FAQ
Questions, answered plainly
Straight answers from James on coverage, bundling, claims, and what makes a CPA-led agency different. Don't see your question? Just ask.
What types of insurance do you offer?
A full suite of Farmers Insurance products including auto, home, renters, condo, life, umbrella, business, commercial auto, general liability, workers' compensation, motorcycle, recreational, and financial solutions.
Do you only serve Highland, Utah?
While my office is based in Highland, I serve clients throughout Utah County, Salt Lake County, Davis County, and Summit County — and can provide coverage to anyone in the state of Utah.
What makes you different from other insurance agents?
My background as a CPA, forensic accountant, and former U.S. Department of Justice analyst gives me a level of financial and contractual insight that most insurance agents simply don’t have. Every commercial client gets a free review of their contracts and business documents alongside their insurance — the same advisory service I’ve charged $500–$600/hr for as a federal-court expert witness.
Are you an independent agent or a captive agent?
We start with Farmers because that is our primary insurance relationship and the foundation of our agency. For many clients, Farmers offers a strong fit. For situations that do not fit standard Farmers underwriting, we may be able to look at Farmers-affiliated options or approved specialty placement channels, including Kraft Lake Insurance Agency, Inc. Not every risk can be placed, and all coverage is subject to underwriting approval, eligibility, and availability.
What is bundling, and can I save money that way?
Bundling means combining two or more policies (like auto + home, or auto + renters) under the same carrier. Farmers offers multi-policy discounts, so bundling is one of the easiest ways to lower your overall insurance costs.
What should I do if I need to file a claim?
Contact me directly and I’ll help guide you through the process. You can also report a claim 24/7 at farmers.com or call Farmers’ claims line. Unlike dealing with an 800-number alone, you’ll have a local agent who knows your policy and can advocate for you.
My business has grown since my last policy — should I review my coverage?
Absolutely — and this is one of the most important questions a business owner can ask. The chances are high that your current coverage no longer matches your actual risk exposure. Let me do a no-cost review of your policies alongside your contracts and business structure.
Do you offer accounting, tax, or advisory services too?
We are an insurance agency first. Every commercial policy includes a free review of your contracts, leases, loan covenants, and business structure — advisory insight built right into your coverage at no extra charge. Deeper professional work like restructuring, forensic accounting, or tax advisory is a separate engagement through James’s advisory practice, available when your situation actually calls for it. We don’t market ourselves as an everything-under-one-roof firm — insurance is the focus, with that separate expertise available when you need it.
Do you offer life insurance?
Yes. I can walk you through term life, whole life, and universal life options to find the right fit based on your family’s needs and financial goals.
Still have a question?
James answers his own phone — no call center, no runaround.