FAQ

Pennsylvania’s state minimum auto policy requires 15/30 bodily injury liability and $5,000 in property damage coverage. That $5,000 property damage limit sounds like protection, but if you cause an accident and total another driver’s $17,000 vehicle, you are personally responsible for the remaining $12,800 out of pocket. Full coverage adds collision, comprehensive, and higher liability limits that protect your assets in exactly those situations. At Agot Insurance Agency, serving Lebanon County, PA and surrounding areas, owner Agot Agot takes the time to walk every client through what each coverage level actually means before they choose, because the cheapest premium is not always the least expensive outcome.

Independent agencies like Agot Insurance Agency are not locked into a single carrier’s pricing. Because Agot Insurance Agency works with multiple carriers across auto, home, business, life, renters, and trucking lines, the agency can compare rates and coverage terms side by side and present the option that gives you the strongest protection at the lowest premium. The goal is not the policy that pays the highest commission, it is the policy that fits your situation. Clients in Lebanon County, PA consistently benefit from this comparison approach rather than being quoted only what one company offers.

Yes. Agot Insurance Agency in Lebanon County, PA offers commercial trucking insurance as one of its primary lines of business. Whether you are an owner-operator running under your own authority or managing a small fleet, Agot Agot can help you find carrier options that meet Pennsylvania and federal requirements for liability, cargo, and physical damage coverage. Trucking insurance needs vary significantly by operation type, so Agot Insurance Agency works through the details with each client to make sure the policy actually covers how and where they operate.

A surety bond is a three-party agreement in which a bonding company guarantees to a project owner or government entity that a contractor will fulfill their obligations. In Pennsylvania, many contractors are required to carry a surety bond to obtain a business license, bid on public projects, or meet requirements set by a hiring client. Common types include license and permit bonds and performance bonds. Agot Insurance Agency in Lebanon County, PA offers bonds alongside general liability and contractors insurance, making it a single point of contact for small and mid-size contractors who need to package their coverage and bonding requirements together before taking on new work.