The Saperstein Agency Inc. offers a broad range of insurance and financial services.  We are an Independent Insurance Agency which means that we do not work for any company. We work for you - our customer. We represent many of the worlds largest well known and most financially secure insurance companies.

Business and Commercial Insurance Protection

Our business and commercial insurance products provide the most comprehensive coverage's that are available. Our programs are specifically designed for your business - leaving out the unnecessary coverage's but specifically including all of the most important insurance coverage's that are needed to protect your business properly. This professional individualized approach results in a low cost high valued insurance package for your business.

Along with the right insurance coverage's at the most competitive price -  policy and claims service is a priority. We understand that you cannot be too involved in handling claims. That's why we represent you to the insurance company when handling a claim. We work to resolve your claim in an expedient and fair manner. Policy service is also a serious concern of all of our service representatives. Your dedicated account representative will assure you of excellent policy service whenever it is needed.

Our professional and experienced review of your business insurance policies may help you to avoid a serious gap in your insurance coverage's. One that could cause financial disaster in the event of an unexpected claim. After our free review we will present to you a written proposal illustrating any coverage deficiencies that you may have as well as indicating a premium savings if one is available.  

Personal Insurance Products

The Saperstein Agency Inc. represents many Personal Lines insurance companies. Whether you live near or on the water, in a high valued home, or have several claims in the past few years we can place your homeowners insurance with an excellent company that will still provide you with competitive rates. Vacant properties, foreclosures or even estate properties can also be underwritten and insured properly with many of our standard companies.

Poor driving records, high performance cars, years licensed, credit history and even the driving records of other members of your home may prevent you from obtaining automobile insurance at low rates. Let our Personal Lines Department compare your current policy with several other company rates and coverage's. You may be surprised.

In addition, if you qualify we can provide you with a package policy which covers your cars, home, jewelry, umbrella and boat. These packages usually provide many discounts and a high level of coverage's.

 

Life Insurance  

Whether you need Term Insurance, Whole Life or  Universal Life Insurance we can compare rates from almost every company to get you the most affordable rates available. Regardless of your age or health, we can provide you with an acceptable solution to your life insurance needs. Preferred rating is available to those who qualify. Even if your health is not perfect, we can provide coverage's for you at very competitive prices. Our special "non-standard" program can help you obtain the life insurance that you need to protect your family properly. 

Disability insurance is perhaps the most important coverage that you can obtain while you are still working. Help protect yourself and your family against the loss of your income in the event that you become disabled.  

Group Insurance

Our agency can help your business design an affordable and comprehensive group health, life, dental and disability plan. These plans are an excellent way for you to provide your employees with a sense of security and loyalty to your company. With the ever changing plan designs and increasing rates, now is the right time for you to review this major insurance cost.