Mike Penner
Navigating personal insurance can be a daunting task, but it doesn't have to be. With my expertise in our markets and knowledge of specific coverages, I can tailor a policy to your specific needs.
Mike Penner

Personal Risk Advisor
Morris & Garritano

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You earned it. We'll protect it.

I have been working in the insurance field since 2014. I received my Business Administration degree from Columbia College in San Luis Obispo and currently hold my Personal Lines Broker/Agent license. While insurance can sometimes be a complex topic, I excel at explaining it to my clients in a way that makes sense to them. I am a yearly participant and team captain for the Miracle Miles for Kids; a run from the Morro Bay Rock to the Cayucos Pier, raising funds for local foster youth and at-risk families through Family Care Network. When I'm not in the office, you can find me spending time with my wife and young son, Kane. I also enjoy fishing, snowboarding or surfing. I have even traveled to Indonesia and Central America in search of the perfect wave.

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Personal Insurance Services

With a strong dedication to integrity and personal service, we strive to provide essential insurance offerings that meet our clients’ needs and exceed their expectations. Our knowledgeable team, along with our access to numerous insurance companies, allows for the greatest flexibility in designing a program that is right for you.

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  • “The service I have received from Morris & Garritano is top notch. I have found their staff to be honest, timely in their responses and very professional. I truly feel like they have my back!”

    Natasha, San Luis Obispo, CA

What "covered" should feel like.

Morris & Garritano believes clients deserve to feel confident knowing they're truly covered and cared for. Let our experienced advisors and educated advocates protect what matters most. For more than a century, our agency has prepared friends and neighbors for what’s ahead. Take the next step and contact us today. 

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