As an independent brokerage, Veronica Hicks Insurance Agency compares options across more than 60 A-rated carriers to find coverage that fits — not coverage that simply happens to be available.
Personal lines insurance covers the people and property that matter most in your everyday life. Veronica Hicks Insurance Agency helps you understand your options and compare them across multiple carriers — so recommendations are based on fit, not availability.
Coverage for your home's structure, personal belongings, and personal liability. Options range from standard to high-value homes and include coverage for additional structures, loss of use, and more.
Coverage for vehicles including liability, collision, comprehensive, uninsured/underinsured motorist, and more. Options for single vehicles and multi-vehicle households.
Protects personal belongings and provides personal liability coverage for renters. Often more affordable than many expect, and available to tenants in apartments, homes, and condos.
Provides additional liability coverage above the limits of your existing home and auto policies. An umbrella policy can help protect your assets if a covered claim exceeds your underlying policy limits.
Coverage for boats, personal watercraft, and marine property. Options vary by vessel type, size, usage, and location — an independent review helps ensure coverage matches actual exposure.
Specialty and supplemental personal lines coverage including RV insurance, motorcycle coverage, inland marine, and coverage for high-value personal articles such as jewelry, art, or collectibles.
From sole proprietors to growing companies, Veronica Hicks Insurance Agency helps business owners understand their coverage exposures and compare commercial options across appropriate carriers.
Protects against bodily injury and property damage claims arising from your business operations, products, or completed work. A foundational coverage for most businesses.
Covers your business's physical assets — buildings, equipment, inventory, and other property — against losses from fire, theft, vandalism, and certain other covered perils.
Required in most states for businesses with employees. Covers medical expenses and lost wages for employees injured on the job, and protects employers from most related lawsuits.
Coverage for vehicles owned or used by your business. Includes liability, physical damage, and options for hired and non-owned auto exposure — important even for businesses without a dedicated fleet.
Errors and omissions coverage for businesses that provide professional services or advice. Protects against claims of negligence, errors, or failures in the services you deliver.
Coverage for data breaches, cyberattacks, and associated legal, notification, and recovery costs. Increasingly important as businesses of all sizes rely on digital systems and store customer data.
Carrier-captive agents can only offer products from one company. Veronica Hicks Insurance Agency's independence means coverage options come from 60+ A-rated carriers — with no financial incentive to favor one over another.
Sixty-plus carriers means coverage recommendations aren't constrained by a single company's products, rates, or underwriting appetite.
Guidance is centered on your needs, life stage, and risk profile — not a carrier's sales quota or the products a captive agent is required to sell.
As your life or business changes, coverage should adapt. Independent brokers can review options across multiple carriers at renewal instead of defaulting to the incumbent.
Veronica Hicks Insurance Agency represents A-rated carriers — financially stable companies rated by independent agencies for their claims-paying ability and overall strength.
No obligation. No sales pressure. A clear conversation about the property and casualty coverage options available for your situation.