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Citizens Trust Company - An Independent Agent

How does one make a decision on where to buy insurance products? Does it really matter where they buy? How do cost, service and availability of products change the playing field among different insurance agencies across the country? Insurance is a means of providing a safety net for your family, home, car or your business. Did you know there are three sources for insurance buyers:

  1. Telephone / Internet Representative – sells the insurance of one company, and only by phone or internet
  2. Independent Insurance Agent – such as Citizens Trust Company, who represents numerous insurance companies which provides multiple product options
  3. Direct Writer – sells the insurance of only one company

How do you determine which is best for your needs? Citizens Trust Company has carefully hand-selected our insurance carriers who we call our "partners". Why? Our goal is to offer superior products, competitive pricing, and unsurpassed customer service.

We put performance in the promises we make! Our dedicated customer service staff research and compare the most competitive insurance products available. At CTC, we realize the balance between coverage and cost and do our best to deliver them to you.

Commercial Insurance

From the first "hello" our team works hard to understand your needs; both known and unknown. How would anyone be able to address your needs if they didn't take time to understand your business model? We seek to understand how your needs correlate with the transfer of risk, "insurance".

We provide our clients:

Areas of Commercial Insurance Expertise

Commercial Insurance Coverage Types

Boiler & Machinery / Equipment Breakdown

(Boiler & Machinery) Coverage for loss caused by mechanical or electrical equipment breakdown, including damage to the equipment; (Equipment Breakdown) Supplements property insurance (which specifically excludes physical damage and the financial damage stemming from equipment breakdown) to cover the unique causes that can damage equipment. Was known as boiler and machinery coverage.


A written agreement in which one party, the surety, guarantees the performance or honesty of a second party, the principal (obligor), to the third party (obligee) to whom the performance or debt is owed

Business / Group Travel

Insurance coverage for pitfalls associated with travel such as trip cancellation, trip interruption, lost luggage or default protection of a cancelled trip due to carrier or tour operator no longer in business.

Business Auto

Auto Policy for businesses that includes auto liability and auto physical damage coverages, as well as hired and non-owned auto

Business Income & Extra Expense

(Business Income) Insurance covering loss of income by a business when operations are interrupted due to property loss that is a covered cause of loss; (Extra Expense) Coverage for reimbursement of expenses in excess of normal operating expenses that are incurred to continue operations after a direct damage loss


A package of policies that protect an organization against intentional theft by insiders, as well as theft of assets by third parties. Crime coverage generally includes a fidelity bond plus a basic menu of other coverages.

Directors & Officers / Fiduciary / Kidnap & Ransom

(Directors & Officers) Insurance that provides coverage against wrongful acts which might include actual or alleged errors, omissions, misleading statements, and neglect or breach of duty on the part of the board of directors and other insured persons and entities. Many D&O policies include employment practices liability coverage; (Fiduciary Liability) Protects the fiduciaries of health and welfare, or pension plans from claims by employees alleging financial loss due to mismanagement of funds; (Kidnap & Ransom) This insurance is written primarily for financial institutions and covers named employees for individual or aggregate amounts paid as ransom, with a deductible requiring the insured to participate in about 10 percent of any loss.

Employment Practices Liability Insurance

A form of liability insurance covering wrongful acts arising from employment practices such as wrongful termination, discrimination and sexual harassment


Coverage for damage to property caused by flood

General liability

Insurance protecting businesses from most liability exposures other than automobile and professional liability

Inland Marine

Also known as a floater endorsement. Insure special items, such as tools, equipment, forklifts and other items not permanently affixed to the building.

Professional / Errors & Omissions

(Professional Liability) Coverage designed to protect professionals such as physicians and real estate brokers, against liability incurred as a result of errors and omissions in performing professional services; (Errors & Omissions) malpractice insurance which gives physicians, attorneys, architects, accountants and other professionals coverage for claims by patients and clients for alleged professional errors and omissions which amount to negligence


First-party insurance for real and personal property against physical loss or damage


A policy designed to provide additional protection against catastrophic losses covered under liability policies. It may provide protection against some claims not covered by the underlying policies, provide excess limits when the underlying policy limits are used or may drop down and pick up where the underlying policy leaves off.

Workers' Compensation

Protection which provides benefits to employees for injury or contracted disease arising out of and in the course of employment. Most states have laws which require such protection for workers and prescribe the length and amount of such benefits provided.

Personal Insurance

Our team works hard to understand your personal lines insurance needs while keeping an eye on the bottom line cost. Whether you need home, auto, recreational vehicle, life or umbrella coverage, we're here to help you put together the best coverage at the optimal price! We realize each individuals needs are unique and embrace each opportunity to provide assistance to our customers! Some of the key ingredients found throughout our team are as follows:

Personal Insurance Coverage Types


Coverage for damage to property caused by flood


Broad-protection package policy that typically covers the insured and his or her spouse, children, and anyone else under the age 21 (living in the same household) against fire, personal liability exposure, and other associated perils


insurance to be paid to a beneficiary when the insured dies

Personal Auto

The most common type of auto policy that covers the insured for personal liability, physical damage, medical expenses, uninsured or underinsured motorist protection in case of an accident

Recreational Vehicle

Covers the same financial consequences as those covered in auto insurance policies: damage to vehicle or property, theft, vandalism, injury to the insured or other people, personal liability, and/or accidents with uninsured or underinsured drivers


A type of home insurance that protects the holder against accidents, damages, and losses that occur in a rented residence. Renter's insurance provides coverage both for the insured's belongings and for liability that may result from an accident in the insured's home. Many policies cover replacement cost, meaning that the insured will receive the money necessary to purchase a new item that is equivalent to the damaged one instead of a portion of that cost adjusted for depreciation


A type of liability insurance available to individuals and companies protecting them against claims above and beyond the amount covered by their primary policies or for claims not currently covered

Special Events Coverage

Special Event Coverage provides general liability, liquor liability, hired & non-owned automobile liability, rented equipment coverage and third-party property damage for over 200 types of events.

Health Insurance

We strive to assist our customers by understanding their overall health insurance needs along with meeting their budget. As you may be aware, the medical insurance market is ever-changing; Citizens Trust Company monitors the medical insurance industry of insurance plans and trends to offer the best options available and keep you abreast as to potential changes on the horizon. We provide knowledge and expertise from individual/family plans to large group plans self-insured programs. We research and analyze these options and prepare a tailored proposal based upon needs and selected criteria for each client.

When you think about the total cost of benefits, what comes to mind? There are multiple options with a myriad of solutions. We not only help provide solutions within medical insurance programs, we help our clients through education so they can make the best decision for their families and or employees long term.