Insurance needs can look very different from one person or business to another. A homeowner may be focused on protecting a house and vehicles, while a business owner may need coverage for property, liability, commercial vehicles, employees, or professional risks. At A Plus Insurance Agency, we help both personal and commercial clients find coverage options that address their individual circumstances.

We are a full-service insurance agency with 18 years in business. Over the years, our services have grown to cover a broad range of personal and commercial insurance needs, including auto, home, flood, business, professional liability, commercial auto, and bonds.

Our focus is straightforward: provide clients with a convenient place to explore the insurance products relevant to the things they own, the businesses they operate, and the responsibilities they manage.

18 Years of Insurance Experience

Experience matters when you are making decisions about insurance. Different properties, vehicles, professions, and businesses bring different questions, and those needs may change over time.

A Plus Insurance Agency brings 18 years of experience serving insurance clients. Our longevity has allowed us to work with people seeking everyday personal coverage as well as business owners looking for more specialized commercial insurance products.

We recognize that insurance is not simply about selecting a policy name. It begins with identifying what needs protection and understanding which type of insurance is designed for that situation. That practical approach guides how we work with both new and existing clients.

Serving Personal Insurance Clients

Personal insurance helps address risks connected to your property, transportation, and recreational assets. We provide a wide selection of coverage options so clients can come to us at different stages of ownership and life.

Our services include homeowners insurance for residential property and auto insurance for personal vehicles. We also provide flood insurance and excess flood insurance for clients seeking protection related to flooding.

Property needs can extend beyond a primary residence. Our available options include earthquake insurance, rental property insurance, vacant property insurance, builders risk insurance, and renovation insurance.

For clients with recreational vehicles and equipment, we offer motorcycle, boat, yacht, jet ski, RV and travel trailer, ATV, and golf cart insurance. This range allows our agency to serve clients with different types of property and vehicle insurance needs.

Supporting Businesses With Commercial Coverage

Commercial insurance involves risks that are closely connected to how a business operates. A company may own property, interact with customers, employ workers, provide professional services, or rely on vehicles to complete daily work. We serve commercial clients with insurance options that address many of these situations.

Our business coverage includes commercial property owners insurance, restaurant insurance, hotel insurance, mini storage insurance, convenience store insurance, Business Owner Policies (BOP), and commercial flood insurance. We also provide general liability insurance options for several contractor trades, including electricians, plumbers, roofers, masonry contractors, concrete contractors, and framers.

Rather than treating every commercial operation as identical, our range of services allows clients to explore insurance that relates to the type of business they run.

Coverage for Professional and Operational Risks

Not every business exposure involves a building or piece of equipment. Professional services, employment matters, leadership decisions, and technology can create additional insurance considerations. A Plus Insurance Agency offers several forms of professional liability coverage, including Employment Practices Liability Insurance (EPLI), Errors & Omissions Insurance (E&O), Cyber Insurance, and Directors & Officers Insurance (D&O).

Businesses that use vehicles can also explore commercial auto coverage for service trucks, dump trucks, fleets, and food trucks. Workers' compensation insurance is available for businesses addressing workplace and employee-related insurance needs. We also offer performance bonds, lottery bonds, and alcohol bonds for clients with specific bond requirements.

Together, these options broaden the ways we can support commercial clients beyond traditional property insurance.

A Full-Service Approach to Insurance

Being a full-service insurance agency means our work is not limited to a single type of client or coverage. Someone may initially contact us about homeowners insurance and later need coverage for another vehicle or property. A business owner may begin with general liability and later have questions about commercial auto, professional liability, or workers' compensation. Our broad service selection gives clients a central place to discuss those changing needs.

We also understand that the details matter. A restaurant does not have the same insurance concerns as a roofing contractor. A rental property presents different considerations from an owner-occupied home. A food truck combines business and commercial vehicle considerations that differ from those of many traditional businesses.

That is why our service offerings are organized around specific personal assets, business types, professions, and commercial activities.