Align Your Life

Aligning your financial and insurance needs with your goals and dreams.

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Align Financial and Insurance Services

We want to welcome you to Align Financial and Insurance Services, your local independent insurance agency dedicated to you. We value customer service above all else, and we truly believe our clients are not only our friends but our family as well. That’s why we work hard to find you the right coverage to align your financial and insurance needs with your goals and dreams.

Personal Insurance

Trusted advice and insurance to protect what matters most.

Business Insurance

Coverage and risk management solutions for companies of all sizes.

Employee Benefits

Coverage that can help attract, retain, and protect your team.

Agency Owner - Kevin Carney Circle
Meet the Owner

Kevin Carney

Helping people with their insurance is my calling, one that I discovered after realizing other service providers lacked dedication to their clients.

Align specializes in providing high-quality products to ensure our clients pay for something that will actually pay them, should they ever need it. I analyze your operations from scratch and highlight your risks. I then take those risks and build an insurance package around them, leaving no stone unturned.

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As an independent agency, we are here to help you find the right coverage.

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About our Agency

You’ll never feel like just another number when you work with us, and you should never feel we are offering you one of the “higher-priced” options for our own benefit. Our clients are everything to us, and we do whatever we can to make you feel like a part of the family. If, during a phone call, you mention having a cough, you can probably expect a personalized card in the mail wishing you get better soon. That’s the kind of independent agency we are.

By building a relationship with you, we are able to inform you about your unique risks while offering comprehensive insurance solutions to help protect you from the unexpected and plan for the predictable with transparency and integrity. We go the extra mile to find the right coverage to ensure your peace of mind. Because protecting what matters most to you is what we’re here for.

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Specializing in Logistics

We have a unique specialty with logistics, so we have the right knowledge to help your logistics company with a variety of your needs.

360-Degree Protection Audits

Financial advisory firms and life insurance carriers can work with us to provide a complete 360-degree protection audit for their financial advisors.

The Solution to Your Insurance Needs

Providing a variety of personal insurance, business insurance, and employee benefits solutions is what Align Financial and Insurance Services does best.

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Real clients. Real reviews. Real coverage.

“Fast response time, very helpful and informative. They answered all my questions. You can tell they truly care about what is best for their customers!”

– Nichole U.
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The Advantage of an Independent Agency Working for You

What makes our independent agency different?

We represent multiple insurance companies.
We are licensed insurance advisors.
We are by your side every step of the way.
We offer a wide variety of insurance solutions.
Find Out How
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Get a glimpse of the risks you face and how your insurance can protect what matters most.

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.

Garage Repair Shop Insurance

Make sure you cover the unique risks you face with garage repair shop insurance.

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As an independent agency, we are here to help you find the right coverage.

  • Please do not include sensitive, private information in this area.
  • This field is for validation purposes and should be left unchanged.