Whether tomorrow is your first day  or you're finishing your 50th year in business, we work with clients just like you. We  pride ourselves on our continuing education and broad knowledge of the commercial markets. We work closely with our underwriters to answer your questions and  find the right coverages for you. Commercial or Business Insurance can be tricky  and not every agent is willing to study the products. We do.  From a small start up retail store to multi-million dollar HVAC and Auto repair,  we write it all.  Our business insurance clients really benefit from using an independent agency like 1st Hometown Insurance. Each company we work with has different underwriting guidelines, therefore they each have a different appetite for the type of companies they want to protect. Captive agents don't usually have the freedom or relationships we have with these companies.

COVERAGES

BOP,GENERAL LIABILITY, PROPERTY, CARGO, INLAND MARINE, FARM AND RANCH, AGRICULTURE, EQUINE, INVENTORY, EQUIPMENT COVERAGE, EPLI, EPBI, AUTO LIABILITY, COMMERCIAL LIABILITY, THEFT, BUILDING ORDINANCE, FLOOD, WINDSTORM, TWIA, FOUNDATION, WATER SEEPAGE, WATER BACKUP, SEWER BACKUP, TENANT LIABILITY, LANDLORD LIABILITY, SIGN COVERAGE, WINDOW DOOR AND GLASS, WORKERS COMP., SIC CODES, GEOGRAPHIC LIMITS, COINSURANCE PENALTY, LLC, SOLE PROPRIETOR,  AND MANY MORE.

ALL THESE WORDS AND PHRASES REPRESENT QUESTIONS ON STANDARD QUOTE FORMS  FOR BUSINESS INSURANCE POLICIES. JUST BECAUSE YOUR AGENT DOESN'T KNOW  WHAT IT IS, DOESN'T MEAN YOU DON'T NEED IT.  CALL US TODAY FOR AN INFORMED QUOTE. WE MAY NOT BE THE CHEAPEST EVERY TIME, BUT YOU MAY NOT WANT US TO BE!!