Business Details
43 Years
experience
Emergency
services
Your Trusted Insurance Partner in Johnstown, PA
FWF Insurance has been serving the Johnstown, PA area since 1983, building on a legacy that traces back to 1910 through the merger of two established local agencies. Our team of eight dedicated professionals represents 15 major insurance carriers, offering comprehensive coverage solutions for personal, residential, commercial, and specialty insurance needs. With expertise in homeowners, auto, business, health, and life insurance, we specialize in protecting over 200 municipalities and fire companies alongside 2,000+ private clients across the tri-county region.Our agency combines generational knowledge with modern insurance practices, maintaining deep community ties while staying current with industry developments. We prioritize personalized service, competitive pricing, and prompt claims resolution, as evidenced by client testimonials highlighting significant cost savings and exceptional customer care. Our leadership team includes third-generation insurance professionals who continue evolving our offerings to meet changing client needs while maintaining our founding commitment to integrity and community service.
Services
Home Insurance
Auto Insurance
Business Insurance
Health Insurance
Life Insurance
Umbrella Insurance
Commercial Property
Motorcycle Insurance
Recreational Vehicles
Flood Insurance
Details
- Year established: 1983
Highlights and features
- We offer over 40 years of combined insurance expertise in the Johnstown community
- Our team represents 15 major insurance carriers for comprehensive coverage options
- We provide specialized insurance programs for municipalities and fire companies
- Our agency maintains a proven track record of cost savings for policyholders
- We deliver personalized service with prompt claims resolution and support
What people say
Cost savings
Prompt claims resolution
Personalized service
Local expertise
Competitive rates
Services
Home Insurance
Protect your home and personal belongings against damages from common perils. Our policies offer customizable coverage options for homeowners, renters, and condo owners. We provide specialized flood insurance and tailored protection plans that meet specific needs while maintaining competitive pricing across the Johnstown area.
Business Insurance
Comprehensive coverage solutions for businesses of all sizes, including general liability, commercial property, and workers compensation insurance. Our specialized contractor insurance programs protect local tradespeople while commercial umbrella policies provide additional liability coverage. We serve over 200 municipalities and fire companies with customized risk management strategies.
Auto Insurance
Coverage options for standard vehicles, classic cars, motorcycles, and recreational vehicles. Our policies include liability protection, collision coverage, and uninsured motorist protection. We specialize in finding cost-effective solutions that maintain comprehensive protection while helping clients save money through competitive rate comparisons across multiple carriers.
Life Insurance
Personalized life insurance solutions that provide financial protection for loved ones. Our offerings include term life policies and permanent coverage options. We help clients understand policy features, benefits, and riders to create customized protection plans that align with their family's long-term financial needs and estate planning goals.
Health Insurance
Flexible health insurance options for individuals and businesses, including vision and dental coverage. Our agents help navigate complex insurance markets to find affordable plans that meet specific healthcare needs. We provide guidance on policy selection, network options, and coverage limitations to ensure clients understand their medical protection benefits.
People
Robert Flick
Treasurer / Owner
Third-generation insurance professional with decades of experience in municipal and commercial insurance. Oversees financial operations and maintains long-standing relationships with local government clients.
Ron Flick
President / Owner
Co-owner managing agency operations and strategic direction. Brings extensive knowledge of commercial insurance products and local business needs to policy development.
Stephen Flick
Insurance Agent
Specializes in personal and business insurance solutions. Provides tailored coverage recommendations for homeowners, auto owners, and small business clients in the Johnstown area.
Rehana Boswell
Commercial & Personal Lines Agent
Experienced agent handling both business and individual insurance needs. Focuses on finding cost-effective coverage solutions while maintaining personalized client service.
Heather Morisi
Accident & Health Insurance Specialist
Dedicated health insurance expert assisting clients with individual and group policy selections. Provides clear explanations of coverage options and healthcare marketplace navigation.
Questions
What types of insurance does FWF Insurance offer?
We provide home, auto, business, health, life, umbrella, commercial property, motorcycle, recreational vehicle, and watercraft insurance policies tailored to individual and organizational needs.
How can FWF Insurance help save money on policies?
By representing 15 major insurance carriers, we compare multiple options to find customized coverage at competitive rates while maintaining quality protection.
Do you offer specialized insurance for local businesses?
Yes, we provide contractor insurance, general liability coverage, and workers compensation policies specifically designed for Pennsylvania businesses and municipalities.
What emergency insurance services are available?
Our agents provide after-hours emergency support for urgent insurance needs through our dedicated emergency contact line.
How does FWF Insurance handle claims?
We prioritize prompt, compassionate claims resolution with direct agent support throughout the process to ensure timely and fair outcomes.
Can I get insurance for classic or specialty vehicles?
Yes, we offer specialized coverage for classic cars, motorcycles, off-road vehicles, and watercraft through tailored insurance programs.
Videos
