Motor Vehicle

• Auto Insurance
  Commercial auto insurance is a flexible type of insurance that can cover multiple vehicle types and even some types of motorized equipment. It includes coverage for both bodily injury and property damage while operating a company vehicle. It also provides medical payments (also known as Personal Injury Protection, or PIP) for both the driver and passengers of the policyholder’s car.
• Motorcycle Insurance
  Shirer Insurance Services insures a full spectrum of motorcycles, from street cycles to dirt bikes. Your motorcycle insurance policy starts with basic liability insurance. Shirer Insurance Services works with multiple insurance companies so we can provide you with motorcycle insurance coverage options that are right for you.
• Boat Insurance
  Shirer Insurance Services can help make your time on the water relaxed and worry-free. We will help you find a comprehensive boat insurance policy that helps protect your watercraft and equipment.
• RV Insurance
  Recreational Vehicle insurance protects your motorhome, travel trailer, camper, or horse trailer from damage due to a natural disaster or accident. There are a lot of options to consider when choosing the right insurance for your needs. Let Shirer Insurance Services help you select the right coverage for your RV. You can request a quote online and we'll provide you with quotes from multiple companies so you can compare and save.
• Inland Marine Insurance
  Consider inland marine insurance. It preserves the value of a product over and above what traditional insurance may not cover while it’s being transported. Whether your business needs ongoing coverage or a policy to safeguard a one-time transit of goods, Shirer Insurance Services will be there to help you select an option that’s right. As an independent insurance agency, Shirer Insurance Services has access to a number of different insurance companies. We are not married to a single brand and can measure the pros and cons of the different offerings on the market.

Property

• Renters Insurance
  You have a lot of things that are important to you – from your clothes and furniture to your sound system, sports gear, and computer -- and you want to feel confident that your treasured possessions are not at risk in the event of theft or damage. A renters insurance policy can covers your personal property against theft or damage, even if you are away from your home.
• Home Insurance
  Through the insurance companies we represent, you’ll have access to all types of insurance, from the basics like auto and home insurance, to highly specialized coverages.
• Condo Insurance
  Condo insurance protects what your association's insurance does not, including your possessions, repairs to the interior of your unit, and liability claims brought against you, as well as any additions, alterations, and improvements you make to your unit that are your responsibility based on the condo association agreement. Let Shirer Insurance Services help you find the right amount of coverage to suit your condo insurance needs. Various limits of loss assessment coverage are available. Be sure to consult the HOA agreement to determine the potential for such assessments. We can help you determine your coverage needs to make sure you are properly covered.
• Landlord Insurance
  Not only do you want your property covered, but you want to protect yourself and your integrity. Landlord protection liability insurance options provide you with protection against personal injury, wrongful eviction, or wrongful entry as well as other non-bodily injury claims such as libel and slander.

Health and Life

• Life Insurance
  Insurance is important to every financial plan. Shirer Insurance recommends that everyone review their insurance policy annually to make sure you are covered for unforeseen circumstances. Have you thought about adding life insurance or an umbrella? Reach out to house to schedule an appointment and we are happy to assist!

Business

• Business Insurance
  At Shirer Insurance Services, we know the goods you transport can have a value beyond the scope of your traditional business insurance. Let us help you find the right coverage for your next transport of high-value goods.
• Commercial Property Insurance
  Commercial property insurance provides a wide range of coverage for buildings, inventory, equipment, and more. This type of policy typically covers things like losses from fire, break-in, vandalism, wind and other natural or manmade disasters.
• Workers Compensation Insurance
  Workers Compensation pays for medical care and the physical rehabilitation of employees injured at work, and helps to replace lost wages while they are unable to work. In most cases, this type of coverage also protects an employer from lawsuits from injured employees.
• Commercial Liability Insurance
  Also known as “General Liability,” Commercial Liability Insurance is exactly what it sounds like: a broad type of policy that covers the general liability exposures a business might face during its normal day-to-day operations. Shirer Insurance Services recommends that all businesses have this type of coverage in place at all times.
• Professional Liability Insurance
  E&O insurance, also known as Professional Liability Insurance, covers professionals for negligence, as well as for errors or omissions that damage their clients or cause damage to a third party’s data. E&O insurance is especially important for licensed professionals such as accountants, attorneys, insurance agents, architects, engineers and technology companies.
• Restaurant Insurance
  The insurance needs of your restaurant are likely different than those of the restaurant down the street. You might serve alcohol while your neighbor specializes in coffee and pastries. You both need insurance, but what exactly do you need in your policy?

Personal

• Annuities
  Troy Shirer is owner and founder of Shirer Insurance Services, LLC, and has been in the insurance business since 1992. Troy focuses on commercial insurance, but is also ready to help you with everything from home and auto to life and annuities. Troy has served on a variety of company round table committees, as well as being a Certified Insurance Counselor (CIC).
• Liability Insurance
  Situations like these are why umbrella liability insurance exists. An umbrella policy picks up where your homeowners or automotive insurance policies leave off, for additional coverage, often up to a million dollars or more.
• Identity Theft Insurance
• Pet Insurance
  For most pet owners, their animals are part of the family. Whatever package they come in, large or small, your animals' well-being is your major concern, and therefore it’s ours too. That’s why we help find pet insurance policies that are affordable and that work when you need them to.

Natural Disaster

• Flood Insurance
  To help protect homeowners, renters, and business owners with flood insurance, Congress created the National Flood Insurance Program (NFIP) in 1968. Communities in high-risk areas for flooding work with NFIP to bring help to reduce the danger of flooding. If standards set by FEMA (the Federal Emergency Management Agency) are met or exceeded, participating communities are included in flood insurance programs that make this insurance affordable and accessible.