About Us

Whitecap Insurance Services would not exist if it were not for the combined coercion of John Hancock and Nationwide Insurance Companies, as MaryGrace and Bob were required to attend an insurance class in 1988 by their respective employers. Thirty years and three kids later, this partnership is the foundation of Whitecap Insurance.

The foundation of Whitecap has expanded as Alex (Bob & MG’s son) entered the family business in 2017. Alex grew up kiteboarding in the Smith family and now enjoys simply surfing. Bob has evolved with kitesurfing to kitesurfing on a foiling board, and MG rips around on all sorts of kiteboards. Bob, MG, and Alex still share Mountain Biking together. They all enjoy music and the outdoors at large. Photos illuminating the lifestyle are littered across the site.

Beyond similarities of lifestyle, Alex’s moral compass has always been guided by his parents. Ethical and transparent relationships were always taught and are embedded in the way we conduct business. MG, Bob, and Alex share a commitment to the satisfaction of our customers – our pleasure in doing business is met by the loyalty of our clients – a testament to our success.

Why We Are Here

Whitecap Insurance provides comprehensive commercial and personal insurance coverage while adhering to the core values of the owners, Bob Smith and MaryGrace Elizondo. We enjoy pursuing exceptional solutions to the insurance needs of our clients through constant communication with a wide variety of underwriters.
You can have confidence in our single-minded pursuit of optimal solutions to your insurance needs. We will also strive to find the appropriate balance between our need for underwriting information against our desire to minimize our intrusion into your busy day. One of the most significant contributions we will make to improve your purchase of insurance is our willingness to provide a relevant education. By understanding the coverage you need, as well as the coverage you can do without, you will make a superior, money saving, buying decision.