake insurance. Large clients and community members alike come to us when they want a broker who understands their budget constraints and can find coverage that fits, not just coverage that is available.
Community Roots in the Central Valley
Visalia, CA is not just our business address, it is the community we are part of. Our clients are neighbors, local business owners, tradespeople, families, and long-time residents of Tulare County who need someone they can call when a coverage question comes up or a policy needs to change. Ozzy is also affiliated with Primerica, through which he offers life insurance, investments, and home loans as a separate complement to the main agency, giving clients a broader financial safety net if they want it. We take seriously the responsibility of being a locally owned broker in a region where affordability matters, and we continue to serve the Visalia community the same way we started: with straightforward advice, competitive options, and broker fees that respect your budget.