At the Fisher Widmann Flick Insurance Agency, we understand the challenges that Pennsylvania locals face when obtaining insurance; a little change in a local policy or state law can make a big difference in the insurance recommendations we make for individuals, businesses, and municipalities alike.

One example of a local law that has affected our insurance recommendations is Pennsylvania Act 46, a law with good intentions that has sadly had a negative affect on our state’s volunteer fire departments and firefighters alike.

Act 46 is also known as the “Firefighters Cancer Presumption Law”; inspired by the long-term health risks 9-11 servers were facing, the law is meant to do a good service: provide benefits for firefighters who developed cancer in the line of duty.

Unfortunately, as more and more workers compensation claims are coming in, insurance companies, concerned over growing costs, are beginning to revisit their rates, which can result in municipality and local budget cuts due to an increased cost of their insurance packages; some insurance companies have even considered worker compensation for firefighters (especially volunteers) altogether. While this is not the case for every insurance company, it has happened enough to cause concern amongst the Pennsylvania firefighting community.

Any worker deserves to have workers comp insurance protecting them in case of an accident, but for firefighters, workers comp is more than that: it’s an essential protection that could provide income, medical benefits and rehabilitative services should that firefighter be injured on the job. For volunteer firefighters, who give their services for no regular pay, this benefit is all the more important.

We at the FWF want to make sure that no one as courageous and generous as a volunteer firefighter serves their community without the proper protection they deserve. We encourage anyone facing a loss of workers comp as a result of this act to contact us so that we can help you get back what you have earned and what you truly deserve: solid protection.

Our staff across the state are working to replace any coverage lost under Act 46; please contact us or one of our local representatives if your workers comp coverage has been canceled. Wherever you may be located – Blaire County, Cambria County, Somerset, Latrobe, and beyond – we’re there, and we’re ready to help you. Whether we need to work our connections at 15 other major insurance organizations to find your group a new plan with a new company, or work with the State Workers Compensation Fund, we can obtain new coverage that ensures your local volunteer firefighters continue to help their community with every benefit they deserve protecting them in return for their service.

If you work within or under a municipality, county or city’s governing body, then you understand better than most just how much responsibility your organization carries on its shoulders every day.

Central PA municipality building. Image courtesy of

Sometimes it’s easy for the general public to forget that the people working within these groups are in charge of ensuring an entire city’s basic services run smoothly – everything from sanitation, water and street maintenance to schools and food inspections, as well as transportation, safety and health department operations.

These governing bodies and their employees deal with unique challenges every day as part of their jobs. To further complicate matters, not only do municipalities tackle local issues as part of their job: they also deal with sad economic realities behind the scenes, often juggling to operate on budget while still keeping solid insurance plans in place to protect their communities and their employees.

We understand that today’s economy has created many challenges for our public service workers. That’s we believe that instead of relying on certain preordained and often pricey insurance plans, municipalities each need to look into customized insurance plans that protect and address what matters most to them.

That’s where we come in; the Fisher Widmann Flick Insurance Agency is here to help ensure that all of central Pennsylvania’s counties are adequately covered and insured at an affordable cost.

Maybe you need to build a better health benefits plan for your employees, which covers everything from personal health support to treatment decision support. Maybe you need insurance that can help in cases of general liability, auto liability and physical damage, public entity management liability or law enforcement liability. Maybe you need protection against property damage. Or maybe there’s an issue unique to your area that you want to address and be prepared for.

Whatever your situation may be, we are here to help.

Whether you’re located in Blaire County, Cambria County, Somerset, Latrobe, or in any other nearby counties, we’re ready to work with you so that you can continue going about your daily operations without worrying about whether your insurance is good enough when it matters. Our representatives can use their connections to 15 other major insurance companies to thoroughly analyze your municipality and evaluate any current or future risks you may have to deal with – and then, we can create affordable and flexible insurance coverage plans just for you.

