Mill Valley is known for its walkable pockets, tourism traffic, and busy day-to-night activity. That mix can create predictable “risk windows” for property-crime-related incidents—parking lots at peak arrival times, crowded commercial corridors, and multi-use areas where people move quickly through shared spaces.
In these cases, insurers often argue the incident was random or unforeseeable. Our job is to focus on what a reasonable property operator should have done given the conditions they knew (or should have known), and what evidence shows the security response fell short.


