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That's what you will get as a client of A. G. D. Insurance LLC. An Independent Insurance Agency formed by former insurance company underwriter/manager, provides a unique experience of education, knowledge and training to best service the needs of our clients. As a member of SIAA (Strategic Insurance Agency Alliance), we have a big "back room" which provides you with a multitude of options and specialty insurance programs which may not be available to other insurance agents.

Total written premium for SIAA member agencies now exceeds $6 billion. We bring the advantages of this relationship to YOU, the CONSUMER. A. G. D. Insurance LLC represents many insurance companies which provide you options and choices. Licensed in Multiple States along with the ability to insure International operations takes much of the hassle out of the insurance process.

What we hear most from our clients is that we care and provide exceptional service to meet their ever-changing needs and concerns.
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About
A. G. D. Insurance LLC was founded by Terry Dumer who started her insurance career in 1973.
Terry uses the experience, education and training of 23 years with St Paul Companies and U.S. F. & G. in dealing with clients.
With a background in both Personal and Business Insurance segments, which included training of agents and their employees, provides a unique set of training, education and experience.
Having seen things on a global level provides insight and hard to match experience and education.
Contacts
Terry has had extensive training and education, in addition to being trained as an underwriter in both Personal and Commercial lines of business, she has the experience of working with large, well-known franchises in designing insurance programs for their franchisees, and other group programs.
Having achieved several designations recognized in the insurance industry and holding her CIC (Certified Insurance Counselor) designation for over 20 years, you will find her to help her clients in managing and assessing their insurance programs.
Client Comments
Terry has been servicing my insurance needs for the last several years.
She is aggressive and diligent, to assure that all the bases are covered and that the customer is aware of all the risks he is taking.
She delivers a quality product and service to the customer.
Terry is all about relationship and service.
Do yourself a favor and consult AGD next renewal.
I got the homeowners policy package Thursday.
Just wanted to thank you for the great personal service you have already provided since I went with your agency.
Insurance Companies
A. G. D. INSURANCE LLC is proud to represent several of the most well respected insurance companies.
Our philosophy is to utilize well respected, financially stable insurance carriers.
Maintaining high standards of excellence helps ensure the ability to meet the demands of an ever-changing society and social issues.
Resources available to grow with you and assist in helping with loss control services and tools.
Our partnership with SIAA provides us with the ability to provide excellent products and cost enhancements to serve our clients' best interest.
What Is Subrogation
Subrogation refers to the process an insurance company uses to seek reimbursement from the responsible party for a claim it has already paid.
In this case, your insurance company may pay your claim, and then seek reimbursement from the other party.
This would depend on the circumstances surrounding the loss, the laws in your state, and your policy provisions.
If your company decides to pursue subrogation, the company will work to recover the damages from the responsible party.
Damages may involve costs paid by you and the insurance company.
Definitions
This policy can provide a combination of liability and physical damage protection for vehicles owned, maintained, or used by you.
Additional coverages such as medical payments and uninsured motorist protection can be purchased to customize the policy to fit your particular needs.
This coverage is used to protect against claims alleged for bodily injury and property damage arising from the ownership, maintenance or use of any covered auto.
If you select limits that are too low, you could be putting yourself at risk financially.
Life – Health – Disability – Vision – Dental
Alliance Secondary Insurance is our Most Popular and Competitive Secondary Health Insurance Program.
We have represented this product since early inception.
Recognizing a quality product and following our philosophy and standard of being proactive, we have grown with this program and firmly believe that it is one of the best cost solutions for employers and employees alike.
Since most companies are with BCBS in the area, we work with your BCBS representative for that particular account so we can coordinate the benefits.
Personal Insurance – Home – Auto – Boats – Motorcycle...
As your independent insurance agent, we will help you evaluate and compare the products of several We will work with multiple insurance companies to help you find the insurance solution that best meets your needs.
We will work hard to warn you of potential risks, and strive to get you the most value out of your insurance and explain all of your options in plain English.
And help you make the choices that are right for you.
Plus, if you ever need to file a claim, we will be right there with you to guide you through the process.