executive sales representative

Denise Hardman, Insurance Agent | Liberty Mutual

Denise Hardman CLU, LUTCF

  • Auto
  • Home
  • Life

Licensed in Auto, Home and Life in CA

CA Lic# 0753113

Carlsbad, CA - Office

1900 Wright Place, Suite 120
Carlsbad, CA 92008

Office Hours

Monday-Friday 8:30-5*, Saturday (By Appt.), *(Evenings by Appt.)

About This Insurance Agent
I have lived in Encinitas, California for the past 23 years. I am a graduate of the University of Michigan (Go Blue!). Both my children graduated from the University of Redlands (Go Bulldogs!). I have served on numerous Board of Directors in our community including the Encinitas Chamber of Commerce, the Encinitas Educational Foundation, Park Dale Lane PTA, Flora Vista PTA, Southern California Tech Teachers, and the Referral Exchange of San Diego. I have earned the distinction of becoming a member of Liberty Mutual's top sales clubs numerous times, Liberty Leaders and Liberty Life Leaders.

Please contact me today to learn more about our complete coverage plans designed to protect you, your home, and your automobile.

Awards & Honors

Circle of Winners

The Circle of Winners award is presented annually to top producing sales representatives for the sales of Life Insurance.

Liberty Leaders

The Liberty Leaders Club recognizes and honors the top 12% of outstanding performance in the sale of Personal Lines policies.

Liberty Life Leaders

The Liberty Life Leaders Club recognizes and honors outstanding performance of the 12% of the salesforce in the sale of Personal Life Insurance and Annuities.


The Pacesetter programs recognizes Sales Representatives, in their first 4 years on the job, who perform over-and-above the expectations of the sale of Personal Insurance policies.

Pursuit of Excellence

The Pursuit of Excellence program rewards Sales Representatives in their first 2 years on the job, who excel at Personal insurance new business production.

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