Business Details
50+ Years
experience
Your Trusted Insurance Partner in Westerly, RI
Louis Panciera has been serving the insurance needs of Rhode Island and Connecticut residents since 1934. Our agency prides itself on delivering superior customer service and quality insurance products tailored to individual and business requirements. With a team of highly trained professionals, we specialize in personal and commercial insurance solutions, including auto, homeowners, contractor liability, and workers' compensation coverage. Our commitment to personalized service ensures clients receive comprehensive protection plans at competitive rates. We maintain strong relationships with leading insurance providers to offer diverse options that meet unique client needs.Our expertise spans decades, with team members holding prestigious industry designations and extensive local market knowledge. We prioritize transparency, ethical practices, and long-term client relationships, ensuring policyholders feel confident in their coverage decisions. Our community involvement reflects our dedication to supporting the regions we serve. By combining traditional values with modern insurance solutions, we help clients protect their most valuable assets. Our office hours and flexible communication channels demonstrate our ongoing commitment to accessible, responsive service.
Services
Auto Insurance
Homeowners Insurance
Contractor Insurance
Workers' Comp
Commercial Insurance
Details
- Year established: 1934
Highlights and features
- We offer 90+ years of local insurance expertise since 1934
- Our team holds prestigious industry designations like AAI and CPIA
- We provide personalized coverage solutions for unique client needs
- We maintain strong relationships with top-tier insurance carriers
- Our office offers flexible summer and non-summer business hours
Services
Auto Insurance
Auto insurance protects vehicle owners from financial loss in case of accidents or theft. Our policies cover liability, collision, and comprehensive damages while meeting state minimum requirements. With personalized options for different vehicle types and driver profiles, we help clients select coverage that balances protection and affordability while maintaining compliance with local regulations.
Homeowners Insurance
Homeowners insurance safeguards property owners against damage to structures and personal belongings. Our policies cover perils like fire, theft, and weather-related incidents while providing liability protection for accidents on the property. We offer customizable coverage options to match different home values, construction types, and regional risk factors while ensuring adequate protection for this major investment.
Contractor Insurance
Contractor insurance protects tradespeople like plumbers, carpenters, and roofers from business risks. Our policies include general liability, tools coverage, and workers' compensation while addressing industry-specific exposures. We provide tailored solutions for different trade specialties and business sizes, ensuring compliance with licensing requirements while protecting against job site accidents and property damage claims.
Workers' Comp
Workers' compensation insurance covers job-related injuries and illnesses by paying medical expenses and lost wages. Our policies meet state requirements while protecting businesses from liability claims. We offer coverage for various industries with risk management resources to prevent workplace accidents while ensuring compliance with regulatory standards for employee protection.
Commercial Insurance
Commercial insurance provides comprehensive protection for businesses against property damage, liability claims, and operational risks. Our policies cover diverse industries including restaurants, contractors, and condo associations while addressing specific exposures. We offer customizable packages combining property, liability, and specialized coverages to protect business assets, employees, and operations while supporting long-term sustainability.
People
Nicholas J. Fusaro
President & CEO
With 18+ years in insurance, Nick holds B.S. in Business Management and industry designations including AAI, AIS, and CPIA. Licensed in three states, he focuses on commercial/personal lines and previously served on Westerly-Pawcatuck Chamber board while driving agency growth through new market development.
Michael D. Gervasini
Vice President
Mike brings 11+ years of experience with client-focused approach to insurance solutions. Licensed in Rhode Island and Connecticut, he emphasizes relationship-building and community involvement while managing complex insurance needs for business and personal clients across multiple industries.
Samuel K. McQuiggan
Assistant Vice President
Sam specializes in personal lines with experience managing high net worth portfolios nationwide. Holding AAI, AIS, and CPIA designations, he serves as Rhode Island Notary Public while contributing to youth sports organizations through board leadership roles in local community initiatives.
Frederick J. Ferraro II
Financial Services Specialist
Fred brings 37 years of experience in insurance and financial products including life, health, and retirement accounts. A multiple award winner, he provides comprehensive financial planning solutions while maintaining expertise in both insurance products and investment vehicles for personal and business clients.
Margaret Nelson
Personal Lines Specialist
With 30+ years in insurance, Margaret holds AAI and ACSR designations while specializing in personal lines account management. Licensed in two states, she focuses on delivering tailored insurance solutions while maintaining exceptional client service standards through deep product knowledge and industry experience.
Questions
What types of insurance do you offer?
We provide personal insurance (auto, homeowners, life) and commercial insurance (contractor liability, workers' comp, business property) for Rhode Island and Connecticut clients.
How can I get an insurance quote?
Request a free quote through our website form or contact our Westerly office directly at (401) 596-4977 for personalized assistance.
Are you available during non-business hours?
Our office operates Monday-Thursday 8:30 AM-5:00 PM, Friday hours vary seasonally. Emergency claims can be reported through our after-hours contact system.
Do you handle insurance claims?
Yes, we assist with claim submission and tracking. Contact our office directly or use our online claim information portal for reporting and status updates.
What areas do you serve?
We primarily serve Rhode Island and Connecticut residents and businesses from our Westerly, RI location with licensed coverage options across both states.
Can I speak with an agent directly?
Our experienced agents including President Nick Fusaro and Vice President Mike Gervasini are available for consultations by appointment at our Main Street office.
