Business Details
Independent Insurance Solutions in Edmond, OK
At JTP Insurance, we operate as an independent agency dedicated to serving our clients' best interests rather than those of insurance companies. Established to provide personalized insurance solutions, we represent multiple top-rated carriers to offer competitive pricing and comprehensive coverage options. Our team of licensed professionals specializes in both personal and commercial insurance, serving clients across Oklahoma with expertise in auto, home, business, and specialty policies.We prioritize client education, transparent evaluations, and tailored risk management strategies to ensure optimal protection. With a commitment to integrity and community-focused service, we act as advocates during claims processes and strive to deliver exceptional value through our one-on-one client approach.
Services
Auto Insurance
Home Insurance
Business Owners Policy
Commercial Auto Insurance
Workers Compensation Insurance
Collector Car Insurance
Flood Insurance
Apartment Building Insurance
Builders Risk Insurance
Highlights and features
- We offer independent representation across multiple top-rated insurance carriers
- Our team provides personalized coverage assessments tailored to individual needs
- We serve clients across Oklahoma with localized insurance expertise
- We maintain transparent evaluation processes with no hidden fees
- Our licensed agents specialize in both personal and commercial insurance solutions
Services
Auto Insurance
We provide comprehensive auto insurance solutions including liability, collision, and comprehensive coverage options. Our services protect against vehicle damage, medical expenses, and third-party liabilities while offering specialized coverage for collector cars and commercial fleets. Our agents help clients understand deductible options and coverage limits to ensure appropriate protection.
Home Insurance
Our home insurance policies cover structural damage, personal property loss, and liability claims. We offer standard coverage for fire, theft, and weather-related damages while providing optional endorsements for flood, earthquake, and high-value item protection. Our agents help customize policies to match individual property risks and coverage needs.
Business Owners Policy
We offer tailored Business Owners Policies combining property, liability, and business interruption coverage. Our solutions protect small to medium businesses against property damage, operational liabilities, and income loss from covered events. We customize packages for specific industries while offering additional coverage options for equipment breakdown and commercial signage.
Commercial Auto Insurance
Our commercial auto insurance covers business vehicles for physical damage and liability beyond personal policy limits. We provide specialized coverage for company fleets, heavy equipment transportation, and employee-operated vehicles. Policies include liability protection, collision coverage, and medical payment options tailored to business operations and industry requirements.
Workers Compensation Insurance
We offer workers compensation insurance meeting Oklahoma legal requirements for employer liability protection. Our policies cover medical expenses and income replacement for workplace injuries regardless of fault. We help businesses implement safety programs to reduce claims and lower premium costs through proactive risk management strategies.
People
Johnathan Pannes
Owner/Risk Advisor
Johnathan Pannes leads JTP Insurance with extensive risk management expertise. He oversees client strategy and insurance solutions while maintaining direct client relationships. His focus on independent representation ensures clients receive optimal coverage options.
Connie Pannes
Client Relations
Connie Pannes manages client relations with personalized service approach. She coordinates policy implementations and client communications while ensuring smooth claims processes. Her client-focused methodology supports the agency's service excellence standards.
Kimberly Broughton
Risk Advisor
Kimberly Broughton provides specialized risk assessment services for personal and commercial clients. She evaluates insurance needs and develops customized protection plans while maintaining industry compliance standards for policy recommendations.
Brett Alcorn
Risk Advisor
Brett Alcorn offers risk management expertise for insurance solutions. He assists clients with coverage evaluations and policy selections while maintaining focus on competitive pricing and comprehensive protection options.
Questions
How can I lower my insurance premium?
Carrying a higher deductible can reduce monthly premiums. We help clients evaluate appropriate coverage levels and available discounts to optimize insurance costs.
What home damages aren't covered by standard policies?
Standard homeowner policies typically exclude flood, earthquake, nuclear accidents, war-related damages, intentional destruction, and normal wear-and-tear unless additional coverage is purchased.
Why is homeowners insurance important?
Homeowners insurance protects your significant property investment by covering structural damage, personal belongings, and liability claims. Most mortgage lenders require this coverage for property protection.
How do I handle high-value personal items?
We offer policy endorsements or separate policies to extend coverage limits for valuable items like jewelry, artwork, and specialty equipment beyond standard policy restrictions.
What constitutes a totaled vehicle?
A vehicle is considered totaled when repair costs exceed its actual cash value. In such cases, insurance companies typically issue payment for the vehicle's value minus salvage costs.
What should I do after a car accident?
If not at fault, file a third-party claim with the responsible driver's insurance. We assist clients in navigating claims processes and coordinating with repair shops and lenders.
