Business Details
43 Years
experience
Your Trusted Insurance Partner in Johnstown, PA
FWF Insurance has been serving the insurance needs of individuals and businesses in the tri-county area for over 40 years. Established through the merger of two long-standing agencies in 1983, our agency combines decades of local expertise with representation from 15 major insurance carriers. Our team of eight dedicated professionals lives in the communities we serve, ensuring personalized service and deep understanding of local risk profiles. We specialize in matching clients with comprehensive coverage solutions for auto, home, life, health, and commercial needs while maintaining a strong focus on cost-effectiveness.Our proven track record includes securing significant savings for policyholders, with demonstrated expertise in complex insurance scenarios ranging from classic car coverage to emergency service organization protection. Backed by industry-leading carriers, we provide responsive claims support and proactive risk management guidance to help clients navigate evolving insurance landscapes.
Services
Auto Insurance
Classic Car Insurance
Motorcycle Insurance
Recreational Vehicle Insurance
Watercraft Insurance
Homeowners Insurance
Renters Insurance
Life Insurance
Business Owner Insurance
Health Insurance
Details
- Year established: 1983
Highlights and features
- We represent 15 major insurance companies to find you optimal coverage
- Our team serves over 200 municipalities and fire companies
- 40 years of combined agency experience in Pennsylvania markets
- We've secured 50% savings for customers switching from other providers
- Dedicated agents specialize in niche areas like classic car insurance
What people say
At half the price
Prompt and delivered with sincerity
Amazing
Wouldn't change a thing
Treated respectfully professionally
Services
Auto Insurance
FWF Insurance provides comprehensive auto insurance solutions with leading carriers. Our policies cover bodily injury liability, property damage, medical payments, collision, and comprehensive protection. We help clients customize deductibles and coverage limits while finding cost-effective options that meet Pennsylvania's requirements and exceed expectations for protection.
Homeowners Insurance
Our homeowners insurance policies protect against fire, theft, weather damage, and liability claims. Coverage includes structural protection, personal property replacement, and liability coverage for accidents on your property. We offer specialized options like flood insurance and guaranteed replacement cost coverage to ensure complete protection for Pennsylvania residents.
Life Insurance
We offer term and permanent life insurance solutions to protect loved ones. Options include whole life, universal life, and term policies with flexible durations. Our agents help clients determine appropriate coverage amounts based on family needs, mortgage obligations, and future financial goals while ensuring competitive pricing from top-rated carriers.
Business Owner Insurance
Our Business Owner Policies combine property and liability protection for small businesses. Coverage includes building damage, business interruption, liability claims, and equipment protection. We specialize in customized solutions for Pennsylvania businesses, including specialized coverage for contractors, emergency service organizations, and commercial vehicle fleets.
Health Insurance
We provide individual and group health insurance plans with comprehensive medical coverage. Our offerings include plans covering hospitalization, outpatient care, prescription medications, and preventive services. We help businesses and individuals navigate plan options to find cost-effective solutions that meet Pennsylvania's regulatory requirements and provide access to quality healthcare networks.
People
Robert Flick
Treasurer / Owner
With over 30 years of leadership experience, Robert Flick oversees financial operations and strategic direction at FWF Insurance. He brings deep expertise in commercial risk management and has helped grow the agency's municipal insurance portfolio significantly since joining in 1987.
Ron Flick
President / Owner
Ron Flick leads agency operations with 25+ years of insurance expertise. He specializes in business insurance solutions and has expanded the agency's commercial client base through innovative coverage programs tailored to Pennsylvania's unique business environments and regulatory requirements.
Stephen Flick
Auto, Home & Business Agent
Stephen Flick provides personalized insurance solutions for personal and commercial clients. With 15 years of experience, he specializes in matching clients with cost-effective coverage options while maintaining FWF's commitment to exceptional service quality and responsiveness.
Joanne Dudash
Commercial & Personal Lines Agent
Joanne Dudash serves clients with expertise in both personal and business insurance. She has developed specialized knowledge in municipal insurance programs and brings 20 years of experience helping Pennsylvania residents and organizations protect their assets through comprehensive coverage strategies.
Heather Morisi
Accident & Health Agent
Heather Morisi focuses on health and life insurance solutions. With a decade of experience, she helps individuals and businesses navigate complex health insurance markets, ensuring clients receive comprehensive coverage that meets their specific medical and financial needs.
Questions
What types of insurance does FWF Insurance offer?
We provide auto, home, life, health, and business insurance, including specialized coverage for classic cars, recreational vehicles, commercial properties, and emergency service organizations.
How can FWF Insurance help me save money?
By representing 15 major insurance companies, we compare multiple quotes to find your best rate. Our agents have secured up to 50% savings for clients switching from other providers.
Do you insure properties outside Johnstown?
We serve the entire tri-county area and surrounding Pennsylvania regions, with expertise in local risk factors affecting insurance needs across different communities.
What if I need insurance for a unique vehicle?
We offer specialized coverage for classic cars, motorcycles, off-road vehicles, and watercraft through niche insurance providers who understand these unique assets' protection needs.
How does FWF handle insurance claims?
We provide prompt, professional claims assistance with direct support from our experienced staff. Clients report receiving sincere, timely service during the claims process.
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