Business Details
29 Years
experience
Your Trusted Independent Insurance Partner Since 1997
Established in 1997, Clippership Insurance has built a reputation as a trusted independent insurance agency dedicated to advocating for our clients' best interests. As brokers who represent clients rather than insurance companies, we prioritize personalized service through comprehensive policy analysis, tailored protection programs, and strategic placement with financially sound carriers. Our team specializes in identifying coverage gaps, implementing cost-saving measures, and ensuring prompt, confidential claims resolution.With expertise in personal and commercial insurance lines, we maintain relationships with over 20 top-rated home insurance markets and eight major auto carriers to secure optimal coverage solutions. Our commitment to continuous policy review ensures clients' evolving needs are met with competitive pricing and innovative risk management strategies, treating every client's requirements as if they were our own.
Services
Auto Insurance
Homeowners Insurance
Condominium Insurance
Renters Insurance
Commercial Property Insurance
Details
- Year established: 1997
Highlights and features
- We are independent insurance agents representing 20+ top-rated carriers
- Our team conducts comprehensive insurance needs analysis for personalized solutions
- We implement strategic risk management to reduce insurance costs
- We handle claims with promptness, efficiency, and confidentiality
- Our expertise spans personal and commercial insurance lines since 1997
Services
Auto Insurance
We offer comprehensive auto insurance solutions through eight major carriers, including Safeco, Arbella, and MAIP. Our policies feature customizable coverage options with discounts for safe drivers, multi-vehicle households, and low-mileage drivers. Our team ensures competitive pricing while maintaining adequate protection for your vehicle and liability needs.
Homeowners Insurance
Our homeowners insurance provides coverage based on replacement cost rather than market value, protecting your primary residence against major perils. Policies include personal liability coverage, loss of use benefits, and optional endorsements for valuable items like jewelry and earthquake protection. We work with over 20 top-rated carriers to find optimal coverage solutions.
Condominium Insurance
We specialize in condominium insurance that bridges gaps between master association policies and individual unit needs. Our coverage includes personal liability, personal property protection, and structural gap coverage for interior components. Our experts help unit owners understand their responsibilities versus the association's coverage obligations.
Renters Insurance
Our renters insurance provides essential coverage for personal belongings and liability protection at affordable rates. Policies cover clothing, furniture, and personal items while offering liability protection for alleged negligence claims. We emphasize the importance of individual policies since roommates aren't covered under single policies.
Commercial Property Insurance
We provide commercial property insurance that protects business assets including buildings, equipment, and inventory. Our policies address risks from fire, theft, and weather events while offering business interruption coverage to maintain operations during recovery periods. We help businesses assess replacement costs and implement risk management strategies.
People
Joseph P. Balboni
Founder
Joseph P. Balboni established Clippership Insurance in 1997, building it into a leading independent agency through his commitment to client advocacy and comprehensive insurance solutions.
Questions
What is an insurance check-up and why is it important?
An insurance check-up reviews your current coverage to ensure it meets evolving needs. We recommend annual reviews to identify gaps and adjust policies as life circumstances change.
How does independent insurance brokerage differ from direct carriers?
As independent brokers, we represent clients rather than specific insurance companies, allowing us to compare multiple carriers to find optimal coverage and pricing for your unique needs.
What factors determine homeowners insurance costs?
Homeowners insurance costs depend on replacement cost, location, construction type, and chosen coverage limits. We help identify applicable discounts and risk mitigation strategies to reduce premiums.
Why do renters need insurance coverage?
Renters insurance protects personal belongings and provides liability coverage at affordable rates. It's essential since landlord policies typically don't cover tenants' possessions or liability claims.
How does commercial property insurance protect businesses?
Commercial property insurance covers building structures, equipment, and inventory against covered perils while business interruption coverage helps maintain operations during recovery from covered losses.
What makes condominium insurance different from standard homeowners policies?
Condominium insurance addresses unique coverage needs by bridging gaps between master association policies and individual unit requirements, covering personal property, liability, and structural components not included in association coverage.