If you are a municipality looking for a competitive insurance proposal, contact us now to set up a meeting with one of our local representatives in central Pennsylvania. We’ll build the best plan at the best rate just for you – it’s what we do best!

Does your business insurance earn dividends?

Dividends, or payments made by a corporation to its shareholders, are usually not a common staple in insurance packages. However, on some insurance policies, depending on the total group premium and total claims experience, policyholders can find themselves earning an annual dividend.

ChamberChoice, a service offered exclusively to members of chambers of commerce through Penn National Insurance, offers several service packages to chamber members, including but not limited to individual and group health insurance, dental and vision coverage plans, and a business insurance plan with a dividend potential through Penn National Insurance. In fact, a dividend of almost $500,000 was recently declared for the first program year.

If you run a business, you understand just how important it is to have a business insurance plan that protects you against operational losses. Why not sign up for a plan that offers great coverage through Penn National Insurance, with dividend potential? You have nothing to lose – but plenty to gain; ChamberChoice members often report that their ChamberChoice dividends are enough to fully cover a local chamber of commerce membership, plus a little more.

Now is the perfect time to consider your business insurance and look into potentially earning dividends back on your insurance plans. Maybe you’re just starting a business, or maybe you need to upgrade your insurance as your business expands.

Either way, our Fisher Widmann Flick Insurance Agency staff members are here to help. We’ve worked with countless business owners in Blaire, Cambria, Somerset, Latrobe, and a multitude of other nearby counties; our representatives can use their connections with Penn National Insurance to ensure that your business insurance policy is just what you need and want.

Whether you want Key Person Insurance to ensure that you’re protected if a key member cannot perform their duties; General Liability Insurance to help protect your business from liability claims to injuries on site; or Product Liability coverage to help protect yourself against the results of using a damaged product – our staff is here to make sure that the coverage you get is the coverage that you need.

Contact us now to set up a meeting if you want to learn more. Be sure to mention your interest in ChamberChoice’s special packages, including business insurance plans with a dividend potential. We will happily explain more about ChamberChoice’s programs and see if they’re a good fit for you and your business!

When it comes to rented living spaces, it’s not just the landlords that need insurance coverage. If you are currently renting an apartment or even a home, it’s in your best interest to invest in an insurance plan made just for renters.


Rather than relying on any basic coverage that may come with your rented property, it’s in renters’ best interest to purchase additional coverage. Renters insurance plans protect you in unexpected situations, including fire, theft, water damage and so forth; with the national average of renters insurance working out to less than $14 a month, renters insurance is one of the most affordable and important insurance packages you can purchase if you live in an apartment or rented home.

Consider the protections that renters insurance offers:

1. Personal Property Protection: Renters insurance offers financial assistance if you have to replace any stolen or damaged items on your property – from furniture to computers to clothing – that result from a fire, windstorm, lightning, theft or vandalism.

2. Liability Coverage: Accidents happen. Whether you accidentally cause damage in your rented space, to your neighbor’s space – or even accidentally cause harm to a guest or neighbor – renters insurance covers your personal liability damages. 

3. Loss-of-Use Coverage and Living Expenses: Disaster can leave an apartment or rented home temporarily uninhabitable. People with renters insurance are provided living expenses for temporary relocation in these situations.

While some apartment complexes offer insurance programs to residents, it never hurts to get a third set of eyes to evaluate your coverage and make sure that it’s just right for you, as well as help you find the right insurance plan if you don’t have one yet. We highly encourage all renters to inventory their personal belongings and to meet with someone on our Fisher Widmann Flick Insurance Agency staff.

Based on your feedback and on the risk factors of the area you live in, we can help you find or even customize the perfect renters plan for your needs. Whether you live in the Johnstown area or even in Blaire County, Cambria County, Somerset, Latrobe, and any other nearby counties, our local contacts will always be there to help you.

Don’t spend another day living in an unprotected apartment or rental home – contact us now!

**Image courtesy of Flickr user longlostcousin

Do you own an apartment building?

