Services & Specialties

We match coverages with personal and business needs.  We're here to take the time to learn about the risks you face and to help you meet those risks with cost effective coverages.  From Auto to Vacation Rental Property, from Condo Association to Restaurant, we have a coverage from an A- or better carrier to give you peace of mind.

We place coverages with Co-operative, Progressive, Concord Group, Kemper, Foremost, Lloyd's of London, Philadelphia, Lexington, CNA, Zurich, United Healthcare, and the list goes on and on.  We search out a good fit for your coverage needs.


  • Vacation Income Property Coverage tailored for your vacation home which you rent to others.  Includes many special features tailored for a rental property for typically a small amount more than a standard homeowners policy.
  • Homeowners - Generally provides coverage for the home, contents, and valuables. Also it provides essential personal liability coverage in the event that someone is injured on your property or if an insured accidentally injures someone.
  • Umbrella liability - Excess liability coverage that extends underlying homeowners and auto insurance to higher coverage limits to cover more catastrophic losses.  Also generally includes valuable coverage extensions into areas such as personal injury.
  • Autos - The auto insurance marketplace has become very competitive in recent years.  We work with major insurance carriers bringing you great rates along with the service level only possible with a local agency.

  • Condos - There’s probably more value in your contents and personal belongings than you think.  Get the insurance coverage you ought to have.
  • Renters - If you rent an apartment or house you can protect your personal belongings.  A Renters policy will also provide you with liability coverage should you become liable for injuring someone in a snowsports or golf accident.

  • Boat/motorcycle/snowmobile/RV - We help you protect your fun assets.  Drop in today and purchase coverage for your toys and help protect yourself from liability when accidents happen.
  • Life Insurance - we shop over 12 national life insurance carriers all rated A or better by AMBest to select the best value for each individual insured.
  • Pet Insurance - we've reviewed the pet insurance options for you and present top rated options for you on our quote page.  Simply follow one of the links and answer a few questions about your pet to select a policy that is right for you and your pet.


  • Condo Associations - A comprehensive package is offered to condo associations.  We put together property coverage, general liability, directors and officers, employee dishonesty, umbrella options and backup of sewer and drains.  We will work with your association and attend your general meeting to explain how the coverage package selected coordinates with individual unit owner coverages.  At your request, we offer consultation with unit owners to review the coordination of their insurance with the association's policy.
  • Restaurants and Bars - We place restaurants, bars and taverns.  Coverages include liquor liability, property coverage and general liability.
  • Bed and Breakfast Inn insurance - we consult with you to learn the specifics of your business and then tailor a coverage package based on your specific exposures including liquor liability, non-hired auto, and restaurant exposures.
  • Business Auto - CIA offers a wide range of commercial auto insurance programs to fit the needs of the small business operation, whether it's for passenger autos or heavy trucks.
  • Builder's Risk and Contractor's Liability - We place builders risk policies for construction projects and can set up your general or artisan contractor general liability policy as well.
  • Business Owners Package Policy - Many small businesses are eligible for a package Business Owner Policy (BOP) offering a broad range of business coverage options.
  • Workers Comp - Call us for coverage of all your workers compensation needs.
  • Real Estate Professional Liability - we place this insurance with 2 nationally known carriers.
  • Employment Practices Liability - we offer this insurance.