About Us
Help people to identify their risk exposures and help them to avoid, transfer, and/or minimize risk through the use of insurance and other techniques. Ongoing support and monitoring is key!
How We Got Started
Began in 1983 working in a family business and later acquired it. Sold that agency in 2012. Contract ended in December 2016 and focused efforts on Life Accident and Health business (not sold in 2012). Later expanded this to Property & Casualty Insurance for those who approached us. Effective 1/01/2022 we are again seeking new clients for almost all forms of insurance. Give us a call!
The products and services we offer
Recommendations Received (11)
"I'd recommend Richard (Skip) as your go to insurance agent. Skip is helpful, resourceful and..."
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"I'd recommend Richard (Skip) as your go to insurance agent. Skip is helpful, resourceful and will work hard to help you in your insurance needs. He will be your go to insurance agent. Trust me. "
"Skip has always been professional, reliable and thorough. His advice can be very helpful."
Products & Services
Home insurance for all sized homes as well as condominiums and apartments tailored to your individual needs. Experienced with high valued and coas...
Coverage for building and artifact portfolios comprising unique and specialized coverage design for an unparalleled insurance response to your claims.
Life insurance is a generic term suitable for a variety of very different products, all with one common feature. These products have evolved to do...
Recommendations Given (24)
"Jim is a very talented craftsman in his field. He does great work!"
"Ryan is a talented craftsman!"
Recent Activity
There are many types of policies lending different coverage's and costs. It's important to focus first on the quality of coverage and second on the means to control the cost of that coverage. Be prepared to honestly provide the square footage area of the space you occupy, your gross annual...
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There are many types of policies lending different coverage's and costs. It's important to focus first on the quality of coverage and second on the means to control the cost of that coverage. Be prepared to honestly provide the square footage area of the space you occupy, your gross annual sales, your annual payrolls and the value of your business property, among other things. These are all factors used to calculate a premium for the various coverage's you may need. For property coverage's, higher deductibles (the amount deducted from a claim payment) is one way to drive down costs. Alarms and measures to control losses such as fire sprinklers, low temperature monitors, cameras, automatic water shutoff devices are examples of methods to drive down property insurance costs. Camera's can also drive down crime losses and even help to defend you in a liability claim such as a slip and fall case. One word of caution on camera's: Be sure to keep records for as long as reasonably possible since liability claims are often presented just before the statute of limitations expires. Memories can be foggy making these claims harder to defend. It also means that the video record has been overwritten since your software only retains the video for up to 30 days when you really needed it for two years. You are welcome to contact me to help design a plan that's best for your circumstances.
It has been on a pace of about 100% growth annually and is so far again this year. A good economy with new construction, growing businesses and more hiring means added insurance purchasing. This, coupled with new agency clients, and a lack of attention from incumbent agencies is all fueling our...
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It has been on a pace of about 100% growth annually and is so far again this year. A good economy with new construction, growing businesses and more hiring means added insurance purchasing. This, coupled with new agency clients, and a lack of attention from incumbent agencies is all fueling our growth.
It's possible that statutes differ, but in 35 years of insurance experience here is how I've seen it. When negligence is not involved and the tree falls due to an "act of God" such as wind or disease (let's say previously undetected or unacknowledged), the owner of the property where the tree...
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It's possible that statutes differ, but in 35 years of insurance experience here is how I've seen it. When negligence is not involved and the tree falls due to an "act of God" such as wind or disease (let's say previously undetected or unacknowledged), the owner of the property where the tree lands is footing the bill. My tree blows over in a hurricane onto my neighbors fence and lawn - they're paying for it. If I negligently cut it with a chain saw then that's a different story. As to whether insurance is paying for the loss in the wind scenario, one needs to consider whether there was damaged property or not. In many cases landing on the lawn will cap out how much might be paid ($1,000 is common), if any, under a homeowners policy. Also, was the damage in excess of the deductible applicable to wind? The unlucky homeowner sustaining the damage would typically see their policy pay for the damage to their fence (less depreciation in most cases) minus the deductible.
Don, from the beginning your effort needs to focus on the quality of your products and the value-added you offer as their agent. If the exercise is predominantly focused on price, you’ll lose on price very quickly. A breadth of ancillary and complementary products along with knowledge of the...
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Don, from the beginning your effort needs to focus on the quality of your products and the value-added you offer as their agent. If the exercise is predominantly focused on price, you’ll lose on price very quickly. A breadth of ancillary and complementary products along with knowledge of the landscape underpinning the products you market can only help. I wish you well!
In MA we had our own solution of an affordable care act before the US and it’s affectionately known as Romneycare. Since I do not place individual med. plans I can’t help you on the participation rates, but my understanding is that the federal plan was largely modeled after the MA plan...
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In MA we had our own solution of an affordable care act before the US and it’s affectionately known as Romneycare. Since I do not place individual med. plans I can’t help you on the participation rates, but my understanding is that the federal plan was largely modeled after the MA plan...
