Business Details
24 Years
experience
Your Trusted Insurance Partner in Draper, Utah
PDR Insurance is a full-service insurance agency headquartered in Draper, Utah, serving businesses and individuals across Utah and the Wasatch Front. As an independent agency, we are not affiliated with any single insurer, allowing us to leverage a network of top-rated national carriers to secure optimal coverage and pricing for our clients. Our team specializes in tailoring insurance solutions to meet the unique needs of small business owners, offering a comprehensive suite of products including business insurance, health insurance, employee benefits, and HR/payroll coordination. With decades of combined experience, our brokers prioritize personalized service, proactive risk management, and cost-saving strategies.We pride ourselves on being a true one-stop shop, eliminating the need for multiple agents while simplifying complex insurance processes. Our commitment to client satisfaction is reflected in our free policy reviews, which frequently uncover gaps in coverage and improve cash flow efficiency. By maintaining direct communication channels with clients and prioritizing transparency, we ensure that businesses receive both expert guidance and reliable support tailored to their specific operational challenges.
Services
Business Insurance
Health Insurance
Employee Benefits
Workers Compensation
General Liability
Commercial Auto
Commercial Property
Commercial Umbrella
Inland Marine
Product Liability
Details
- Year established: 2002
Highlights and features
- We are an independent agency with access to multiple top-rated carriers for optimal coverage.
- Our team provides direct, phone-based support without automated call trees.
- Free policy reviews frequently uncover coverage gaps and improve cash flow.
- We offer unique programs like No-Deposit Workers Comp and Self-Funded health plans.
- Decades of experience serving small businesses as a one-stop insurance solution.
What people say
Saved over $6,000
Perfect fit for every situation
Seamless transition
Expert staff
Free policy reviews
Services
Business Insurance
Our business insurance solutions protect companies from operational risks through customizable policies. We offer liability coverage, property protection, and risk management strategies tailored to specific industries. Clients benefit from our independent status, which allows us to compare multiple carriers to find competitive pricing and comprehensive coverage options that adapt to evolving business needs.
Workers Compensation
We provide workers compensation insurance that covers medical expenses and lost wages for job-related injuries. Our unique Pay-As-You-Go plans help businesses manage cash flow while maintaining compliance. With expertise in construction and seasonal industries, we design policies that balance cost efficiency with complete employee protection and legal requirements.
Health Insurance
Our health insurance services include individual and group plans with access to top-rated networks. We assist clients in navigating ACA regulations, qualifying for subsidies, and selecting plans that balance premiums, deductibles, and coverage. Our team provides ongoing support for policy adjustments and claims management to ensure continuous healthcare access.
General Liability
General liability insurance safeguards businesses against third-party claims for property damage, bodily injury, and advertising errors. We help clients determine appropriate coverage limits based on industry risks and contractual requirements. Our policies include legal defense costs and medical payments coverage to protect businesses from financial exposure.
Commercial Auto
Commercial auto insurance covers business vehicles against accidents, theft, and damage. We offer customizable policies for single vehicles or fleets, including liability coverage, medical expense protection, and physical damage coverage. Our solutions ensure compliance with state regulations while minimizing financial risks associated with business transportation.
People
Johnie Tolman
Broker/Agent
Licensed insurance agent since 2008 with over 15 years in payroll/insurance industries. Co-owner of PDR Insurance since 2018, specializing in business insurance solutions. Holds a marketing communications degree from BYU and combines industry expertise with client-focused service.
Mark Benson
Broker/Agent
Co-owner and broker with 15+ years in insurance and prior experience running a landscape design company. Licensed since 2008, fluent in Spanish and Portuguese, and focuses on creating customized insurance programs for small businesses across various industries sectors.
Nicole Torgerson
Broker/Agent
Specializes in product liability insurance since 2015 with a Certified Insurance Counselor designation. Helps manufacturers and distributors meet contractual requirements while ensuring comprehensive coverage. Combines technical expertise with personalized client support to resolve complex insurance challenges efficiently.
Max Morgan
Customer Support Manager
Brings 25+ years of business experience including finance, banking, and commercial lending. Licensed property & casualty agent who focuses on delivering exceptional client service. Applies analytical skills from his MBA to help clients understand complex insurance products and risk management strategies.
Lori Henrie
Personal Lines Agent
13-year insurance industry veteran with prior experience owning Arby's restaurants. Specializes in personal insurance products including home, auto, and umbrella policies. Emphasizes customer service excellence and leverages business ownership experience to provide practical insurance solutions for individuals.
Questions
What types of business insurance do you offer?
We provide workers compensation, general liability, commercial auto, property, umbrella, inland marine, and product liability insurance tailored to specific business needs.
How do you help businesses save money on insurance?
As an independent agency, we compare multiple carriers to find competitive pricing. Our free policy reviews frequently identify coverage gaps and cost-saving opportunities for clients.
Do you offer specialized insurance programs for seasonal businesses?
Yes, we offer No-Deposit Pay-As-You-Go Workers Comp plans designed to help seasonal businesses manage cash flow during slow periods while maintaining necessary coverage.
Can you help with both business and personal insurance needs?
Yes, we offer comprehensive solutions for both business insurance (workers comp, liability, commercial auto) and personal insurance (home, auto, health) through our one-stop shop approach.
How do you handle employee benefits packages for businesses?
We specialize in designing group benefits packages, coordinating new hire orientations, and managing payroll deductions for companies with up to 250 employees.
What areas do you serve?
While based in Draper, Utah, we serve businesses and individuals throughout Utah and the Wasatch Front region with customized insurance solutions.