1St_Leonards,_New_South_walesIf you do, you understand fully that apartment buildings are a landlord’s livelihood. Renting out an apartment complex is a strenuous business; it requires hours of work as landlords oversee building maintenance, pay various bills, and of course, work with tenants to ensure that everyone has as pleasant a living experience as possible.

With so many people living together under one roof, even a minor issue has the potential to become a bigger one of it’s not properly addressed. This is why owning the right insurance policy to help protect your building – a.k.a. your entire business – should be a vital part of any landlords’ business plans.

Solid insurance plans on an apartment building offer assistance when the unexpected happens, whether that means a minor incident such as a visitor injury, or an extreme catastrophe, such as a building fire. But what sort of insurance should an apartment building owner look into?

Currently there are four broad, popular insurance categories to consider:

Business Property Insurance: Business Property insurance helps to protect and cover the building, equipment and income you rely on each day. This insurance offers financial assistance when your building is damaged or your office contents – including leases and financial paperwork – are destroyed or stolen.

Business Liability Insurance: Your apartment building is not a bubble; tenants, workers, or visiting friends all walk the halls you’re responsible for. Should any of these people slip, fall, or injure themselves otherwise on your property, liability insurance offers assistance with legal defenses, as well as legal damage payments.

Business Crime Insurance: Sometimes, despite the best efforts to prevent it from happening, the wrong people get into an apartment complex – determined thieves may break in or vindictive employees may steal something important as they leave. At the end of the day, even the safest apartment needs protection from crime; business crime insurance offers coverage for when criminals – whether they’re an employee or a third party vandal – wreak havoc in your office or on your property.

Building Ordinance Insurance: Sometimes your building needs major repair or remodeling work done; maybe a storm damaged part of your complex, or maybe a new law means that your building is no longer up to code. Either way, ordinance insurance will help you cover the cost of any necessary rebuilding and maintenance work.

Of course, ideally a landlord’s insurance policy will offer a customized level of protection that considers all four of these popular insurance categories. Fortunately, forming an insurance policy that’s perfect for your building is extremely easy.

A quick consultation with our Fisher Widmann Flick Insurance Agency staff can help you develop the policy that’s right for you. We’re proud to work with landlords and building areas throughout the Johnstown area, as well as in Blaire County, Cambria County, Somerset, Latrobe, and all other surrounding areas in central Pennsylvania.

We offer personalized assistance and have numerous local contacts across the state ready to help you at a moment’s notice. We also have connections with 15 major insurance companies, including our newest partner, Safeco Insurance, a Liberty Mutual-owned company that will work with our team to ensure that you receive the best Landlord protection insurance possible.

Using these resources, our insurance sales team at F.W.F. will always help you purchase the best apartment property insurance policy to ensure that your apartment complex – your business – continues to run as smoothly as possible. Contact us today to learn more about what we can do for you!

Image courtesy of

Business owners, does your company currently have commercial property insurance? If the answer is no, now is the perfect time to consider how commercial property insurance could help your business in the future if disaster strikes.

Hail damage to aluminum gutter. Image courtesy of Flickr.

Hail damage to aluminum gutter. Image courtesy of Flickr.

Commercial property insurance adds a layer of financial protection to help your business when disaster strikes and your property is damaged. Whether your business owns its own building, rents its office, or is located at your home, a commercial property insurance plan makes for an excellent layer of financial protection.

This select type of insurance covers a company building and the contents of the building that belong to the company; under commercial property insurance, “property” can potentially refer to more than just your company building – it could also cover lost income or business interruption, computers, money, and valuable papers. Whether you need help covering the repair costs after experiencing an office fire or replacing missing items and equipment after vandals strike, a property insurance plan will ensure that you get it.

This sets property insurance apart from most basic business insurance policies often offered by buildings that lease offices to multiple companies, and ensures that your business-related material is thoroughly covered if you work from home.

So what kind of property insurance plan might you need? There are two basic types of property insurance policies that you could potentially purchase: all-risk policies covering a wide-range of incidents and perils except those noted in the policy, or peril-specific policies that cover losses from only those perils listed in the policy.

