Business Details
29 Years
experience
Your Independent Insurance Advocates
Established in 1997 by Joseph P. Balboni, our agency has grown into one of the region's fastest-growing insurance firms. We prioritize honesty, fairness, and personalized service, treating every client's needs as if they were our own. As independent agents, we represent clientsnot insurance companiesselecting policies from financially sound carriers to meet unique requirements. Our process includes comprehensive analysis of insurance needs, designing tailored protection programs, and securing competitively priced proposals. We specialize in risk management strategies to reduce costs while maintaining coverage integrity.Our team handles claims promptly and confidentially, ensuring transparency and trust in all interactions. We advocate for clients across personal and commercial insurance sectors, offering expertise in auto, home, condominium, renters, and business property coverage. Our commitment to excellence drives us to review policies periodically, identify savings opportunities, and prevent coverage gaps. With decades of experience, we provide advocacy-focused insurance solutions that adapt to evolving client needs.
Services
Auto Insurance
Homeowners Insurance
Condominium Insurance
Renters Insurance
Commercial Property Insurance
Details
- Year established: 1997
Highlights and features
- We represent eight major auto carriers for comprehensive options
- Our team provides personalized policy reviews to prevent coverage gaps
- We offer risk management strategies to reduce insurance costs
- We handle claims with promptness and confidentiality
- Our independent agent status ensures unbiased carrier selection
Services
Auto Insurance
We provide comprehensive auto insurance solutions through eight major carriers, including Vermont, Safeco, and Arbella. Our policies offer coverage options like vanishing deductibles, accident forgiveness, and multi-car discounts. We help clients secure competitive rates while ensuring adequate protection for personal vehicles.
Homeowners Insurance
Our homeowners insurance covers property replacement costs, personal liability, and additional living expenses during repairs. We represent over 20 top-rated carriers to find policies that protect clients' largest personal assets while offering customizable coverage for jewelry, earthquakes, and other specific needs.
Condominium Insurance
We specialize in condominium insurance covering personal property, liability, and gap coverage between master policies and individual unit needs. Our experts help clients understand coverage boundaries while protecting their personal investments in shared properties.
Renters Insurance
Our renters insurance protects personal belongings and provides liability coverage for tenants. Policies cover clothing, furniture, and offer affordable protection against common risks while clarifying limitations regarding roommates and building coverage.
Commercial Property Insurance
We offer commercial property insurance covering business assets like equipment, inventory, and furniture. Our solutions include loss of income coverage to maintain operations during closures caused by covered events like fires or weather-related incidents.
People
Joseph P. Balboni
Founder
With over 25 years of experience, Joseph founded Clippership Insurance in 1997. He established our client-first philosophy, emphasizing honest representation and personalized insurance solutions that adapt to evolving needs.
Questions
What types of insurance do you offer?
We offer auto, homeowners, condominium, renters, and commercial property insurance solutions tailored to personal and business needs.
How do you help clients save money?
We analyze policies to identify discounts, prevent coverage gaps, and implement risk management strategies that reduce overall insurance costs.
Can you help with insurance claims?
Yes, we handle claims promptly and confidentially, advocating for clients throughout the resolution process.
Why use an independent agent?
As independent agents, we represent clients—not insurers—selecting policies from multiple carriers to find optimal coverage solutions.
Do you review existing policies?
Yes, we conduct comprehensive policy reviews to ensure coverage adequacy and identify opportunities for cost savings.
How are you different from direct insurers?
We advocate for clients by comparing options across multiple carriers rather than selling a single company's products.
