Coverage from America's Top Insurance Carriers℠

Uncover what traditional insurance carriers hope you never find out...

Top rated FinTech insurers cut up to 40% in expenses baked into most traditional insurance. YOU GET THE SAVINGS!

What is FinTech?

"Financial technology companies (FinTech) [are] companies whose line of business combines software and technology to deliver financial services."

-The U.S. Department of Commerce

What can I insure?

The quick answer is just about everything. Our agency currently insures...

We'd love to help everyone, but for now we're licensed in:

Indiana
Michigan
Ohio

Amazon Merchants
Architects & Engineers
Barbers & Hair Salons
Car Repair & Mechanic
Cleaning
Construction
Education & Schools
Fitness & Outdoor
Financial Services
Gun Ranges
Home Inspectors
Insurance Agencies
Mobile Food Vendors
Pest Control
Private Investigations
Radon Mitigation
Real Estate & Rentals
Security Guards
Shopping & Retail
Social Services
Many more...

We cover most 300k-3m

Primary Homes
Seasonal Homes
Secondary Homes
Rental Homes
Home Sharing
Coverage with no dog breed restriction available

Personal Auto
Few Restrictions
True Mileage Based
Self Reporting
Preferred Auto
Commercial Hired & Non-Owned

Once issued, administer your own policy anytime.

Our carriers use an online customer portal or cell phone app to let you INSTANTLY manage your policy anytime without waiting.

Licensed agent will shop multiple carriers, including FinTechs

No spam, no games, no shenanigans. Just a real live quote with a few basic pieces of information.

We'll reply by email within one business day with your written quote.

Quote, purchase, manage all aspects of your business, home and auto insurance online, but rest assured a dedicated, personal agent is ready to help if you need help.

REQUEST INSURANCE

QUOTE NOW

LOCAL AGENT OFFERS QUOTES

FROM FINTECH INSURANCE CARRIERS

Dear Small Business & Personal Insurance Shopper,

My name is Phil Pavarini, Jr. I've been a licensed Private Investigator since 2003, and a licensed P&C Insurance Agent since 2006.

After starting my PI business, I became frustrated at my experience trying to find the best value insurance... so I took matters into my own hands to find the best coverage options. Now I investigate and find the best values in insurance to bring you top value for business, home & auto coverages.

VINTAGE RELICS OF THE PAST...

All of the top 25 insurance carriers of 2021, as listed by the National Association of Insurance Commissioners (NAIC), have been around a half century or more. 64% are over a hundred years old, and a few two hundred years old. That's old news alright!

Historic organizations have antiquated guidelines and business models. They cost every consumer a lot of unnecessary money. For every dollar they charge, they often only spend sixty cents in claims paid. About forty cents often goes towards expenses: administration, agent commissions, management salary, bonuses.

Sheesh... time to try something new!

DISCOVER CUTTING EDGE INSURANCE WITH FINTECH ...

FinTech companies use modern technology to eliminate unnecessary fluff from the insurance process. Shorter applications, lower premiums, automated services. Instead of paying layers and layers of bureaucratic middle management, high paid executive staff like CEO's, CFO's, CIO's, FinTch seeks to leverage new technology with meta data to bring you the best values with the most convenience.

FINTECHS ARE MODERN DAY INSURANCE MAVERICKS ...

Instead of using outdated criteria such as how long you've been in business, or restricting certain dog breeds, or how recent your home wiring was installed, or whether you have a trampoline or not, or other wacky criteria, FinTech companies tend to base underwriting decisions on dozens of data points using artificial intelligence and algorithms. They use technology to your benefit not just their own.

OKAY, BUT WHY DO I NEED YOU, AN AGENT?

I or a licensed agent will personally review every insurance application and find which carrier we have that offers the best value for your needs. Then we'll email you a quote. It's that simple. The process takes a little time, because we like to give it the once over. If we can help, you'll have a quote within 24 business hours.

Don't get me wrong: Sometimes a FinTech might not be right for your situation. We've got you covered with traditional insurance carriers, too. We offer Coverage from America's Top Insurance Carriers℠

I'll help determine coverage needs and keep up with latest insurance offerings. You do whatever it is you do without worrying about being an insurance agent yourself.

IS THIS HYBRID SOLUTION RIGHT FOR YOU ...

If you're looking for a brick-and-mortar office to visit, I'm probably not your best fit. Plenty of mom-and-pop insurance agents are in your neighborhood, I'll even refer you to one if that's what you prefer.

If you want a call center or strictly online experience, just reach out to the carriers directly. I'm not looking to insure everyone. I focus on offering my best to those who need my services, not those who are looking for somthing else.

When an agent is needed for coverage review, you'll almost always reach me personally, or your own dedicated agent, I'm your personal concierge to help navigate your insurance needs. I offer the perfect combination of local agent vs online insurance. You can contact me directly anytime.

All policies are quoted and managed directly online
Electronic payment only, credit card or EFT, carrier billing
Claims are handled directly with insurance carrier

Sound interesting, doesn't it? Find out more, request a quote now!

~ Phil Pavarini, Jr., ,

Independent Insurance Agent Since 2006

Is this coverage safe?

Our independent insurance agency has been licensed since 2006, and a member in good standing of our local BBB with an A+ rating since 2013. Our references are impeccable, and our reviews are 5-star. We only work with admitted insurance carriers who are rated Excellent A- or better by AM Best or other rating agencies.