Hello. My name is Steve Valencia. I founded Athena Insurance and Financial Services in 1996 in the State of California. I am a L.U.T.C. graduate. (Life Underwriters Training Council Graduate 1983)

I complete mandatory education training periodically for such things as Annuity, Life Insurance, Ethics, Anti-Money Laundering, Commercial Auto, General Liability, Workers Compensation and more. 

My licensure and continuing education can be verified here at the California Department of Insurance. https://insurance.ca.gov.  

Look up by name: Steve Valencia, by agency dba: Athena Insurance and Financial Services or Broker license number #0588228. (We highly recommend you do the same with any entity, AI or otherwise as one can be fooled by AI ran ads) Know your insurance broker. 

Prior to founding Athena Insurance I was developing land in Calaveras County. And, prior to that I was a life insurance agent for the Prudential Insurance Company of America. 

Business Administration and Administration of Justice were my choice of studies while in college. 

These days I manage the “day-to-day” operations of the agency and my responsibilites include management of marketing, insurance consulting, customer service and more. 

Our primary insurance markets of preference are as follows:

  1. Timber, Logging & Forestry
  2. General liability
  3. Excess Liability
  4. Loggers broad form
  5. Professional Liability
  6. Workers Compensation
  7. Commercial Auto
  8. Inland Marine
  9. Property & Locations
  10. Pollution Liability
  11. Directors & Officers E&O
  12. Cyber Liability
  13. Life – Individual, Keyperson, Buy/Sell & Executive
  14. Wildfire Firefighters
  15. Agricultural Commercial and Farm & Ranch
  16. Farm General Liability
  17. Farm Pollution
  18. Workers Compensation
  19. Agri-entertainment
  20. U-pick
  21. Eqine personal and commercial a
  22. Agri-Entertainment
  23. Commercial Auto
  24. Property
  25. Farm Packages
  26. Estate Life Insurance
  27. High Value Homeowers
  28. Coastal Properties
  29. Multi-locations
  30. Investor Packages
  31. Homeowners
  32. Non-wildfire zones
  33. Wildfire zones
  34. Fair Plan broker
  35. Construction
  36. General Liability
  37. Professional liability
  38. General Contractors
  39. Engineering Contractors
  40. Specialty Trade Contractors
  41. Workes Compensaton
  42. Pollution Liability
  43. Life Insurance
  44. Cyber Liability
  45. Directors & Officers E&O
  46. Wineries
  47. Winey Packages
  48. Micro-mead manufacturers
  49. Event Venues
  50. Workers Compensation
  51. Commercial Auto
  52. EPLI
  53. Commrecial Auto
  54. Excess Liability
  55. Directors E&O
  56. Cyber liability
  57. Excess Liability
  58. Life Insurance


Our Secondary insurance services include”

  1. Recreational Vehicles
  2. Marinas
  3. Auto Insurance
  4. Rental Properties



Steve Valencia