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Products & Services

Phil Richard & Associates combines its signature customer service with a comprehensive array of insurance products.

Products

  • Auto Insurance with multiple carriers [ see our carriers ]
  • "Pay as You Go" Workers Compensation Plan
  • Homeowners Insurance with multiple carriers offering account credits
  • Personal Umbrella Policies to protect assets against catastrophic liability claims
  • Coverage for all size boats, yachts, and personal watercraft
  • Coverage for all types of Recreational Vehicles, i.e. ATV's, snowmobiles, etc
  • Business Insurance
  • Commercial Umbrella Policies to protect companies against catastrophic liablility claims
  • Life, including "Return of Premium" Term Insurance
  • Health
  • Disability
  • Long Term Care
  • Annuities
  • Bonds-Fidelity, Surety, Contract, Performance
  • Multiple discounts for bundling of both personal and commercial accounts
  • Classic/Antique Car, Truck, Motorcycle Insurance [ see our carriers ]
Services