carterpier.com

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Email: info@carterpier.com

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        WE STRIVE TO

        earn your trust

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        Your Insurance Policy

        Coverage From Companies Made Just for You!

        Get the insurance coverage you need. Rely on Carter/Pier Insurance Services in Colchester, CT to assist you in finding the coverages to protect your valued assets. We are more than happy to personalize an insurance policy that will help you manage unforeseen risks. Let our agents guide you in choosing coverages for your particular requirements. To begin, ask about our 8-point DIAMOND review. Appointment suggested.

        Consult Our Insurance Agents

        Get a better understanding of the different insurance packages and policies available here at our agency. Consult our agents, and discuss your specific insurance requirements with our professionals. We are more than happy to provide the additional information you need about our. We hope to be of service to you soon! For product specifics, our underwriters are a call away.

        Types of Insurance We Offer

        Business Insurance


        Carter/Pier Insurance Services has marketplace access to property casualty products and specialty programs that meet a client’s needs in the standard/select or middle-market arena (i.e. healthcare, construction/contractor, automotive, industrial/manufacturer/job shop, retail/financial services, associations, private schools and colleges, etc.). We work with you in identifying, evaluating, controlling, and monitoring your risks, including:

        • Property/Fire/HPR Property/Cyber Security
        • CGL/General Liability Limits
        • Business Auto/Commercial Fleet, Truck Liability/Physical Damage Only
        • Workers Compensation, Multi-State (If Any)
        • Umbrella/Excess, Layered Limits

        Risk Management

        Our approach is to work with clients regarding the keeping, sharing, or transfer of risk using insurance products. Clients do their own cost-benefit analysis. If you are a national account/risk manager, please call us to discuss strategy.

        Insurance Placement

        Your insurance program will come from financially sound carriers A-rated by AM Best, the industry's financial watchdog.

        Our Clients

        We are committed to protecting the privacy of your information. Every day, we strive to earn your trust. Our success is because of you.

        Professional Insurance


        Carter/Pier Insurance Services will work with you. This coverage requires time to put together so as to identify specialty market(s) interested in you: an application, descriptive loss runs, and some clarifying questions will be prepared to give a picture of what you do and how you do it (proactive controls, procedures, continuing education, experience, peers, and standard practices). We recognize that, in some instances, to stay in business you need professional insurance.

        Partial List

        Some areas of Professional/Errors & Omissions/E&O coverage:

        • Beauticians: Barber Shops, Salons
        • Consultants: Human Resources, Engineering, Architects, Environmental/EIL
        • Employment Practices: EPL/EPLI
        • Financial: Banking, Accountants/CPAs, Planners/Advisors
        • Healthcare: Medical Providers, Group Practices, Care Givers, Medical Management
        • Malpractice: Doctors, Dentists, Hygienists, Nurse Practitioner, Group Practices
        • Legal: Attorney, Paralegal
        • Management Liability: D&O/Directors & Officers
        • Non-Profit Organizations: Social Services, School Board Legal Liability
        • Real Estate: Agents, Escrow
        • Technology: E&O

        Policy Considerations

        • Claims Made/Tail Coverage/Hammer Clause vs. Occurrence
        • Determining Whether Defense Costs Are Inside or Outside Policy Limits
        • Endorsements & Exclusions
        • Policy Forms

        Home/Auto Insurance


        Personal Lines Insurance

        Carter/Pier Insurance Services offers a variety of personal line products within a constantly changing marketplace. Because we are not "locked in" to a single insurance company, we can be nimble within the marketplace and work for you. Our programs are competitive either directly or through brokered/partner arrangements.

        Personal Vehicles

        • Standard and Non-Standard Autos
        • Vehicles < 10,000 lbs. GVW (Cars and Light Duty Trucks)
        • RV Motor Homes
        • Trailer Homes
        • Utility Trailers
        • Drive-Other-Car Coverage

        Homeowners

        • Single Family Dwelling/Homeowners
        • Second Properties
        • High-Valued Homes
        • Multi-Family Up to 4 Units
        • Renters Insurance/Apartment Homeowners
        • Builders’ Risk/New and Renovation Construction
        • Condominiums
        • DP3 Dwelling Fire
        • Manufactured Home
        • Musical Instruments
        • Personal Articles and Valuables
        • Collections
        • Appraised Items
        • Dog Bite History
        • Workers Compensation (Nannies and Caretakers)
        • Personal Umbrella
        • Flood Determinations
        • Mortgagee Billing Accommodated

        Classic Car/Boat Insurance


        Carter/Pier Insurance Services will work with you to procure insurance coverage. The following are some examples of what we call "toys" – you don't need them but you surely enjoy them:

        • Motorcycle/Trike/Bike (DMV-Registered and -Licensed for Everyday Use)
        • Watercraft/Boat/Yacht/Sail (Pleasure Use, Fresh or Salt Water)
        • Classic, Antique, Brass Era, or Muscle Car
        • Classic Import or Exotic Vehicle
        • Classic, Antique, or Vintage Truck/Motorcycle
        • Classic Pre-WWII Vehicle
        • Post-WWII, Late 40s, 50s, 60s, 70s, 80s Vehicle
        • Classic Wooden/Metal Hull Boat
        • Recreational Vehicle (Such as Mobile Home, ATV, and Snowmobile)
        • Hobby Collection
        • Jet Ski

        Carter/Pier Insurance Services

        CA License #0K61316

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        Address

        Mail: P.O. Box 126
        Loc: 139 South Main
        Colchester, CT 06415 – 0126

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        Contact Info.

        Phone: External link opens in new tab or window860-537-8811
        Fax: 860-537-2258
        Email: info@carterpier.com

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