Janus Insurance Agency, Inc

How fast can you issue a certificate of insurance (COI)?

Most certificates of insurance are issued within 24 hours, often same-day for existing clients. We understand contractors and businesses need COIs fast for job sites and contracts.

What discounts are available if we bundle home and auto?

Bundling home and auto insurance typically saves 15-25% on your premiums. We shop multiple carriers to find you the best bundle discount available.

When should I enroll in Medicare to avoid penalties?

You should enroll during your Initial Enrollment Period (3 months before your 65th birthday month, your birthday month, and 3 months after). Missing this window can result in permanent premium penalties.

Do I need commercial auto insurance for my business vehicles?

Yes, if you use vehicles for business purposes (transporting goods, equipment, or clients), you need commercial auto insurance. Personal auto policies typically exclude business use.

What's the difference between an insurance broker and an agent?

As an independent insurance agency, we work with multiple insurance carriers to find you the best coverage at the best price. We work for you, not the insurance company.

How often should I review my insurance policies?

We recommend reviewing your policies annually or whenever you experience a major life change (new home, new vehicle, marriage, new business venture, etc.). Rates and coverage needs change over time.