What's an Independent Insurance Agency?
There are two kinds of insurance agents - those who work for one insurance company and independent agents.
Agents who work for one company are not able to offer you information about alternative policies or companies.
Independent insurance agencies offer policies from more than one agency. Because of their access to multiple carriers, these agencies are able to provide comprehensive comparisons of the policies you are interested in, helping you find the best policy and best deal.
Stonebraker McQuary is an independent agency. We represent some of the best companies in the country which include: Safeco American States Allied Unigard Unitrin CNA CGU/North Pacific Hartford Fireman's Fund Royal & Sunalliance Progressive Ohio Casualty Fremont Indemnity Orion Auto EMC/Employer's Mutual United Fire. Let us help you understand the complicated world of insurance and make sure you have the right coverages at the right price. Our team of professionals is ready to serve you today and tomorrow.
A homeowners policy usually provides coverage for detached structures, such as a garage or shop building, equal to 10% percent of the value of the home. But if that detached building is used for business in any way, there is no coverage; even incidental use like storing business equipment or inventory. Business use is some activity where you make money or make a trade in value for your service, even if there are no customers visiting the premises. The same exclusion applies to a detached structure which is rented for residential purposes, like a guest house or apartment. That small business requires special insurance to cover the building, equipment, inventory and liability exposures. So if you are painting cars, building birdhouses, a contractor, or have an apartment, office studio, school, day care, etc. You need special insurance. Give us a call to get a quote today.