Why O’Connor Insurance

For businesses, particular attention is paid to analyzing your exposures. A risk profile is created through use of a questionnaire used to uncover your exposures to loss.  We will evaluate your current insurance program and risk management program to determine its strengths and weaknesses.  From this information we prepare a professional submission for those carriers we believe will offer you the best insurance program at the most competitive cost.  You will be presented with a formal proposal that will outline the various options available to you. We will help you establish a safety program if you do not have one.

We will provide you with a written service plan, which is our commitment to you of the services you can expect from us during the policy year and from your insurance carrier. You can expect expert, timely and meaningful loss control and claim services. You can expect us to meet with you regularly to review loss runs and to assist you in conducting safety meetings. Our goal is helping you control your insurance cost for the long term.

For You and your Family, an analysis is conducted of your needs and options discussed. Insurance quotes are then obtained for your review.  Various options are discussed including the effect of deductibles, tort selections, coverage, and limits on cost. Part of this discussion is spent on getting you the maximum credits available on homeowners and automobile insurance.

 In most cases, a calculation of the replacement cost of your home is conducted to assure you are carrying the right amount of replacement cost value. 

Our experience indicates that most insureds have not talked to their agents in several years and in one recent case, 20 years!  In an actual case, the homeowner was carrying $350,000 on their home. They had added an addition AND had their kitchen custom renovated. The actual replacement cost today -$750,000. Can you imagine if the house had burned down, the insured would have collected only $350,000 for their $750,000 home!

Each year you are asked to complete a questionnaire with the goal of staying ahead of your changing life circumstances.  If you want an agency that helps you manage your insurance with you – O’Connor Insurance is for you!

For all clients, if you do not reach us when you call, we will call you back immediately. Certificates of insurance will usually go out the same day requested. Endorsement requests are processed the same day. All policies are reviewed for accuracy before they are sent to you. We will follow up on claims with you.