What’s the difference? All-risk policies are used to cover risks faced by the average small business, while peril-specific policies can be purchased when there is high risk of peril in a certain area.

Which one of these might be best for you? Consult with us to find out. Whether you own a small financial consultation business, a bakery or even a farm, our Fisher Widmann Flick Insurance Agency staff can help you find the policy that’s right for you. We work with the Johnstown area, as well as in Blaire County, Cambria County, Somerset, Latrobe, and all other surrounding areas.

With our personalized assistance and local contacts there to help, and by using our connections with 15 major insurance companies, our insurance sales team at F.W.F. can help ensure that you purchase the best commercial property insurance policy to ensure that your business and office is truly covered. Depending on the level of risk in your area, we also can protect you for flood coverage by getting a separate flood policy.

Contact us today to find out just how much additional protection and coverage we can get for you!

Is your auto insurance policy as comprehensive as it could be?

The importance of owning a solid, strong, and sweeping auto insurance policy cannot be overstated. Our previous blog post discussed in depth the importance of purchasing a comprehensive auto insurance package that covers more than what your state requires. Unfortunately, for one reason or another, many drivers believe that they cannot afford or even find reasonable insurance plans for their vehicles.

Both the Johnstown-based the Fisher Widmann Flick Insurance Agency (F.W.F Insurance Agency) and partner Safeco Insurance – a Liberty Mutual-owned company – are working hard to help drivers save money while still getting the coverage that they need to ensure that they are protected in a worse-case scenario. Our companies hear every reason in the book that people avoid purchasing auto insurance – here are just four auto insurance myths that our two companies are busting every day:

  1. Auto insurance will cost me too much. False! Safeco Insurance, now working with the F.W.F Insurance Agency, currently offers numerous discounts and opportunities for you to save and pay less for auto insurance.
  2. I don’t own a basic automobile and so it won’t be covered by insurance. False! Both the F.W.F Insurance Agency and Safeco cover more than just automobiles. The F.W.F Insurance Agency has always offered insurance for automobiles, boats, motorcycles, and other related moving vehicles. Partner Safeco is well known for offering coverage on a variety of automobiles – from sedans to hybrids to minivans and more – as well as pickup trucks and RVs. Between the two of us, we promise that your vehicle will be covered.
  3. I don’t live near your companies and so I can’t get insurance. False! Your local agents from both Safeco and the F.W.F Insurance Agency can offer highly personalized advice on auto insurance coverage that’s right for you, no matter where you live.
  4. It will take me too long to get covered. False! If you work with an F.W.F Insurance Agency Representative through Safeco, you can get an auto insurance quote in about five minutes, and a policy that’s right for you in only a few minutes more than that!

Getting affordable car insurance is more than just possible: it’s easier than most people realize. So don’t take a chance that you may not be able to afford – you can get all the coverage you need, not just the coverage that’s required, even on a budget.

Anyone interested in learning more about the services of the F.W.F Insurance Agency or its partner company should click here to contact the F.W.F.

Did you know that when someone owns a car, they are required by state law to purchase a basic auto insurance plan? In a country where the average household owns two cars, that means that millions of Americans are required by law to purchase auto insurance.

Image courtesy of

A good auto insurance plan is one of the most important insurance plans anyone can have. Unfortunately, the truth is that too many people only purchase the insurance that their state requires, which provides a bare minimum amount of coverage. These people often point out that they are very good drivers and that the extra insurance coverage is not necessary; other times, they explain that they do not think they are financially able to afford more than a minimum coverage plan.

Anyone purchasing or that has already purchased auto insurance must consider this: most states only require liability coverage. This type of coverage will help a car owner if they cause a wreck that injures another driver, or one that damages his or her vehicle. However, this basic coverage does not provide a car owner with any assistance if are the victim of a hit-and-run or theft. Worst of all, this basic insurance will not help cover the cost of repairs if the car owner causes a wreck.

