Insurance Agency in Scranton, PAContractor coverage online.
Personal insurance in person.

Where we work

An agency on Green Ridge Street, not a call centre.

The office is at 433 Green Ridge Street in Scranton, and most of the people we insure live within twenty minutes of it. Dunmore, Clarks Summit, Dickson City, Moosic, Olyphant and the rest of Lackawanna County, plus Luzerne and the surrounding counties.

That matters more than it sounds. Knowing which streets take water when the Lackawanna comes up, which blocks are still on original slate roofs, and which roads the deer cross in November is not something you can look up. It comes from being here. We are also licensed in Michigan, New York, New Jersey, Ohio, Maryland and Virginia, so a policy does not have to end when someone moves.

Being independent means we place coverage through ten carriers rather than one. When a carrier changes what it will write, or gets expensive in a particular zip code, you keep the same agent while what sits behind the policy changes.

For contractors

The paperwork a job actually stops for.

Most contractor calls we get are not about coverage in the abstract. They are about a general contractor holding up a start date, or a city licence application that will not move without a certificate attached.

• General liability insuranceis the one every contract and licence asks for, and the one that has to carry the right additional insured wording before a certificate will be accepted.
• Workers' compensationis required in Pennsylvania once you have employees, and it is where December audit bills come from when payroll grew and nobody reported it.
• Bondsare a separate thing from insurance, and public work will not let you bid without them. A first bond program takes weeks, so late winter is when to start.

If you are applying for a Scranton contractor licence, the city publishes what it wants on the certificate.We have written it out here, with the limits and the workers' compensation affidavit option for anyone working on their own.