Business Details
50+ Years
experience
Trusted Insurance Solutions in Westerly, RI
Louis Panciera has been dedicated to serving the insurance needs of Rhode Island and Connecticut communities since 1934. Our full-service agency combines decades of industry experience with personalized service to deliver quality insurance products tailored to individual and business requirements. We maintain a team of highly trained professionals who specialize in assessing client needs and implementing coverage solutions through partnerships with top-rated carriers.Our commitment extends beyond policy sales to include ongoing risk management guidance and responsive claims support. Through continuous market research and product development, we ensure our clients receive competitive pricing and comprehensive protection across personal and commercial lines. This long-standing local presence demonstrates our dedication to building trusted relationships and delivering reliable insurance expertise to every client we serve.
Services
Auto Insurance
Homeowners Insurance
Contractor Liability
Workers Compensation
Commercial Insurance
Life Insurance
Flood Insurance
Umbrella Insurance
Annuities
Disability Coverage
Details
- Year established: 1934
Highlights and features
- We offer over 90 years of combined insurance expertise through our experienced team
- Our personalized policy recommendations match individual risk profiles and budget needs
- We represent multiple top-rated insurance carriers for comprehensive coverage options
- Our local knowledge supports tailored insurance solutions for Rhode Island and Connecticut residents
- We provide ongoing policy reviews to ensure continued coverage adequacy and cost efficiency
Services
Auto Insurance
Auto insurance protects vehicles against financial loss from accidents, theft, or natural disasters. We offer policies that meet state minimum requirements while providing additional protection options. Our clients receive competitive rates through partnerships with multiple carriers while maintaining personalized service and claims support.
Homeowners Insurance
Homeowners insurance safeguards one's largest asset by covering structural damage, personal possessions, and liability claims. Our policies protect against common perils like fire, theft, and weather-related incidents. We help clients customize coverage limits and endorsements to match their specific property needs and risk exposure.
Contractor Liability Insurance
Contractor liability insurance protects service professionals against claims related to property damage or bodily injury during operations. We provide specialized policies for plumbers, electricians, carpenters, and other tradespeople. Our team helps contractors select appropriate coverage limits and policy add-ons based on their specific trade risks.
Workers Compensation
Workers' compensation insurance covers job-related injuries and illnesses by providing medical care and wage replacement benefits. We help businesses comply with state requirements while managing workplace injury risks. Our commercial clients receive tailored policies that match their industry-specific exposure levels.
Commercial Insurance
Commercial insurance bundles property, liability, and specialized coverage options for businesses. Our policies protect against common risks including property damage, customer injuries, and business interruption. We develop customized insurance solutions that match each client's industry needs, size, and operational risks.
People
Nicholas J. Fusaro
President & CEO
Nicholas brings 18 years of insurance experience, holding a B.S. in Business Management. He specializes in commercial and personal lines, maintains multiple industry designations, and previously served on the Westerly-Pawcatuck Chamber of Commerce board.
Michael D. Gervasini
Vice President
Michael contributes 11 years of expertise, focusing on client relationships and local community engagement. Licensed in Rhode Island and Connecticut, he combines technical knowledge with personalized service to deliver tailored insurance solutions for business and personal needs.
Samuel K. McQuiggan
Assistant Vice President
Samuel specializes in personal lines, managing high net worth portfolios previously. He holds multiple insurance designations and contributes to community youth programs as Director of Concessions and Hospitality for Stonington Little League.
Timothy J. Watrous
Account Representative
Timothy manages personal lines account operations with expertise in client service and financial management. As a licensed agent, he combines business systems knowledge with insurance experience to ensure smooth policy administration and client interactions.
Frederick J. Ferraro II
Insurance Professional
Fred brings 37 years of experience, specializing in financial products and insurance solutions. A multi-award winner in sales and quality achievements, he provides comprehensive life, health, and property insurance services to individual and business clients.
Questions
What insurance products does Louis Panciera offer?
We provide auto, home, life, and commercial insurance products including specialized coverage for contractors, workers' compensation, and umbrella policies.
How can I get an insurance quote?
Complete our online quote form or contact our office directly. Our team will help assess your needs and provide competitive pricing options.
What areas do you serve?
We primarily serve Rhode Island and Connecticut residents, with team members licensed in additional states to accommodate special requirements.
How do I file a claim?
Contact our office directly or use the claim submission information provided on our website to initiate the claims process.
Can I make policy changes through your agency?
Yes, we assist with policy modifications, endorsements, and renewal requests through our dedicated service team.
