Western State Insurance

Expect partnership. Commercial insurance is not fixed. It is fluid and complex. Put a loss-prevention program in place here, there’s a ripple elsewhere—in price, in coverage, in carrier, in its effect on another insurance program. If you’re in an industry with unique problems, there’s going to be a solution somewhere—if you make it your job to find it. Depending on your tolerance for risk, there’s a spectrum of choices for any given aspect of your insurance—if you’re willing to design a solution, instead of buying it off the shelf.

If you’re willing to work smarter and harder, the complexity and fluidity of commercial insurance works to your advantage.

Take a look at your company. What is your real exposure to loss? What can you do to actively manage, minimize or eliminate your exposure to loss?
With Western States, your
agent’s first question is not
“How much insurance do you
need?” The first question is
“How can I help you need less?”




What are your special problems? What are the gaps? What can be fixed, retired or secured rather than be insured?

Once you manage and reduce your exposure to loss or find coverage for special problems, commercial insurance becomes an exceptionally better value.

To find that value, you need to find the right partner. Someone who knows your company and its risks first-hand, who knows you and what you’re looking for, who knows the local economy and who takes the time to walk through your business with you, looking for solutions.

That’s a Western States Insurance agent, who takes a very different approach to commercial insurance than other insurance agents. With Western States, your agent’s first question is not “How much insurance do you need?” The first question is “How can I help you need less?” Then your agent starts working with you to proactively reduce and manage your exposure to loss, find solutions for special requirements and cover all the bases. Together, you’re going to find a much better deal—because your partnership has built protection thatis worth more than the sum of your insurance policy premiums.

Expect more questions. At Western States Insurance, we’re going to ask you a lot of questions. About everything. Because in commercial insurance, more than any other kind of insurance, you can actually do a lot to save a lot of money. To learn where the opportunities for savings lie, we will get to know you. Walk the floor with you. Come up with fresh ideas. Ask still more questions to uncover risks and identify gaps. We’ll work together on your insurance package.

Expect the right answers. Western States Insurance is a local, independent insurance agency. It’s an important distinction. Because we’re independent, we can select the best coverage (or create a unique solution) from We have more
answers, and they’re
more likely to be the
right answers.


among dozens of hand-picked insurance carriers, rather than selling you a limited line of policies we carry.

That means we have more answers, and they’re more likely to be the right answers. We represent hundreds of markets, writing all classes of commercial business; we can place virtually any risk, even those, such as in logging or medical malpractice, where good solutions are notoriously hard to find. We work with dozens of the strongest, most stable insurance providers and financial firms in the country, selected on the basis of their financial strength, reputation, performance, service and the caliber of their people. And we have clout. Western States is built on a foundation of local, hometown offices, but in the insurance industry we’re a major regional agency, well known for our innovative thinking and proactive approach to loss reduction. That gives us the buying power and leverage to get better deals. The result is the right answer: the appropriate coverage—no more or less than you need—at the best possible price.

Expect expertise. At Western States, we don’t think problems get solved just by shooting e-mails back and forth. There’s only so much we can learn over the phone. To find value, we simply have to do the legwork: talk, observe, take notes, ask questions, take action. That’s why we put such a high priority on our personal relationships with our commercial clients. There’s a lot at stake in commercial insurance: Your company and your employees depend on it. So we have to be smarter on your behalf. Your agent’s experience, expertise and personal knowledge are what leads to better coverage and added value. That’s why we make sure your Western States agent is on top of new offerings, trends, and new opportunities, including our own innovations, through continuing education programs that go far beyond the training offered by our peers.

Expect a great relationship. It used to be that service counted for a lot when it came to insurance. Now the concept has virtually disappeared. But not around here. At Western States, our agents may have national clout, but their business is about taking care of the people and businesses in their community. So when you meet your Western States agent, chances are you’ll meet over a cup of coffee or on your factory floor. When there’s a question, a problem or a claim, you can call an agent you know well, and who knows you and your business. We can’t imagine working any other way.