Providing personal and business solutions in Phoenixville, PA and throughout Pennsylvania.
Insurance Quote
Insurance in Phoenixville, PA and throughout Pennsylvania.
Scargill McClurken Insurance Agency offers personal insurance and business insurance solutions. Licensed in Pennsylvania and New Jersey.
Specialized Insurance Solutions
Scargill McClurken Insurance Agency offers comprehensive insurance solutions.
About Scargill McClurken Insurance Agency
Scargill McClurken Insurance Agency is a 4th generation, independent insurance agency, proudly serving Phoenixville, PA and all of Pennsylvania and its surrounding areas since 1924.
Our Specialties
At Scargill McClurken Insurance Agency we are continuously working to provide the individual coverage you require. When it comes to protecting your auto, home, business and family, don’t leave it up to chance or fly-by-night brokers. We take pride in our business and strive to be relationship specialists providing you with the total insurance solution for all your needs.
Being insured with the best has its advantages. That is just one of the reasons why the companies we represent have continually earned the highest ratings from AM Best, the leading independent insurance industry rating authority.
Our team truly believes TEAMWORK makes the DREAM WORK! We strive to prevent, protect and make a great, positive impact to all who make contact with our agency and to put into practice clarity, vision and a purpose in providing your best insurance needs.
Awards and Recognition
2014
Main Line Gives Back Award
Difference of One Award
There’s more to insurance than the price of the policy.
Explore our interactive graphics and learn about your unique risks and the related insurance solutions.
Personal InsuranceBusiness Insurance
Commercial General Liability / Garage Liability
Risk Factor
Your repair shop may be susceptible to many risks, such as claims due to bodily injury, property damage, personal injury and more. For example, if a customer accidentally trips and falls while on the premises of your repair shop, you can become exposed to a potential lawsuit and held financially responsible for any injuries that result from the accident.
Solution
Commercial general liability insurance is an absolute necessity for every repair shop. This type of protection provides broad coverage for premises, operations, completed operations and advertising and personal injury. It will also pay to defend any covered lawsuit or action regardless of its merit. Coverage can be purchased as a separate policy and can be tailored to your specific needs. Coverage limits generally range from $100,000 to $1,000,000.
Commercial Property Insurance
Risk Factor
When a gas tank explosion causes an uncontrollable fire, your commercial property and everything within it can suffer a significant loss. This can have a detrimental effect on your repair shop business.
Solution
Commercial property insurance can help protect the property your business owns or leases, including things like equipment, inventory, furniture and fixtures. Whether you own your building or lease your workspace, commercial property insurance can be purchased separately or can be combined with other necessary coverage to protect your business’ physical assets.
Property of Others - Garage Keepers
Risk Factor
The nature of your business means you’re responsible for valuable cars, trucks and other automobiles. As a repair shop owner, you’re trusted to safeguard vehicles belonging to others. This responsibility brings with it potential liability of being held financially responsible for property damage caused to these vehicles while in your care, custody and control.
Solution
You should purchase physical damage coverage, referred to as garage keepers coverage, designed to help you protect your customers’ property and your business in the event that accidents, injuries or property damage occurs. This protection covers the costs that arise from unfortunate and unforeseeable events, not bad workmanship, faulty parts or warranties.
Inland Marine and Mobile Equipment Policies
Risk Factor
You’re constantly moving your tools from one area of your repair shop to another, exposing your business to potential loss due to damage or theft. And without your specialized tools and equipment, your repair job may come to a screeching halt.
Solution
You can purchase special equipment insurance designed to protect your tools and equipment on the move. The policy will cover equipment for a variety of losses, including fire, explosion, vandalism, theft, collision with other equipment or objects and overturning.
Workers' Compensation and Employers Liability
Risk Factor
If one of your employees receives an injury or becomes ill due to a work-related occurrence, you are required by law to have the proper coverage in place.
Solution
Workers' compensation and employers liability insurance protects your employees should a job-related injury or sickness occur during the course of employment. Since benefits vary by state law, make sure your insurance agent is aware of all physical locations your business operates in and all physical locations where you hire your employees.
Business Auto Insurance
Risk Factor
As a repair shop owner, you have many exposures associated with your business vehicles – owned or leased. With a fleet of cars, trucks, vans or other types of vehicles used in the course of business, a single accident can potentially put your business in financial jeopardy.
Solution
Business auto insurance provides coverage for vehicles owned or leased by a repair shop and provides coverage for bodily injury, property damage and other exposures, and could include comprehensive and collision coverage as well.
Commercial Umbrella / Excess Insurance
Risk Factor
Losses and lawsuits are quite common in the repair shop business, and settlements can be substantial. If your business is found to be responsible for damage or injury, you could be facing a large liability loss that exceeds the basic limits of your standard policy.
Solution
You should consider purchasing a commercial umbrella or excess insurance policy which provides higher limits, typically between $2,000,000 and $10,000,000, and often broadened coverages. Coverage is extended over your general liability insurance, workers' compensation and business auto insurance. It provides a great safety net and helps ensure your repair shop business is well-protected.