Home, Auto & Business Insurance in Ellicottville, NY
Independent insurance guidance for individuals, families, and businesses across Western New York and Pennsylvania.
At Ellen Fenton & Company Insurance, we believe understanding your insurance is just as important as having it.
From our Ellicottville, NY office, we help individuals, families, and businesses throughout Western New York and Pennsylvania explore insurance options, understand existing coverage, and ask better questions when something changes.
Whether you are looking for homeowners insurance, auto insurance, business insurance, recreational vehicle coverage, or insurance for a seasonal property, the process starts with understanding your situation—not making assumptions about what you need.
Personal Insurance for Your Home, Vehicles & Everyday Life
Homes, vehicles, properties, and households change over time. Personal insurance conversations can help you understand how your current policy relates to those changes and what may be worth reviewing.
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Insurance options for your home, personal property, liability, and other risks addressed by your specific policy.
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Coverage options that may address personal belongings, liability, and other needs for individuals renting a home or apartment.
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Insurance options designed around the unique responsibilities that may come with condo or townhouse ownership.
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Coverage considerations for seasonal homes, vacation properties, secondary residences, and other properties that may be used differently than a primary home.
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Auto insurance options based on your vehicles, drivers, usage, limits, deductibles, and other policy considerations.
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Coverage options for motorcycles and the liability, property, and other considerations associated with riding.
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Insurance options for ATVs, campers, recreational vehicles, trailers, and other equipment used on and off the road.
No two businesses operate exactly the same way. A contractor, restaurant, retail store, property owner, or service business may face very different insurance considerations. EFC works with business owners to understand how their company operates and explore coverage options based on those real-world details.
Business & Commercial Insurance in Western New York
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A Business Owners Policy, or BOP, can combine common business coverages such as property and general liability, with additional options depending on the business and policy.
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Coverage that may help address certain third-party bodily injury, property damage, and liability claims arising from business operations.
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Coverage options that may address business buildings, equipment, inventory, furnishings, and other covered property when a qualifying loss occurs.
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Insurance for vehicles used in business operations, with coverage options that can address liability, vehicle damage, and other commercial driving risks depending on the policy.
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General liability coverage for contractors and tradespeople, including businesses working on job sites, customer properties, and other project locations.
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Insurance options for restaurants, bars, and other food-service businesses, with coverage considerations that may include property, general liability, equipment, business operations, and other industry-specific risks.
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Additional liability coverage that may apply above certain underlying business insurance limits, subject to the terms of the umbrella policy.
Why Choose Ellen Fenton & Company?
Insurance things you should know...
FAQs
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EFC provides a wide range of insurance solutions, including home, auto, renters, business, commercial, and recreational vehicle insurance across New York and Pennsylvania.
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Homeowners and renters insurance can help address certain losses involving your home, personal belongings, and liability, depending on your policy. Coverage and limits vary, so it's worth reviewing your options to better understand what's included and what may need additional consideration.
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If you need to file a claim, contact our office. We can help you understand the next steps, review the information you may need, and direct you through the appropriate claims process with your insurance carrier.
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We provide coverage for businesses of all sizes, including Business Owners Packages (BOP), commercial auto, general liability, contractor’s insurance, and restaurant & bar coverage.
Contact us
Have a question about your insurance? Whether you're reviewing an existing policy, exploring new options, or navigating a recent change, we're here to start the conversation. Send us a message and the EFC team will be in touch.
A practical checklist for getting your home, property, vehicle, and insurance ready before winter arrives in Western New York.