About Us

As independent agents, we represent many companies to ensure you have quality coverage at an affordable price.

  • Dale Manning

    Dale has been in the Insurance Business over 40 years, previously working with a major Auto Club. Dale was a repeat member of the Agents Advisory Board and awarded Circle of Excellence 20 different times. Dale is now the President of Twin Rivers Insurance Agency Inc. and currently sits on the Board of Directors of the EBIIAA, “East Bay Independent Insurance Agents Association”. Born and raised in East Contra Costa County, he graduated from Pacifica High School in West Pittsburg and attended Diablo Valley College. While attending High School Dale met his wife Becky. The two have been married over 45 years and have two children, Rachelle and Tony Manning and two grandchildren, Avery and Brody Manning. Dale and Becky spend lots of time with the family at their North Lake Tahoe Cabin and love Boating in the summer.

  • Doug Rader

    Doug is a lifelong boater & water skier. He still spends many summer evenings slalom skiing on the Delta behind his Ski Nautique. He has been a commercial and personal marine insurance specialist for over 30 and has worked for and with the top marine insurance agencies and brokerages in California. He was co-founder and co-owner of Tony Rader & Son Insurance Service in the mid 1980’s.

    Doug enjoys close business relationships with the leading marine insurers in all parts of the country. Quality and value are his main business principles, and personalized, responsive service is his key to success. He is strongly committed to his clients and works closely with them to identify and address solutions to their coverage needs.

    He is currently or has been a member of many marine industry and insurance industry trade associations including The Association of Marine Underwriters of San Francisco, Marina and Recreation Association, California Association of Harbormasters & Port Captains, Northern California Marine Association and the Delta Chambers of Commerce.


  • Gary Clausen

    Gary has been in the marine industry since 1972. He was born and raised in California. Gary has spent the major portion of his life working in and around the boating industry. This includes 22 years in the marine insurance business. He is Past President of the Northern California Marine Association.

  • Shannon Hoye

    Licensed Agent