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?
I’m a Farmers Insurance agent, which means I sell Farmers and Farmers-affiliated products exclusively. Farmers is one of the largest and most established insurance companies in the country, with nearly 100 years in the industry.
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 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.