Every insurance company has different underwriting guidelines, coverage options and pricing. Because Schramm, Tingen & Associates is an independent insurance agency, we are able to work with multiple insurance companies rather than representing only one carrier.

That can be particularly important for commercial insurance. A business that is attractive to one insurance company may not fit another company's underwriting appetite. We can help evaluate available options and determine which markets may be appropriate for your particular operation.

Our agency also works with specialty insurance markets for businesses that may not fit traditional insurance programs.