Scargill McClurken Insurance Agency – Making a Difference Since 1924

Providing personal and business solutions in Phoenixville, PA and throughout Pennsylvania.

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Insurance in Phoenixville, PA and throughout Pennsylvania.

Scargill McClurken Insurance Agency offers personal insurance and business insurance solutions. Licensed in Pennsylvania and New Jersey.

Personal Insurance

Our goal is to protect you from the unexpected through top quality insurance coverage that works for your needs, as well as your budget.

Business Insurance

We'll thoroughly assess your business and situation to develop creative, comprehensive, cost-effective solutions that fit your needs.

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

Our Location
Phoenixville, PA Insurance

525 Schuylkill Road
Phoenixville, PA 19465

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We are Proud Members of IA&B

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About Our AgencyInsurance Quote
Stephen Rush

I have worked with the team at Scargill McClurken Insurance for several years now. They are truly interested in helping clients get the right coverage at the best value. The whole team is helpful, prompt, professional and are just great to work with! I highly recommend that you contact them for a review of your coverage!

Steven Gentner

Pleasure to deal with, immediate response to all requests. Very impressive.

Matthew Miller

Staff is wonderful and always helpful. They make managing my insurance easy.

Chris Kouris

One of the best in customer service that I have dealt with in their industry! All their staff are friendly and willing to help!

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
Garage/Repair Shop

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 - Garagekeepers

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 garagekeepers 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.

Scargill McClurken Insurance Agency Client Portal

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As an independent agency, we offer multiple options at competitive prices.

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