Business Details
Emergency
services
Trusted Insurance Solutions for Businesses & Individuals
Stonehouse Insurance Services is a dedicated insurance agency committed to providing tailored risk management solutions for businesses and individuals. Our approach centers on understanding each client's unique needs, leveraging partnerships with top national insurers to create customized coverage plans. With expertise in commercial and personal lines, we prioritize long-term client security through comprehensive risk evaluation and strategic planning. Our team combines decades of industry experience with a consultative methodology to address both current and future insurance challenges.We specialize in business insurance, commercial property protection, professional indemnity, and personal auto/home coverage, ensuring clients receive both expert guidance and competitive pricing. Our mission, rooted in the principle of 'Uberrima Fides' (always faithful), drives our commitment to transparency, client education, and proactive risk mitigation across diverse industries.
Services
Business Insurance
Personal Insurance
Commercial Property
Professional Indemnity
Business Equipment
Commercial Auto
Risk Evaluation
Auto Insurance
Homeowners Insurance
Landlords Insurance
Highlights and features
- We offer a consultative approach to insurance planning with customized strategies
- We partner directly with top national insurers for competitive coverage options
- Our team has decades of combined experience in commercial and personal lines
- We provide proactive risk evaluation and industry-specific insurance solutions
- We maintain transparency in policy details and pricing structures
What people say
First class service
Reasonable rates
Very professional
Services
Business Insurance
Our business insurance solutions protect companies across industries with customized policies. We assess operational risks to create comprehensive plans covering property damage, liability, and business continuity. Clients benefit from partnerships with top-rated insurers and tailored strategies that adapt to evolving commercial challenges while maintaining cost-effectiveness.
Personal Insurance
Personal insurance services safeguard individuals' assets through auto, home, and specialty policies. We conduct portfolio reviews to identify coverage gaps and optimize bundling discounts across multiple lines. Our approach ensures clients receive balanced protection that aligns with personal risk profiles and financial goals while maintaining policy transparency.
Commercial Property
Commercial property insurance protects physical business assets against fire, theft, and natural disasters. We evaluate property values, inventory, and operational needs to determine appropriate coverage limits. Our solutions include business interruption protection and specialized endorsements for high-value equipment and inventory.
Professional Indemnity
Professional indemnity insurance safeguards service-based businesses against claims of negligence or professional errors. We help clients understand policy terms, coverage limits, and exclusions while ensuring alignment with industry-specific risks. Our team assists with claims management and risk mitigation strategies.
Risk Evaluation
Risk evaluation services identify potential threats to business operations and assets. We conduct comprehensive assessments to determine coverage needs, recommend preventive measures, and develop mitigation strategies. This proactive approach helps clients minimize exposures while optimizing insurance investments across all business sectors.
People
Tom Somers
Certified Financial Planner
Certified Financial Planner with 25+ years in business and insurance. Graduated from Pomona College and Columbia University. Specializes in helping business owners achieve financial security through strategic planning and risk management solutions.
Michael Emerson
Director of Strategic Operations
Director of Strategic Operations with economics background from LaTrobe University. Former Reserve Bank of Australia economist and Ernst & Young consultant. Brings 20+ years of strategic planning experience to insurance operations and business growth initiatives.
Cel Emerson
Community Liaison
Community Liaison with extensive business management experience. Former Qantas Airways and Sheraton Hotels executive. Holds BA in Business Administration from University of Santo Tomas. Focuses on client relations and operational efficiency within the insurance agency.
Kevin Lynn
Regional Managing Director
Regional Managing Director overseeing insurance operations. Coordinates client services and strategic initiatives across multiple locations. Brings industry expertise in commercial risk management and personalized insurance solutions for business clients.
Josh Emerson
Founder
Founder of Stonehouse Insurance Services. Established the agency's core philosophy of client-centered insurance solutions. Provides strategic direction for business development and maintains focus on the company's founding principle of 'Uberrima Fides' (always faithful).
Questions
What types of business insurance do you offer?
We provide commercial property, professional indemnity, business equipment, commercial auto, and risk evaluation services tailored to specific industries including restaurants, breweries, and manufacturers.
Do you handle both business and personal insurance?
Yes, we offer comprehensive business insurance solutions alongside personal lines including auto, home, landlords, condo, boat, and motorcycle insurance with portfolio review options.
How do you determine appropriate coverage amounts?
Our team conducts detailed risk assessments to evaluate business assets, operational risks, and personal assets. We analyze potential exposures to recommend coverage limits that balance protection and cost-effectiveness.
Are your insurance rates competitive?
We work with multiple top-rated insurers to ensure competitive pricing. Our independent agency status allows us to compare options across providers while maintaining quality coverage standards for all clients.
Do you offer emergency insurance services?
Yes, we provide emergency resources and support for business continuity planning. Our team helps develop contingency plans and offers guidance through crisis situations affecting insured properties.
