For a safe and smooth ride every time, you need the right vehicle insurance solutions. Learn more about coverage options – from car to watercraft coverage – with Banas & Fickert Insurance Agency. Are you ready to jump in the high speed lane towards proper protection?
To establish the best business, you must purchase the best coverage. Our agency has the commercial insurance solutions that will keep you, your employees, and your property safe and sound. Trust Banas & Fickert Insurance Agency to keep your business correctly covered.
Your home is a personal space in need of personalized coverage. Banas & Fickert Insurance Agency is committed to designing a “perfect fit” policy to each and every client. Allow our agency to provide you with a home insurance quote, today.
Ensuring your family’s financial security begins with a solid, comprehensive life insurance plan. When you choose to work with Banas & Fickert Insurance Agency, you choose to work with reliable agents who are committed to guiding you along the way.
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 clients typically live in:
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.