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our services

Coverage That Fits Your Mission, Family, and Business.

At James Reed & Associates, we offer personalized insurance services designed to help you build, grow, and protect your ministries through all financial seasons. With access to a process that works for 1700+ Nonprofits and decades of experience, we create tailored strategies that ensure your mission can be your main focus.

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Ministries & Non-Profits Insurance Services

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Church & Ministry Insurance

Comprehensive coverage tailored for churches and faith-based organizations. Protect your property, staff, and congregation with policies designed for the unique risks ministries face.

 

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Special Events & Outreach Program Coverage

Ensure your events, fundraisers, and outreach programs are fully protected. Short-term and long-term coverage options safeguard against liability, accidents, and unforeseen risks.

 

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Nonprofit Organization Insurance

Customized protection for charities, 501(c)(3) organizations, and social impact groups. Secure your mission with specialized liability and property coverage.

 

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Workers' Compensation for Ministries Coverage

Comprehensive protection for pastors, staff, and volunteers. Ensure your ministry remains compliant while providing financial security for workplace injuries and medical expenses.

 

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Directors & Officers (D&O) Insurance

Safeguard ministry and nonprofit leaders from personal liability. D&O insurance protects decision-makers from legal claims while allowing them to focus on their mission.

 

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Cyber Liability & Data Protection for Nonprofits

Protect sensitive donor and membership data from cyber threats, fraud, and breaches. Secure your organization's digital presence with tailored cybersecurity coverage.

 

Personal Insurance Services

We’re not just here to sell you a policy. We’re here to make sure you understand your coverage, avoid unexpected gaps, and get the best protection at the right price. As an independent agency, we offer greater flexibility by working with multiple top-rated insurance companies, meaning we can shop around to find a tailored coverage to fit your unique needs—not the other way around.

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Home Insurance

Protection for your most valuable asset. Get coverage for property damage, theft, natural disasters, and personal liability.

 

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Renters & Condo Insurance

Extra protection beyond standard policies. Extend your liability coverage to safeguard against unexpected lawsuits and claims.

 

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Auto Insurance & Vehicle Protection

Tailored protection designed specifically for the journey that lies ahead. Embrace the adventure with confidence, knowing that you are well-equipped for whatever comes along.

 

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Recreational Vehicle & More Insurance

Protect your RV, boat, or off-road vehicle from accidents, theft, and liability claims. Enjoy adventure without financial risk.

 

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Life Insurance

Ensure your family’s financial security with term and whole life insurance. Provide peace of mind for the people who matter most.

 

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Umbrella Liability

Experience the benefit of extra protection precisely when you need it the most. Having that additional layer of security can provide peace of mind and reassurance.

 

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Our Process

Protection with Purpose. Guidance with Integrity.

At James Reed & Associates, we believe that insurance is more than just policies—it’s about safeguarding your mission, your business, and your future. Our five-step process ensure


01

Understand

Before we recommend anything, we take the time to understand your organization, its risks, and its unique needs. Whether you’re a church, nonprofit, small business, or family, we dive deep into your priorities and challenges, ensuring that we build a plan that truly fits.


02

Strategize

As an independent brokerage, we’re not limited to one carrier. Instead, we compare options across multiple insurance providers to find policies that offer the best protection at the most competitive rates.


03

Implement

Once we finalize your customized coverage plan, we handle all the details—policy setup, documentation, and onboarding—so you don’t have to worry. Our team ensures a smooth and stress-free process, keeping you informed every step of the way.


04

Support & Monitor

Life changes, and so do your insurance needs. We stay proactively engaged, helping you adapt as your organization expands, risks evolve, or regulations shift.


“Our customer base appreciates the fact that we answer the phone, and we call them back the same day.” – Jim Reed

Small Business and Commercial
Insurance Services

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Comprehensive Coverage for Businesses

We offer tailored insurance solutions, including General Liability, Property,

Business Owners (BOP) policies, Workers’ Compensation, and more, ensuring that you’re protected from unexpected financial risks.

 

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Protection for Independent Contractors

Independent contractors, freelancers, and home-based business owners face unique risks that traditional insurance policies may not cover. We provide customized coverage, including professional liability (E&O), general liability, and inland marine policies, to ensure that your business operations are fully protected.

 

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Specialty & Short-Term Event Insurance

Special event insurance ensures that you’re protected against potential liabilities, from property damage to bodily injury claims. We offer comprehensive policies designed to provide peace of mind for organizers, vendors, and attendees, making sure that even the shortest events are covered against the unexpected.

 

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Commercial Auto & Fleet Insurance

If your business relies on vehicles for daily operations, having the right commercial auto insurance is critical. We offer policies that protect business-owned vehicles, from single work trucks to full fleets, covering liability, physical damage, and uninsured motorists. 

 

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Bonds for Every Industry

Bonds play a crucial role in business transactions, providing assurance to clients and regulatory bodies that commitments will be met. We offer a full spectrum of bonding solutions, from contractor and surety bonds to notary and fidelity bonds. 

 

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Workers' Compensation & Employee Safety

Keeping employees safe is a top priority for any business, and workers' compensation policies are a vital component of workplace protection. We provide coverage that supports employees in case of work-related injuries, offering benefits for medical expenses, lost wages, and rehabilitation.