The Fisher Widmann Flick Insurance Agency (F.W.F Insurance) is the place to go if you’re looking for comprehensive, affordable auto insurance coverage. We are more than happy to work with car owners in the Johnstown area, as well as in Blaire County, Cambria County, Somerset, Latrobe, and all other surrounding areas. With our personalized assistance and local contacts there to help, and by using our connections with 15 major insurance companies, our insurance sales team at F.W.F. can help ensure that you purchase the best auto insurance package for your individual needs that matches your personal budget.

For more information about the F.W.F. and the coverage that it can help you find, please contact their staff by clicking here.

Located in Johnstown, PA., the Fisher Widmann Flick Insurance Agency (F.W.F Insurance) has operated and sold personal and commercial insurance to both municipalities and individuals across central Pennsylvania since 1983.

The result of a merger between the Fisher Agency and the Widmann Fronheiser Insurance Agency, business has expanded rapidly at the F.W.F. over the years. Currently, F.W.F insures over 200 municipalities and fire companies and over 2,000 other customers throughout the area. F.W.F is rated as one of the largest insurance agencies in the tri-county, doing approximately $11 million in business annually.

F.W.F is a unique business in that it offers a wide range of insurance for both commercial and personal uses. F.W.F. insures municipalities, townships, and boroughs, while also providing property insurance, home insurance, healthcare and health insurance, and auto insurance, just to name a small sampling of its services. Other agencies in the state of Pennsylvania frequently come to F.W.F. for service offerings. Its staff of eight people represents a total of 15 major insurance companies, ensuring that any necessary commercial and personal insurance needs are covered.

F.W.F. has prepared to take its services one step further and partnered with Safeco Insurance, a Liberty Mutual-owned company. Liberty Mutual Insurance ranks on the Fortune 100 list of the largest U.S. corporations. The company has financial strength ratings of A (Excellent) from the A.M. Best Company, A2 (Good) from Moody’s Investors Service, and A- (Strong) from Standard & Poor’s.


Safeco has been protecting individuals and families with personal insurance coverage since 1923, and currently offers auto, home, boat, motorcycle and RV insurance. Safeco is well known for offering customizable, comprehensible insurance packages, and for providing thorough coverage. Safeco also makes it a point to partner with independent agents who live and work in local communities, ensuring that people can work with local experts when purchasing, using or changing their insurance.

Whether you need personalized insurance for yourself or insurance for your entire municipality or township, the Fisher Widmann Flick Insurance Agency (F.W.F Insurance) is the place to go for insurance in central Pennsylvania.

A business with roots that go back as far as 1910, the F.W.F.’s expanded service now covers and insures over 200 municipalities and fire companies and over 2,000 other customers in Pennsylvania. The F.W.F. offers a comprehensive range of insurance for both commercial and personal needs; additionally, in a competitive market for health insurance, the F.W.F.’s health insurance programs stand out in central Pennsylvania.

Currently, the F.W.F. not only offers insurance to individuals: it also covers municipalities, townships and more. With the F.W.F.’s personalized assistance and local contacts there to help, any individual, business or township can quickly sort through a variety of options and health insurance packages before buying the most comprehensive yet affordable insurance plan for their individual needs, ensuring that an individual, or even an entire municipality or township’s employees, are all insured against the risk of incurring medical expenses.

With connections to a total of 15 major insurance companies, the F.W.F. and its dedicated staff promise that any necessary commercial and personal insurance needs will be covered and protected in the best plan for any individual or township; the company’s reach stretches across the state, even insuring Robinson Township in the Pittsburgh, PA. area.

Currently the F.W.F is rated as one of the largest insurance agencies in the tri-county, doing approximately $11 million in business annually. Other agencies in the state of Pennsylvania frequently come to F.W.F. for service offerings.

For more information about the F.W.F. and its multiple insurance options, from health insurance to auto insurance and more, please contact their staff by clicking here.