About

A lizard, a caveman, and a customer seeking insurance walk into a bar…

Sounds like the start to a hilarious joke, until the insurance you thought you were paying less for ends up costing you twice as much. For real.

We get it. The latest trend in insurance is to take out the middle man, go online and self-select the type of insurance you need. Sounds so simple a caveman could do it, right? Not quite.

True protection begins with true insight, and there isn’t an insurance mascot in the world that will convince us otherwise. We start with detailed discussions of your needs. We talk about assets, location, mitigating factors, areas of exposure and much more. We look at your specific business, because the insurance needs of a beauty sale are different from a sawmill.

Too many insurance companies undersell the complexity of insurance, ask too few questions of their clients and deliver coverage with considerable gaps. PayneWest won’t provide insurance gimmicks, but we will provide independent- guidance to avoid pitfalls and ensure protection for your business, your possessions, and your family.

Local Knowledge

Our office location: pretty much anywhere you need to talk. (Except for maybe the gym sauna, because that could get awkward.)

Every region of the country has unique factors. Florida has hurricanes, Montana has snow (lots and lots of snow). Others factors are a bit more obscure, like laws governing benefits, workers’ compensation, and mandatory liability coverage. And unless you’ve written dozens of timber-related policies, you’re very likely to overlook an area or two when it comes to coverage.

Luckily, you don’t have to be the expert. PayneWest helps clients select the right coverage for their industries, taking in to account regulations and unique risks specific to your area. We quite literally get where you’re coming from because we live there too, and we’ve made a science out of identifying the risks, so you don’t have to.

Use the Find An Agent button to find a PayneWest agent who might (quite literally) be your neighbor.

Choice and Value

There are hundreds of insurance plans, but only the right one matters.

Hey, we’re all about the deal. But if it’s in the bargain bin, there’s usually a reason.

Anyone can throw money at insurance that covers every risk possible. It’s equally easy to convince yourself that the bargain coverage you bought is just what you need, only to find out later that it isn’t.

Here’s the good news: It isn’t your job to become well-versed in every plan out there. It’s ours.

• Relationships matter to us, and unlike your best friend’s most recent tinder date, we’re not afraid of commitment. Understanding your insurance needs starts with understanding you, your business and your assets. Maintaining your trust also ensures ongoing dialog as lives and needs change.
• Want options? Then talk to an agent who actually has them. As independent agents, we’re not employed by an insurance company, we work for you. That means unlike direct insurance companies like State Farm® or Farmers®, you can choose from many different companies. We consider various policies so you get the insurance you need, not the insurance some company wants to sell you. Often times we’ll get multiple rates from various companies on your behalf while reading the fine print to find the right coverage at the right price.
• We advocate for clients to reduce risk and cost. And if clients file claims, we’re still there (and usually just down the street), helping to ensure a fair resolution. Because what good is a great plan without someone standing behind it?

Don’t overspend, but don’t settle for less coverage than you need. Let us help you get started.