Personal & Commercial Insurance

When it comes to things that mean the most to you, we understand how much having the right amount of protection matters. Our role at Sprague & Killeen, Inc. is to help you understand the different kinds of insurance products as well as the many options you have when selecting the right coverage for you.

You woman driving car and smiling

Auto Insurance

While it’s something most of us do daily, being behind the wheel does come with some worry about the “what ifs”. Having the right coverage for your vehicle is key to staying protected on the road. We work with you to ensure we get you the best coverage possible at a rate you can afford.

Middle age couple buying home

Homeowners Insurance

Your home is one of your largest investments. It’s where you spend time with family and friends making memories, so of course, you want to protect it. While you can’t control outside forces and events, you can control what happens in the aftermath. Working with one of our agents to get you the right coverage will help you feel secure in knowing no matter what happens, you’ve planned for the future.

Man, woman and child laughing while playing in living room

Renters Insurance

Your home is your home whether you own it or rent it. It’s where your valuables are and where you rest your head at night. You want to be sure you’re covered in the event of a break-in or fire, and that your living expenses are covered if one of these should happen and you have to live elsewhere. We treat your renter’s coverage with the same level of detail as we would your homeowner’s policy.

Modern suburban home against blue sky

Umbrella Insurance

Plain and simple, insurance is about accounting for life’s risks. While we are proactive to be prepared for more common risks, there are some losses that go beyond what a typical policy might cover. Having an umbrella policy can help make your coverage airtight. It provides a broader form of coverage that accounts for common limits and exclusions on your homeowners or auto policies.

We also offer the following Personal Insurance

ATV Insurance
Boat Insurance
Builder’s Risk Insurance
Condominium Insurance
Classic Car Insurance
Flood Insurance
Inland Marine/Personal Article Floaters

Landlords Package
Mobile Home Insurance
Motorcycle Insurance
Motorhome/RV Insurance
Special Event Insurance
Vacant Land Insurance
Wedding Insurance

Male and female working behind counter in restaurant

Small Business Insurance

There is nothing like the hard work and dedication of a small business owner. The phrase “blood, sweat, and tears” never rang truer than when talking about everything business owner’s pour into their work. We understand the on-going challenges that business owners face. Our agents are here to bring peace of mind with secure, customizable and affordable coverage.

Man in hospital with cast on leg

Workers Comp Insurance

We sure don’t have to tell you that your employees are one of your most valuable assets. If one of them is injured and cannot work, it can disrupt your entire organization. If that injury is workplace related, you could be held liable for their medical costs. Businesses with employees in New York are required to have Workers Compensation Insurance, and rates are based on several factors within your business. Our agents are trained to know the right questions to ask to get you the best coverage at a rate that is affordable for your business.

We also offer the following Business Insurance

Boiler and Machinery
Bonding and Surety
Builders Risk Insurance
Commercial Automobile Insurance
Commercial Umbrella Policies
Contractors Equipment
Cyber Security Insurance
Directors & Officers Insurance
Disability Insurance
Emergency Services Insurance Program
Errors & Omissions Insurance

Flood Insurance
Garage & Dealers Insurance
Inland Marine Insurance
Landlords Package
Municipality Insurance Program
Professional Liability
Property/General Liability
Religious Institutions
Restaurant Insurance
Special Events Insurance
Truckers Insurance
Warehouse Legal Liability Insurance

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