Home, Life, Auto, Business, or Life Insurance
We take the time to talk with you in depth, so you understand what your policy does and does not cover. Get a perfect fit insurance policy, every time.
Auto Insurance
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Business Insurance
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Homeowners Insurance
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Life Insurance
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We’ll Get It Right the First Time
At Banas & Fickert Insurance Agency, we are committed to providing you with the best insurance options possible. Many companies will do what they can to get you off the phone as quickly as possible. The agents at Banas & Fickert Insurance Agency are different. We want to work with you to make sure you have every insurance need covered. We take the time to talk with you in depth, so you understand what your policy does and does not cover.
Our agents are highly trained and knowledgeable about a variety of insurance products. We can help you get the proper coverage in almost any situation. Whether you need personal insurance or business coverage, we are here to help. Look to us for superior coverage for your car, home, and business in addition to several insurance products you may need.
Every state has different requirements when it comes to insurance. Because we are located in Easthampton, Massachusetts, we know and understand local and state laws regarding insurance. This allows you to have peace of mind about your insurance.
Our Partners
We are proudly 23 year continuous members of the Massachusetts Association of Insurance Agents!
Clients
Our clients typically live in:
Auto Insurance
Car insurance is required in Massachusetts. No matter what type of vehicle you have, it is important to make sure that it is properly insured.
Home Insurance
We provide homeowners, condominium owners, renters, mobile home, and dwelling fire insurance. You never know what might happen. Keep your home and assets protected with proper insurance. By accessing our many carriers, we will find you the best possible coverage at the most affordable cost.
Life Insurance
We provide Term life insurance, Whole Life insurance, Universal Life Insurance, and Group Life Insurance. No matter what type of life insurance you need, we will help you get the right package.
Business Insurance
We provide all types of commercial insurance policies including Business Owners, General Liability, Commercial Umbrella, Workers’ Compensation, Builder’s Risk, Commercial Auto, and Professional Liability. We want to help you find policies that fit the needs of your business and help you make your business succeed.
Fiduciary Bonds/Probate Court Bonds
A fiduciary is someone appointed to handle the affairs of another who is unable to handle his or her own affairs. Some examples of fiduciary bonds are:
- Administrator
- Executor
- Guardian
- Conservator
- Trustee
- Receiver
Federal Bonds
Miscellaneous Bonds cover a wide array of not otherwise classified indemnity bonds. A few examples include: Financial Guarantees, Utility Deposit, Patient Funds – Nursing Homes, Wage & Welfare, and Workers’ Compensation.
Federal Bonds are required in relation to licenses or privileges regulated by the Federal Government. Some examples include: Medicare for DMEPOS Suppliers, Excise Tax, Brewers-Wine Makers-Distillers, Property Brokers, and Post Office Contract Stations.
Commercial Bonds
We offer the following types of bonds; Fiduciary Bonds, Probate Court Bonds, Contractor Bonds, Pension/401K Trust (ERISA) Bonds, and Janitorial Services Bonds. We get much satisfaction on helping someone obtain a bond other companies refuse or have the ability to get done. In some cases it can be quite an uphill battle to get some issued; however this is very rewarding work because a bond can mean the entire world to someone’s business, an estate’s administrator probate work, etc.. We are very persistent at working on our client’s behalf.
Public Official Bond
- Notary Public
- Treasurer and Subordinates
- Tax Collector and Subordinates
- Clerk
- Judge
- Mayor or Counsel Members
- Sheriff, Peace Officer, Deputy
- Constable, Marshal, Policemen
- Public Employee
- Public Administrator
Janitorial Services Bonds
- Bid, Performance, Payment and Supply
- Court
- Custom
- Lost Instrument
- License and Permit
- Miscellaneous
- Regulatory and Tax
- Utility
Contractor Bonds
- Bid, Performance, Payment and Supply
- Court
- Custom
- License and Permit
- Regulatory and Tax
- Utility
Customer Service
Do you need to add a new policy, update an existing one, or change companies? Our agents will spend the time to discuss with you exactly what you need. We will put together an insurance package that will cover your family or business. We want to make sure that you are comfortable with your insurance, so we will also take the time to answer your questions, explain your options, and make sure you understand your policy.
Having proper insurance and competitive premiums is important. Let us cover your assets in the event of an accident or emergency. No matter what type of insurance you are looking for, look to Banas & Fickert Insurance Agency for the best in insurance coverage. Call us today at 413-527-2700 for quotes or questions. Trust in us to help keep you safe and protected.
Our office is contacted frequently by people searching online for Insurance Agency Near Me. These are the most common questions our office receives. There are insurance policies that cover just about any reason a person can be sued. Understanding what type of insurance you need is key to ensuring you get the protection you want and do not end up underinsured if you are ever sued.
Here are some general insurance definitions that will give you a sense of what common insurance types cover.
MA Homeowner’s Insurance
This covers a private residence and is usually a combination of insurance policies that ensure if damage is done to a home, it is covered. Homeowner insurance can also cover loss of personal possessions and can provide liability coverage for accidents that happen in or on the property insured.
Professional Liability Insurance
This type of insurance is also called “professional indemnity insurance” and “errors & omissions” insurance. It protects a professional against negligence claims made by a customer. Professional liability insurance covers allegations of failure to perform services that are contracted or errors that are made in the delivery of a service or product. Usually, a menu of situations that are not covered are included in professional liability insurance.
Employer Liability Insurance
Employer liability insurance protects the insured party from liability claims against a product or service. It is also called “third-party insurance.” Specifically, it covers claims against the insured by workers who have suffered a job-related illness or injury that is not covered by workers’ compensation insurance.
General Liability Insurance
General liability covers claims against a business that a product or service caused bodily injury or property damage. This type of insurance is often bundled with other types of insurance that protect someone delivering a product or service.
Workers Compensation Insurance
Workers’ comp provides wage replacement when someone misses work because of an illness or injury sustained at work. As part of the coverage, the worker gives up their right to sue their employer for negligence but ensures the worker is covered financially for the duration of their illness or injury. Workers’ comp protects the employer from lawsuit awards that could potentially cause them to become insolvent.
Teen Auto Inssurance
Teen auto insurance covers what it sounds like it would cover: Accident damage or injury caused by a teen driver if that teen driver is found to be liable or partially liable for causing an accident. Usually, a teen driver is added to a parent’s insurance, but if for some reason a parent does not want that liability, the teen policy is issued, usually at a much higher premium than the insurance policy of a more experienced driver.
Malpractice Insurance (Attorney E&O Insurance)
This is a type of liability insurance for healthcare professionals and covers damage they may cause in the process of giving care. In order to win a malpractice suit, a patient must prove the healthcare provider was negligent or delivered care that was below “normal care” standards. Usually, someone carrying medical malpractice insurance will also be covered by their place of employment and any defense of a suit will be in coordination with that party.
Commercial Umbrella Insurance
Generally, commercial umbrella insurance covers liability against lawsuits for areas that are not covered in a standard liability insurance product. This also addresses coverage limits in other insurance policies and picks up the difference.
Accident & Liability Insurance
This is general insurance that provides risk protection for businesses against lawsuits and claims of negligence or non-adherence to standard work quality or performance.
These are the different types of insurance you need if you are an employer or employee, homeowner or teen driver. To get an assessment of what type of insurance you need, the smartest strategy is to talk to an insurance professional.
Banas & Fickert Insurance Agency
63 Main Street
Easthampton, MA 01027
