December 8, 2019

What We Do


Carver and Associates has been servicing your insurance needs for years. We are built on the principles of providing superior customer service and quality insurance solutions for our customers. As an independent agent, we work with select insurance companies that have proven their performance over the years.

We are dedicated to getting you the best insurance products and services available today to protect you, your family, and your business.


Personal Insurance

  • Auto
  • Home
  • Renters
  • Umbrella
  • Watercraft
  • Motorhomes
  • Scheduled Property (Inland Marine)
  • Motorcycle

Commercial Insurance

  • Property
  • General Liability
  • Workers Compensation
  • Professional Liabiltity
  • Contractors’ Equipment
  • Directors and Officers Liability

Primary Services

Insurance Brokerage—
Carver and Associates designs and markets insurance programs custom-made for you. We find the best level of protection available that meets your needs while maximizing your savings.

Exposure and Insurance Program Analysis—
Carver wants to create a program that is appropriate to you. That's why we measure and analyze your exposure to loss, risk management philosophy, and risk tolerance before making sure you have the exact coverage you need.

Program Marketing and Negotiations—
Carver takes a structured approach to marketing your insurance program with comprehensive bid specifications, underwriting schedules, formal market selections, comparative product evaluations, and effective representation and market negotiations.

Specialized Services

Formal Risk Management Consulting—Carver and Associates can implement systems that will better control and assess your effectiveness and give in-house risk managers tools to administer and monitor existing risk financing and management programs.

Safety and Loss Control Programs—We can help you develop, evaluate and implement formal safety and loss control programs within your organization.

Formal Market Bidding—Carver’s network of outside brokers can work with you on a fee-based consultation to create a structured, analytical and comprehensive bidding process.

Claims Management—Carver can maximize your time and returns by providing ongoing claims audits and reviews with insurers.

Workers Compensation Coverage Design & Analysis—Our experienced staff can provide technical analysis of Guaranteed Cost, Retrospectively Rated, Large Deductible, or Dividend Plans along with detailed Experience Modification analysis and projections.