Welcome to Carpenter & Company

We are an independent agency broker with the customer in mind.  Independent agencies unlike direct writers have multiple company choices to offer you. Because we have these relationships we can obtain the correct coverage with the best pricing and most importantly the service you deserve!  Make the latest changes to your policy directly from our website twenty-four hours a day, seven days a week or call us direct.  All employees have direct lines to service you faster.  Let us know how we can help you for all your insurance needs.  Call us today for free quotes on all lines of insurance!

Questions about COVID-19 and Your Insurance Coverage?

March 23, 2020  The news on everyone’s mind is Coronavirus or COVID-19. Many jurisdictions are instituting some level of shelter in place-/-quarantine order for all non-essential businesses.  As a result, many of our clients are asking the question whether or not their insurance provides any possible coverage in relation to this pandemic. 

It is possible for your commercial property insurance to extend coverage to include coverage for loss of business income due to a closure of your business caused by a covered peril. A communicable disease like Coronavirus may not be a covered peril, but you should not allow that assumption to keep you from taking action. 

• First, it is critically important to report all claims and potential claims to EACH AND EVERY CARRIER whose policy might apply to your loss. This includes Commercial General Liability, Property, Personal lines, Umbrella, Excess, Workers Compensation, Specialty and any other policy you may have.

• Second, you need to determine whether you purchased business income coverage. If you don’t find the coverage in your policy description, be sure to call our office.

• Third, if your business closes due to COVID-19, it is important to know (again) that communicable diseases typically are not a covered peril that would give rise to insurance benefits for loss of income. This is true regardless if the loss of income is from a downturn of business due to the loss of many customers or the actual closure of your business due to Civil Authority. Regardless, you should still report all claims and potential claims.

Please be sure to contact our agency if you have any questions.  We’re here to help