Welcome to Westbrook Insurance Services
Westbrook Insurance Services is your home for all of your insurance needs. We help people just like you in Scottsdale with a wide variety of insurance questions and challenges.
Having personal insurance is important – it gives you peace of mind knowing your property is protected from all kinds of risks and is an important part of your family’s financial plan.
At Westbrook Insurance Services, we offer many different personal and commercial insurance products, and we will work closely with you to find the right policy for your needs. Let us show you the difference it makes having an agent who understands your needs and asks the right questions to get you the discounts you deserve.
Westbrook Solves Your Personal Insurance Needs
We can help you with all of your personal insurance needs.
Personal Auto
Your auto insurance is a critical part of your personal insurance plan. Most states, Arizona included, require you to carry basic limits of personal auto coverage. This protects you and other drivers on the road.
State minimum limits in Arizona are:
- Property damage liability coverage: $15,000
- Bodily injury liability coverage: $25,000 per person / $50,000 per accident
- Uninsured and underinsured motorist bodily injury coverage: $25,000 per person / $50,000 per accident
These limits may not be adequate for your needs, so we will ask questions to help you find the right limits for you. Westbrook Insurance Services works with the top carriers in the country, so we can help find the best coverage for your situation.
Homeowners
Your home is one of the largest purchases you will ever make, so it is important to have proper insurance coverage in place to protect your investment. Working with Westbrook Insurance Services makes it easy – we will do the legwork to help you find the right homeowner’s policy.
We will ask you questions about your lienholder, the location of your home, and any additional possessions you have that we should list separately – antiques, jewelry, coin collections, golf clubs, and artwork are some examples of items you might need extra insurance for.
Renters
Renters insurance is vital if you are renting or leasing your home. Do not rely on your landlord or apartment manager to have the right coverage for you. While they may offer a basic policy, their policy is designed to cover liability to them, not your belongings. You may be better off securing your own policy in addition to any minimal liability policy offered by your property management office.
Condo
Purchasing a condo or co-op is an exciting investment. Insurance coverage differs slightly from owning a private home because you will have two policies. One policy is to protect your interests – your personal property, the inside of your unit, and any structural upgrades you make to your unit. The second policy is to cover your interests in the shared property of the condo or co-op – lobbies, elevators, gyms, pools, business centers, walking paths, parking areas, and clubhouses.
Condos create an interesting mix of risks due to their blend of shared and private spaces. We can help you understand your risks and how to protect yourself when buying your condo or co-op.
Watercraft
Is your boat insured? It is an easy-to-overlook coverage but if you own a boat, jetski, or other watercraft, make sure you have insurance for it. A day at the lake would easily be ruined if you sustained damage to your boat or caused someone’s injury.
Motorcycle
Our desert roads are great for touring on your motorcycle, but there are many risks with riding your bike. Having the right motorcycle coverage for things like property damage and liability is important. Let us show you how to get the most in discounts for your motorcycle coverage, like combining it with your auto or homeowners with the same carrier or showing you which motorcycle safety course to take to get a discount. Not all insurance carriers cover motorcycles, but we will help you find the right carrier.
ATV/UTV
Do not forget your ATV and UTV! Unexpected things happen all the time, and your all-terrain and utility terrain vehicles are important to your work and play. You rely on your vehicles, and in turn, can rely on us to help you find the right insurance policy for them.
Camper/Trailer/RV
Arizona has some of the best camping and recreation areas in the country, and we are not just saying that because we live here! It is a great place to enjoy beautiful vistas and desert views. Whether you are checking out Red Rock or Flagstaff, your camper, trailer, and RV need proper insurance coverage.
Umbrella
An umbrella policy is helpful for many people. It acts as an extra layer of protection above your other policies and kicks in if those policies are not enough. You can buy an umbrella policy for personal or commercial insurance protection.
Flood
Flood insurance can be a lifesaver – depending on where you live; your mortgage company may require you to have it. Flood coverage is backed by the federal government through the National Flood Insurance Program and underwritten by select private insurers. We can talk to you about your flood risk and help you find an insurer to write flood coverage for you.
Westbrook Writes Commercial Policies, too
BOP/Commercial General Liability
Your business needs the right coverage, too. A Commercial General Liability or Business Owner’s Policy (BOP) may be right for you. They have some coverage differences, but each policy has its merits. We will walk talk about your business with you and help you decide which coverages are necessary for your business.
- Apartment Building
- Commercial Auto
- Builder / Contractor General Liability
- Builders Risk
- Business
- Commercial Umbrella
- Cyber / Data Breach
- Employment Practices Liability
- Garage Owners
- General Liability
- Liquor Liability
- Lessors Risk
- Miscellaneous Commercial
- Professional Liability
- Property
- Real Estate Development
- Restaurant
Workers Comp
If you have employees, you likely need to carry Workers Compensation. This protects you and your employees from occupational diseases and accidents. It covers the lost time, medical care, and rehabilitation for the injured employee. Regardless of whether you have a CGL or BOP, Workers Comp is sold as a separate policy, not part of your package.
Insurance is specialized and important for your personal and business life. Let us take the complexities out of it and help you find the right mix of coverages. We will work with you individually to learn more about your needs and risk tolerance and put together a thorough quote.
Westbrook Insurance Services works with you every step of the way to ask questions and explain your options. Reach out today for your no-obligation quote, and let us start helping you! We are ready to serve you!
