Severe storm season opens June 1 — review your deductible
Mon–Fri 7:30 AM – 6:30 PM ET Licensed in PA · NJ · OH · DE · MD
YB
Your Business Independent Agency · Est. 1987
(555) 555-0100
Independent · 38 Years Local · 22 Carriers

Coverage that actually shows up when life doesn't.

We're an independent broker — not captive to one carrier. We compare 22 top-rated insurers in under three minutes and stand beside you every claim from first call to final check.

$2,140Avg. Annual Savings
22A-Rated Carriers
4.9/5Google · 1,140 reviews
Compare 22 Quotes → File a Claim
Our Carrier Roster

22 A-rated carriers. One independent broker.

We negotiate with all of them on your behalf. You see every quote side-by-side and pick the coverage that fits your life — not theirs.

ProgressiveA+ AM Best
TravelersA++
NationwideA+
AllstateA+
Liberty MutualA
ErieA+
The HartfordA+
ChubbA++
SafecoA
MetLifeA+
MercuryA
KemperA-
Plymouth RockA-
ForemostA
National GeneralA
American FamilyA
ZurichA+
CincinnatiA+
EncompassA+
SelectiveA
BerkshireA++
Auto-OwnersA++
GrangeA
WestfieldA

Coverage that matches
how you actually live.

Six product lines. One conversation. Bundle two or more lines and the average household saves 17% before discounts even kick in.

01

Auto

from $42 / mo

  • 22 carrier comparison
  • Same-day SR-22 filing
  • Roadside + rental car
  • Teen-driver discount
Compare auto →
02

Home + Auto Bundle

save 17% avg

  • Replacement-cost coverage
  • Storm + flood add-on
  • Multi-policy discount
  • Loss-of-use rental
Compare home →
03

Life + Term

from $14 / mo

  • 10/20/30-year term
  • Whole life cash-value
  • No-medical-exam options
  • Beneficiary-trust setup
Compare life →
04

Commercial

custom quote

  • General liability + BOP
  • Workers' comp filing
  • Cyber liability rider
  • Commercial fleet auto
Build a policy →
The Independent Difference

We work for you,
not the carrier.

Captive agents sell one company's product. We sell whichever carrier wins your renewal — even if that means switching you again next year. That's the whole job.

  • 01

    Five-state license footprint

    Licensed in Pennsylvania, New Jersey, Ohio, Delaware, and Maryland — useful for snowbirds, college kids, and small fleets that cross state lines.

  • 02

    Same-day claims advocacy

    If your claim stalls, we call the carrier directly. We have direct desk lines at all 22 partners — not the 1-800 you'd be on hold with otherwise.

  • 03

    Renewal review every 12 months

    Markets shift; rates shift faster. Each renewal we re-shop your policy against all 22 carriers. If a better fit exists, we move you over.

  • 04

    Plain-English policy reviews

    Every new policy comes with a 20-minute walk-through. You'll know your deductible, your exclusions, and what to do at 2 AM after a fender-bender.

Meet your broker.

"My job isn't to sell you a policy — it's to make sure that when something terrible happens, you have one less thing to worry about. I've been doing this for 22 years, and I still answer the phone myself."

Margaret Hollings, CIC Founder · Principal Broker
CIC Certified CPCU Accredited Licensed PA · NJ · OH · DE · MD 22 Years Industry

Real policyholders.
Real claims paid.

1,140 Google reviews · 4.9 average · 11 of the last 12 J.D. Power scores in our region.

★★★★★
Auto Claim · Lancaster, PA · March 2026
"Tree fell on our 2019 RAV4 during the windstorm. Margaret had a check and a rental car arranged before sunset. We've had three claims in five years and never once felt like we had to fight."
Andrea P.Customer since 2019
★★★★★
Home Bundle · Reading, PA · January 2026
"Switched from a captive carrier and saved $1,840 a year on the same coverage. The team explained every line item — turns out we'd been paying for two redundant riders for a decade."
Marcus T.Customer since 2024
★★★★★
Commercial BOP · York, PA · February 2026
"Our HVAC company carries seven trucks, four employees, and a workshop. Your Business found us a BOP that bundled all of it for less than the auto policy alone used to cost."
Devon K.Customer since 2022
Free · 5 minutes · No phone call

The 28-point
Household Risk
Self-Audit.

A short questionnaire that scores your household across auto, home, liability, and life-insurance gaps. We email you a written report in 24 hours with the three highest-risk items and a recommended fix for each. No sales call unless you ask for one.

4 minsto complete
28 ptsscored
$0cost · no obligation

Start your audit

We'll email you a custom 4-page PDF within one business day. We will not call unless you reply.