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: 860-537-8811

Fax: 860-537-2258

Email: info@carterpier.com

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