A little bit about Mike:
I am San Francisco native that has 49 years of experience in the insurance industry.
I am a truly independent insurance broker that serves the needs of my clients first. I have many insurance companies at my disposal.
My philosophy is to fully understand my client’s true exposures, decide on the best coverage and then have various insurance carriers compete for their business “apples to apples”.
The result is usually the best coverage and price deal for my clients.
Companies at my disposal; Hartford, CNA, Travelers, Capital Insurance Group, Liberty Mutual, Foremost, Republic Indemnity and many more.
Michael H. Dwyer - President
Areas of Practice
NOn-PROFIT ORGaNIZATIONS
It is wise for any non-profit organization to have its insurance reviewed every two years, or three years if there have been no changes in operation. Never assume your policies will cover you without double checking your exposures versus your coverage.An uncovered, or partially covered loss, could be devastating to any non-profit organization.
HOME
No two homes are the same. Yours is unique to you and requires insurance that fits YOUR needs, not the needs of the carrier. As an independent insurance broker for nearly 50 years, I know how to design coverage that fits your needs and your wallet.
HEALTH
You will see a lot of ads on life and health insurance. The truth is you must make “informed decisions” about health insurance. There are a myriad of plans with different co-pays, deductibles etc.
LIFE
Did you ever wonder why they call it LIFE insurance? Obviously you will never file a claim on the policy. However, someone else will. There are many options and variables to select the best life insurance option for your personal needs. Many are complex in structure.
Business
In a world of mass cost cutting, the insurance industry relies far too heavily on “shelf type” policies for insuring business. While there may be similarities in certain industries, each business is unique and may have unknown exposures to loss.
From the smallest “mom and pop” store to the larger Multi Million dollar companies, all businesses need insurance representation that goes the “extra mile” in evaluating the needs of your business.
At Dwyer Insurance we constantly evaluate the needs of our clients and find the best solution matching coverage and price.