Services

A Different Kind of Insurance Brokerage

Poms & Associates is a full-service commercial insurance brokerage and risk-management firm. We don't just place coverage — we work to reduce the risks that drive claims and premiums in the first place. Our brokers pair decades of underwriting and claims experience with hands-on risk control, so your insurance program protects your bottom line, not just your balance sheet.

What We Offer

Property & Casualty — commercial property, general liability, workers' compensation, surety, executive protection, and mergers-and-acquisitions coverage for businesses of every size.

Employee Benefits — group health and benefits brokerage, benefit strategy, HR support, ACA compliance, employee communications, and benefits technology.

Risk Control — safety programs, security consultations, and loss-prevention consulting that reduce the frequency and severity of claims — and with them, your total cost of risk.

Public Entity — insurance and risk programs built for municipalities, school districts, and public agencies.

Private Client — personal insurance for high-net-worth individuals and families, from homes and autos to collections and umbrella liability.

Explore each service line below, or request a free consultation and we'll help you figure out where to start.

Frequently Asked Questions

What does an insurance broker do that an agent doesn't?

An agent typically represents one insurance carrier. A broker represents you: we shop your risk across multiple carriers, negotiate terms and pricing on your behalf, and advocate for you at claim time. Poms & Associates adds in-house risk control on top, helping you prevent the losses that raise premiums.

How does risk control lower my insurance costs?

Fewer and smaller claims mean better loss history, and loss history is the single biggest driver of your premium. Our risk-control consultants help with safety programs, site assessments, and employee training so problems get fixed before they become claims.

Which industries does Poms & Associates specialize in?

We have dedicated practices for construction, real estate, multifamily rental, manufacturing, energy, transportation, non-profits, schools, and public entities, alongside programs for businesses of all types.

How do I get a quote or a consultation?

Use the consultation form on our contact page or call 800-578-8802. A broker will review your current coverage and exposures — there's no cost or obligation.