Frazer Agency

Windsor, VT: The Associate Agents for the Frazer Agency recently completed a course titled Farm 201. It is a comprehensive training session on new property and casualty insurance coverages for farmers. Beginning October 1, 2008, Frazer Agency will be marketing its AgriChoice Farmowner policy in Vermont.

The training was designed to address the growing insurance needs of farm customers by focusing on contract changes and new enhancements. Of special note were new options available to farmers that allow for greater individualization of coverages. These coverage options are part of the AgriChoice^sm farmowner program. Developed after extensive customer input it is designed to meet the insurance needs of a changing farm market place.

“Our agency remains committed to staying current on coverages and products so that we can offer the best advice to our customers,” said Larry Frazer, President and CEO of the Frazer Agency. “I believe this is the greatest asset that we offer to our friends in the farming community.”

“We are proud to provide the best in product offerings, supported by a wide range of services specifically focused on farmowner needs, including farm-specific loss control and a ‘Back to Business’ claims approach.”

What is important to you, is as important to us.

The Frazer Agency strives to serve its customers with honesty, trust, and integrity, which is why we like to do business with other businesses.  We know your business is not just about profit, but serving the needs of your customers.

Our Commercial Team will sit with you, the business owner, and analyze your business insurance needs.  Each policy is specifically designed to fit the needs of an individual business.  We take the time to understand what you do, whom you do business with, and what you need to protect your business.

A second opinion is always worth the time it takes to make a phone call.  Our team will review your current coverage and outline a plan to enhance your coverage and protect what matters most, your business.

Some of the programs we offer:

Business Owners, Property and liability, Contractors, Garage Keepers, Business Auto, Worker’s Compensation, Commercial Umbrellas, Bonds, and Farm Insurance.

The Frazer Agency is committed to helping you protect your business.  Call today to let us review your current coverage and give you the peace of mind that your business is covered.

We know insurance is complicated and often is not explained before you purchase it.  At the Frazer Agency, we strive to explain coverage and allow you to make educated decisions about your personal insurance choices.  The following is a breakdown of auto insurance coverages with explanations of what each coverage offers.

 Comprehensive Coverage:  This covers fire, theft, vandalism and glass breakage.  It pays for damages to your car, less any deductible, caused by something other than collision or upset.

Collision Coverage:  Pays for damages to your car, less any deductible, caused by collision with another car or object; or by upset.

Auto Liability:  This has three parts: 

1.  Bodily Injury

Bodily Injury liability pays out when you are responsible for injury to others.  Underinsured/Uninsured motorist liability is bodily injury liability that pays for hospital costs and other medical expenses for bodily injury to you and others in you auto, when injury is caused by an uninsured/underinsured motorist.  

2.  Property Damage

Property Damage liability pays a claim if you are responsible for damage to another’s auto or property.  This could be anything from a car to someone’s mailbox to driving your car through someone’s living room.  Property damage is very important coverage which many people are underinsured for presently.

3.  Medical Payments

Medical payments pay for certain expenses sustained by you or others whiles occupying your auto, regardless of fault. 

There are other optional coverages that will enhance your auto insurance.  Towing and Labor offers a certain amount of reimbursement per disablement for towing.  Originally Manufactured Parts provides originally manufactured parts for your vehicle without questions.  No after-market or used parts will be used to fix a damaged vehicle.  Glass coverage allows repairs to broken glass on the vehicle without being subject to the comprehensive deductible.

Call or log on today for an auto quote!

We like to annouce that Kathy Newton won this quarter’s promotional prize of a $50 Gift Card To Price Chopper!  Our next promotion will be for a $50 gas card.  Continue to submit your emails for a chance to win!

I remember getting my license.  It was a great day.  A day of freedom.  A day of adulthood.  A day I could finally pay back my sister; she had to ride to school with me!  I had suffered through two long years of her driving and now, she was going to suffer through mine.

Spring is the time for many new drivers to start hitting the roads.  We, at the Frazer Agency, would like to help make the transition for both Mom and Dad and the teenager a little less hectic.  Check out this link for ways to protect your teen, your auto, and your peace of mind.  Make sure your new driver looks at the site too, there’s lots of good information for them too.  Like, what kind of driver they are intuitively going to be!

Stop by one of our offices for more information about the Smartride program, and ways to help save on insuring a new driver.  It’s a fun and difficult time, let us help make it a little smoother for you.

Spring is almost here, though sometimes it really does not feel it.  This is the time of year for rivers and streams to overflow due to ice melt.  If you do not have a flood policy, it is time to get a quote.  Flood policy take 30 days before they are in force, so don’t be left out this spring.  Get your flood quote today!  And, yes, YOU DO live in a flood zone.  EVERYONE lives in flood zone. 

Check out our survey at the In the Community Page.  This first survey is pretty simple, but we are hoping over time we will have some interesting topics for you!

Let’s hope it’s not a bunch of blah, blah, blah….

For starters, we liked to keep this page updated with new promotions, products, events, and happening that might be of interest to you. Also, each month, a new topic of insurance will be detailed. We hope this helps you have a better understanding of your insurance. Of course, it will never replace the one on one contact between you and your agent.

For news, we partnered up with NASCAR and are sponsoring a race series for the next seven years! Check out this link to read all about it.

For products, perhaps you have a speeding ticket, an accident, or a few of both! Fear not, the Frazer Agency has several options to find you insurance and it will be a reasonable rate!