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Duncan & Associates Insurance Brokers Inc

Learn more about our agency.

Switching your insurance and getting better rates and coverage should be easy. With us, it is. Since 1968, Duncan & Associates Insurance Brokers has been putting the best interests of our clients first while providing dependable and trustworthy service.

With three local offices in Washington state, we have since expanded to offer our insurance services and solutions nationwide. Our mission for putting our clients first and providing a personalized, local touch still remains.

If you are looking for better coverage, better rates, and insurance that fits your needs, our agency is here to help. We make switching 100% hassle-free, and we’ll be with you every step of the way, from the insurance shopping process to loss control and claim services.

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  Get Your Insurance Quote

As an independent agency, we are here to help you find the right coverage.

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Nationwide Service

We are proud to offer our insurance services and solutions throughout the United States with a local touch.

Clients Come First

We take a client-first approach to insurance and go the extra mile to exceed your expectations, no matter what you need.

Experienced Agents

With extensive experience, we understand what it takes to bring you quality coverage and work with a variety of companies to best serve you.

The Solution To Your Insurance Needs

Providing a variety of personal insurance, business insurance, and employee benefits solutions is what Duncan & Associates Insurance Brokers Inc does best.

Shellfish Farm Insurance

We offer specialized shellfish farm insurance solutions to protect them from the unique risks associated with shellfish farming. We understand the industry well and know what it takes to best protect your business, with programs available in all 50 states.

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Choice

Get the power of choice when it comes to finding the right insurance for your situation. We offer a wide variety of policies and price points to choose from.

Expertise

Rely on us to simplify the insurance process, from advising you on your risks and solutions, to advocating on your behalf to the insurance company.

Service

Count on us to be there for you every step of the way with personable and professional service so you always have the right coverage for your insurance needs.

The Advantage of an Independent Agency Working for You

What makes our independent agency different?

  • We represent multiple insurance companies.
  • We are licensed insurance advisors.
  • We are by your side every step of the way.
  • We offer a wide variety of insurance solutions.
  • We are there for you in your time of need.
Find Out How

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Duncan & Associates Insurance Brokers Inc + IAOA

Our partnership with IAOA has enabled us to provide innovative services and solutions to our clients.

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Top-Rated Agency

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Get a glimpse of the risks you face and how your insurance can protect what matters most.

Auto

Bodily Injury Liability Coverage

Risk Factor

It’s easy to get distracted while driving. All it takes is an incoming text message, a fussy baby, or changing the radio station and your eyes are off the road long enough to crash into the slowing vehicle in front of you. As an owner/operator of the vehicle, you may be held financially responsible for any bodily injuries caused as a result of the accident.

Solution

Bodily injury liability covers your legal liability for a covered accident that involves injury to another person, up to the limit of liability you select. Purchase enough coverage to protect your assets should a claim be brought against you or if you are sued. You should also consider purchasing an excess liability policy which may provide additional limits of liability.

Property Damage Coverage

Risk Factor

When involved in an auto accident, you and your family may be financially responsible for any damage caused by your vehicle to someone else’s property. Usually this means damage to someone else’s car, but it can really be any property damaged by your vehicle.

Solution

Property damage coverage protects you if your car damages someone else's property, such as another car, a fence, or building front. When choosing your property damage liability limits, you should consider all of your assets, including your home and future earnings because if you don't have enough coverage to protect all of your assets, those assets could be at risk if you're liable for damages that exceed your coverage limit. Consider having a higher limit of liability coverage – it may help you avoid having to pay out-of-pocket after an at-fault accident.

Medical Payments Coverage

Risk Factor

Depending on the severity of the injuries suffered in an automobile accident, whether caused by you or by the other vehicle, it’s not uncommon for healthcare costs to run into the thousands of dollars, with a large portion being out-of-pocket expenses not covered by your health care plan.

Solution

Medical payments coverage can help cover all reasonable medical expenses and funeral expenses of covered drivers and passengers after an accident, regardless of fault. In most states, it's an optional addition to your car insurance policy.

Uninsured / Underinsured Motorist Damage Coverage

Risk Factor

What happens when the driver who hit you doesn't have enough liability coverage? Or, even worse, takes off? According to the Insurance Research Council, this happens more than you might expect. In fact, it is estimated that one in seven drivers go uninsured, leaving you to pay out-of-pocket for damages and medical expenses not covered by the other driver.

Solution

Uninsured/underinsured motorist damage coverage may compensate you for bodily injury and lost wages caused by an uninsured motorist, a hit-and-run driver, a driver whose automobile insurance company is insolvent, or a driver who has not purchased enough coverage to pay for damages.

Physical Damage Coverage

Risk Factor

Your automobile can be a fairly costly investment – one that is exposed to many potential losses caused by weather related events, theft, and other circumstances that may be out of your control.

Solution

Physical damage coverage can protect your vehicle if it is damaged in an accident (collision coverage), is damaged by something other than a collision (comprehensive coverage) with a vehicle or object or if your vehicle is stolen. This coverage is optional if your vehicle is paid in full, but it is coverage you should consider if you want to fully protect your vehicle.

Transportation Expenses / Rental Coverage

Risk Factor

When your vehicle is being repaired or replaced due to a covered loss, you may have to rent a vehicle to get you to and from your daily responsibilities without any interruption. Vehicle rental can get expensive, especially over an extended period of time.

Solution

Transportation expenses/rental coverage is an inexpensive option you can add to your auto insurance policy to pay for the cost to rent a temporary replacement vehicle or the cost of public or private transportation if your vehicle is ever in an accident. This coverage is available in a variety of daily limits.

Auto Insurance 101

Make sure you cover the unique risks you face with auto insurance.

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As an independent agency, we are here to help you find the right coverage.

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