Business Details
43 Years
experience
Emergency
services
Your Trusted Partner for Comprehensive Insurance Solutions
Intra-State Insurance Agency has been a trusted name in the insurance industry since 1983, serving clients across nine states with a commitment to comprehensive, affordable coverage. As a family-owned business spanning three generations, we bring over 190 years of combined experience to every client interaction. Our team of seasoned advisors partners with 12 major insurance carriers to offer 85+ policies tailored to business, employee benefits, and personal insurance needs.We prioritize client relationships over transactions, ensuring personalized service that reflects our founding principles of integrity and community focus. Our expertise extends to specialized coverage solutions for contractors, churches, and businesses of all sizes, backed by a proven track record of claims advocacy and risk management guidance.
Services
Business Insurance
Employee Benefits
Personal Insurance
Contractor Insurance
Church Insurance
General Liability
Commercial Umbrella
Workers Compensation
Details
- Year established: 1983
Highlights and features
- Three generations of family-owned insurance expertise since 1983
- Over 190 years of combined industry experience across our team
- Partnership with 12 major insurance carriers for optimal coverage options
- Client-first approach with personalized policy recommendations
- Specialized insurance solutions for contractors, churches, and businesses
What people say
Best customer service ever
Knowledgeable and helpful
Saved hundreds of dollars
Phenomenal team
Professional and courteous
Services
Business Owners Insurance
A comprehensive solution combining property and liability coverage tailored for businesses. This policy protects against risks like property damage, bodily injury claims, and business interruption. Our advisors customize coverage limits and endorsements to match specific industry needs while offering cost savings compared to separate policies.
General Liability Insurance
Essential protection against third-party claims for bodily injury, property damage, and personal injury. Required for most business leases and contracts, this coverage pays for legal defense costs and settlements up to policy limits, helping safeguard your business assets.
Commercial Umbrella Insurance
Supplemental coverage that activates when primary liability limits are exhausted. Provides additional protection up to $10 million for catastrophic losses, covering gaps between standard policy limits and actual liability exposure while maintaining cost-effectiveness.
Contractor Insurance
Specialized policies addressing construction industry risks including equipment damage, job site injuries, and liability claims. Combines general liability, workers' compensation, and tools coverage with optional endorsements for unique exposures like hold harmless agreements and additional insured requirements.
Church Insurance
Tailored protection for houses of worship covering property damage (including stained glass), liability claims, clergy abuse coverage, and specialized risks. Includes directors & officers liability, abuse & molestation insurance, and religious freedom protection to address unique ministry exposures.
People
Ryan Fitzer
President
Third-generation leader with deep roots in the insurance industry, Ryan oversees agency operations and strategic direction while maintaining active client relationships. He continues the family legacy of integrity-focused service established in 1983.
Jamie Whittle
Office Manager
Managing day-to-day operations with 20+ years of insurance experience, Jamie ensures seamless client service delivery and coordinates the agency's administrative functions with precision and attention to detail.
Kathleen Edman
Commercial Lines CSR
Specializing in commercial insurance solutions, Kathleen leverages her expertise to develop customized risk management strategies for business clients while maintaining a focus on personalized service and policy optimization.
Questions
What types of insurance do you offer?
We provide business insurance (BOP, liability, umbrella), employee benefits (health, dental, vision), personal insurance (auto, home, life), and specialized coverage for contractors and churches.
Do you serve clients outside West Virginia?
Yes, we're licensed in WV, OH, PA, MD, NC, SC, and VA, with capabilities to expand coverage to additional states as needed.
How do you help clients choose the right policy?
Our advisors conduct detailed risk assessments and leverage 190+ years of combined experience to recommend customized solutions matching your specific needs.
What sets you apart from other agencies?
As a three-generation family business, we combine personalized service with access to 12 major carriers, ensuring optimal coverage at competitive rates.
Do you offer 24/7 claims support?
Yes, our 24/7 Client Center provides immediate access to claims filing assistance, policy changes, and emergency service requests.
