Why Chester chooses an independent agency

When you call a captive agent in Chester, you get one carrier’s answer. When you call The Allen Thomas Group, you get options — because we shop Travelers, Liberty Mutual, Progressive, Cincinnati, Auto-Owners, Western Reserve Group, AmTrust, Hartford, and 7+ more A-rated carriers.

For Chester residents that means real choices on auto and home. For Chester business owners that means commercial programs built around how your operation actually runs — not a generic BOP that misses key exposures.

Personal insurance for Chester families

Auto insurance in Chester. We shop multiple carriers for your driving profile, vehicle list, and household composition. Liability, collision, comprehensive, uninsured/underinsured motorist, medical payments — we walk through each coverage and explain why limits matter.

Homeowners insurance in Chester. Dwelling, personal property, liability, additional living expense. We size replacement cost correctly (not market value), make sure coinsurance won’t bite at claim time, and add water backup, ordinance & law, and scheduled property where appropriate.

Life insurance. Term life is right for most families — affordable coverage for income replacement during working years. Whole and universal have specific use cases (estate planning, business buyout, key person). We help you size coverage to actual needs.

Umbrella. $1M-$5M of personal liability protection on top of auto and home. With judgment and settlement values rising, $1M is now a starting point for most middle-class households — not a luxury.

Business insurance for Chester companies

We write commercial coverage across nearly every industry: contractors, manufacturers, restaurants, retail, professional services, healthcare, technology, and more. Core coverages we package include:

• General liability — premises, products, completed operations
• Commercial property — building, contents, business income
• Workers compensation — class code accuracy that drives premium 20-40%
• Commercial auto — fleet, hired/non-owned, cargo
• Cyber liability — breach response, ransomware, business interruption
• Umbrella — excess limits over GL, auto, employer’s liability
• Industry-specific endorsements — equipment breakdown, pollution, professional liability, abuse and molestation, liquor, recall

How we work with Chester clients

Discovery. 10-30 minute call or online intake — depending on complexity — to understand your situation and identify exposures.

Marketing. We submit to multiple A-rated carriers based on appetite and pricing fit. For most clients you get 3-5 real options.

Comparison and bind. Side-by-side comparison of options, coverage explanations, and recommendation. You choose. We handle paperwork.

Service. Certificates, endorsements, claims advocacy, and renewal marketing — that’s the year-round work between bind and renewal.