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Whether it's for a business or household, we're able to provide our clients with access to the nation's top insurance companies. Together, we'll compare a variety of competitive coverage plans and rates, and then move forward with the policy that fits your needs and your budget.



We’re passionate about smart thinking and inventive solutions. By sponsoring and participating  in industry events, we keep up with changing trends in order to best serve all our customers.


Most people don’t eat, breathe, and sleep insurance like we do. That’s why we embrace a friendly, helpful rapport with our clients. If you want especially attentive service, you’ve come to the right place.


Our customized protection plans meet your unique needs and your budget. Working with you one-on-one to build a better insurance portfolio isn’t just what we do... it’s something we really enjoy doing.


Josh has been working in the insurance industry for over 20 years. Originally from the East Coast, Mr. Ferenc has focused his energy into growing Centinel Agency in the San Francisco Bay Area for the last decade. He attributes his clients’ ongoing satisfaction to his intricate knowledge of all insurance lines and his personable approach. Having immense experience with small businesses, start-ups, rapidly growing companies, and contractors — Josh is the go-to expert on all types and levels of business insurance coverage.


Before starting his own venture, Mr. Ferenc played an integral part in growing one of the nation’s most prestigious insurance companies from 12 employees to over 500. Throughout his career, Josh has consulted agents and brokers across the country — gaining priceless insights into both the carrier and retail sides of brokerage.


Mr. Ferenc is currently an instructor for The National Alliance of Insurance Education and Research and an active member in several San Francisco-based community groups. When he’s not working, Josh is an avid cyclist and enjoys attending Bay Area sporting events and spending time with his family.

Founder and President 

Josh Ferenc CIC, CISC


David brings over 25 years of experience in the P&C insurance marketplace. Just prior to working at Centinel Agency, Mr. Costello was President of a regional insurance brokerage in the San Francisco Bay Area, focusing on program design and implementation of insurance products for niche markets.


Recognized as one of the top brokers on the West Coast by AIG — an industry leader focused on consolidating the personal insurance exposures of affluent & ultra-high net worth individuals globally — David also served on their Private Client Group's advisory council in New York.


Mr. Costello was also an exclusive Wholesale General Agent for a large commercial real estate group purchasing facility known as CIBA (Commercial Industrial Building Owners' Alliance). Their property and liability programs represent in excess of $40 Billion in exposure for apartment buildings & HOAs, office buildings, industrial complexes and warehouses nationwide.


David loves traveling with his children and has a passion for history and language. He is also an active supporter of numerous charities and causes within the San Francisco community.

Vice President

David Costello

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 Call us today! 1.877.525.9001