Business Details
36 Years
experience
Your Trusted Independent Insurance Agency in Gig Harbor, WA
Established in 1990, our agency has dedicated itself to providing personalized insurance solutions for families and businesses across Washington state. We pride ourselves on treating clients like family, offering clear guidance through complex insurance decisions while maintaining a warm, patient approach. Our team's decades of combined experience ensure clients receive tailored coverage that aligns with their unique needs. As an independent agency, we partner with top-rated insurers to secure competitive rates without compromising on protection quality. Our commitment to excellence extends to prompt service delivery, with most quotes completed in minutes through our streamlined process. We specialize in both personal and commercial insurance, offering comprehensive coverage options including auto, home, business owners policies, and specialty liability protections.Our physical presence in Gig Harbor, coupled with digital accessibility, allows us to serve clients throughout Pierce County and beyond. Client testimonials consistently highlight our responsiveness, expertise in navigating policy details, and ability to maintain continuous coverage during life transitions. We maintain transparency in all communications, ensuring no hidden fees or confusing policy language. Our dedication to community extends beyond insurance, as demonstrated by our public support for humanitarian causes.
Services
Auto Insurance
Home Insurance
Business Insurance
Life Insurance
Flood Insurance
Commercial Auto
General Liability
Contractors Insurance
Umbrella Insurance
Rental Property Insurance
Details
- Year established: 1990
Highlights and features
- We offer 35+ years of local insurance expertise
- Our team provides personalized policy explanations
- We maintain 24/7 client communication availability
- We partner with multiple top-rated insurers
- Our agency specializes in complex coverage transitions
What people say
Best insurance agent
Quick to answer
Secure policies
Competent and thorough
Saves time
Services
Auto Insurance
We provide comprehensive auto insurance coverage tailored to individual driving needs and vehicle types. Our policies protect against liability, collision, and uninsured motorists while offering flexible options for classic cars, motorcycles, and commercial vehicles. With access to multiple carriers, we help clients secure competitive rates while ensuring adequate protection for their automotive assets.
Business Insurance
Our commercial insurance solutions protect businesses with customized coverage including general liability, property protection, and workers' compensation. We specialize in business owners policies, contractors insurance, and industry-specific protections for sectors ranging from construction to technology services. Our risk management approach ensures businesses maintain continuous operations during unexpected events.
Home Insurance
We offer residential insurance policies covering homes, condos, and rental properties against common risks including fire, theft, and natural disasters. Our coverage options include standard homeowners insurance, flood protection, and specialized policies for mobile homes and vacation rentals. We help clients understand replacement costs and ensure adequate structural and personal property protections.
Life Insurance
Our life insurance solutions provide financial security for families through term, whole, and universal life policies. We help clients determine appropriate coverage amounts based on income replacement needs, mortgage protection requirements, and future education costs. Our independent status allows comparison of multiple carriers' offerings to find optimal premium-to-coverage ratios.
Flood Insurance
We offer specialized flood insurance policies through the National Flood Insurance Program and private carriers. Our experts assess property risk levels based on FEMA flood maps and help clients understand coverage limitations for different water-related damages. We provide guidance on policy enhancements for properties in high-risk zones while maintaining competitive pricing options.
People
Michael J Clifford
Owner
With over 35 years of insurance experience, Michael J Clifford leads our agency's commitment to personalized client service. He specializes in complex policy transitions and commercial risk management, maintaining direct client relationships while overseeing team operations. His expertise in matching coverage to evolving client needs has earned consistent industry recognition.
Questions
What types of insurance do you offer?
We provide personal insurance (auto, home, life) and commercial coverage (BOP, liability, contractors insurance) with specialty options for unique risks like flood protection and event liability.
How do you help secure the best rates?
As an independent agency, we compare multiple carriers' offerings to find optimal coverage-to-price ratios while leveraging our long-standing industry relationships for exclusive discounts.
Can you help with business insurance needs?
Yes, we specialize in commercial policies including general liability, property insurance, and workers' compensation with tailored solutions for construction, technology, and hospitality industries.
How quickly can I get an insurance quote?
Most personal insurance quotes complete within minutes via phone consultation, with commercial quotes typically processed within one business day depending on complexity.
Do you offer online policy management?
While we prioritize direct communication, we provide online tools for policy document access, payment processing, and certificate requests through our secure client portal.
Reviews (7)
Ed Deegan
Nov 06, 2021
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Positive:Professionalism,Quality,Responsiveness,Value
Mike and Char worked with me on new Auto and Homeowners policies on short notice, this process was clear and fast. Thanks.
Mike and Char worked with me on new Auto and Homeowners policies on short notice, this process was clear and fast. Thanks.
Andrew Fitch
Oct 27, 2021
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Positive:Professionalism,Responsiveness,Value
Michael got back to me with the quote and was able to get my home and auto policies in place for my family, while we were relocating from a different state. He took the worry and concern away and made the whole move a lot less stressful knowing that my family was protected.
Michael got back to me with the quote and was able to get my home and auto policies in place for my family, while we were relocating from a different state. He took the worry and concern away and made the whole move a lot less stressful knowing that my family was protected.
Paul Goebel
Sep 21, 2021
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Positive:Professionalism,Quality,Responsiveness
There is just no substitute for having the advice of an experienced expert. I had very good service and advice.
There is just no substitute for having the advice of an experienced expert. I had very good service and advice.
Fischer Gallinger
Sep 05, 2021
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Positive:Professionalism,Quality,Responsiveness
Great guy and would recommend his services to anyone!
Great guy and would recommend his services to anyone!
Rebecca Knowlden
Jul 28, 2021
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Positive:Professionalism,Responsiveness
Mike and his team are great! They are quick to respond and very helpful. Thanks Mike!
Rebecca
Mike and his team are great! They are quick to respond and very helpful. Thanks Mike!
Rebecca
Peggy Field
Jun 23, 2021
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Positive:Quality,Responsiveness
I have worked with Mike for over 20 years. Always have had good service
I have worked with Mike for over 20 years. Always have had good service
Jim Smith
May 01, 2021
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I contacted Mike in the middle of doing a deal on a on a collector vehicle a while back. Within a short amount of time he had several quotes for me. I was able to complete the purchase and drive the vehicle without interruption to my insurance coverage. He is always available to help with quotes, answer questions or make suggestions on insuring my 4 vehicles and homeowners insurance
