Women-Owned
Insurance Agency
Women-owned and community-driven — protecting Oregon families and businesses with integrity and care since 1937.
Meet Monica Elsom
The Gerald Ross Agency has been built by licensed individuals that live and work locally. Our team has been finding solutions in ten states for businesses and individuals for over 89 years. We are proud to be a diverse group of insurance professionals that can help protect most any line of insurance you need.
With over one hundred carriers, Gerald Ross Agency can tailor coverage to your specific needs. We give options to suit our client's comfort level. Whether you prefer to come in and sit down in our offices, call, or use our automated options, we strive to make business easy with us.
George Elsom came from an insurance background with one of the big captive carriers, while Monica Elsom had a career in clothing manufacturing. Both settled in Oregon Coast with their two kids, Kaylee and Austin. After being recruited by a local insurance agency to run operations, they purchased Gerald Ross Agency in 2008 to run and grow for themselves. In 2013, they purchased another local independent agency from a family they had a relationship with.
Both were local independent agencies that wanted the next generation to take care of their staff and clients like they would. Gerald Ross Agency's mission is to have coverage that competes with the "big guys" while taking care of our customers personally.
Unfortunately, George passed away in 2015, and Monica has been running Gerald Ross Agency successfully since. The agency has moved forward, improving and building individuals that want to grow and improve themselves.
We love people and helping them protect the things that they have worked so hard for. Our team works together and supports each other in this mission.
– Monica
Certified Women-Owned Business — independently owned and operated by Monica Elsom since 2015.
Monica Elsom
Owner & Principal Agent
"Protecting what matters most — that's not just a tagline. It's why we come to work every day."
"Protecting what matters most — that's not just a tagline. It's why we come to work every day."
Gerald Ross Agency — Women-Owned, Oregon-Rooted, Since 1937
Why Work With a Women-Owned Agency
Women-owned businesses bring a culture of empathy, accountability, and relationship-focused service. These values influence every client interaction at Gerald Ross Agency.
Empathy
We listen first. Understanding your situation is the foundation of every coverage recommendation we make.
Integrity
Honest guidance and transparent recommendations — always in your best interest, never driven by commission.
Community
Deep roots in Oregon Coast. We are invested in the communities we serve and the people who live here.
Excellence
High standards in every policy review, renewal, and client interaction — because you deserve nothing less.
Advocacy
We go to bat for our clients. At claim time, you have a licensed professional in your corner.
Relationships
Long-term partnerships built on trust. Many of our clients have been with us for decades.
Insurance Solutions for Families, Women & Businesses
As an independent agency, we work with 50+ carriers to find competitive coverage options tailored to your needs — from personal protection to complex commercial risks.
Whether you are a first-time homeowner, a growing business, a coastal property owner, or a nonprofit organization, Gerald Ross Agency works closely with you to understand your situation and build an insurance plan that fits your needs and budget.
A Continuing Commitment to Oregon Communities
For nearly 89 years, Gerald Ross Agency has served the families, coastal properties, and businesses of Oregon Coast. Women-owned leadership has always been part of our story — bringing a people-first approach to every client relationship.
We believe that protecting your home, your business, and your family is one of the most important decisions you will make. Our job is to make that process clear, honest, and tailored to your life.
We are proud to be women-owned, Oregon-rooted, and deeply committed to the communities we call home.
Serving Oregon Coast & Beyond
Also licensed in Arizona, California, Colorado, Idaho, Nevada, South Dakota, Texas, Utah, and Washington.
Frequently Asked Questions
What does it mean that Gerald Ross Agency is women-owned?+
Gerald Ross Agency is independently owned and operated by Monica Elsom, who has led the agency since 2015. Being women-owned reflects our commitment to empathy, integrity, and community-first service in every client relationship.
Does being women-owned affect the quality or types of coverage offered?+
Not at all — it enhances it. Our women-owned leadership brings a culture of listening, advocacy, and personalized service. We work with 50+ carriers to find the best coverage for every client, regardless of their needs.
Does Gerald Ross Agency offer insurance specifically for women-owned businesses?+
Yes. We specialize in business insurance for women-owned and minority-owned businesses, including general liability, commercial property, professional liability, and business owner policies (BOP) tailored to your industry.
What types of insurance does Gerald Ross Agency provide?+
We offer a full range of personal and commercial insurance: home, auto, life, boat, marine, wildfire, commercial property, general liability, workers' compensation, nonprofit, surety bonds, and more — across 10 states.
Where is Gerald Ross Agency located and what areas do you serve?+
Our main office is at 1 Ross Rd, Brookings, OR 97415. We serve all of Oregon Coast and are licensed in Oregon, Washington, Idaho, Utah, Nevada, Colorado, California, Arizona, Texas, and South Dakota.
Why choose a women-owned insurance agency?+
Women-owned agencies like Gerald Ross Agency bring a people-first culture to insurance. We prioritize listening, clear communication, and long-term relationships — not just policy sales. Our clients consistently tell us they feel genuinely cared for.
