PJS Insurance Services

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The Lowest Price for you Insurance needs requires some work. Here is some information about myself and how I can help you get to the Lowest Price and Best Coverage!

Peter J Schumacher, AINS, AIS

Yes, I have designations listed after my name....but what do they mean? More importantly, what do they mean to you?

AINS - Associate in General Insurance

This designation deals with principles of insurance, the provisions of some of the most widely used personal and commercial property and liability contracts as well as life and health policies, and the relationship between insurance theory and practice.

AIS - Associate in Insurance Services

This designation signifies that an individual working in the field of insurance has attained comprehensive training in enhanced customer focus and in total quality management .

Both designations are through The Institutes. The AINS is the first step for me in obtaining the Associate in Personal Insurance. This will be my focus for you. The AIS is my commitment to excellence in customer service and continuous improvement.

This organization handles the conferment of the Chartered Property Casualty Underwriter CPCU®.

This year my goal is the complete and obtain the API as well as the ALMI for life insurance through LOMA.

Insurance agents and brokers

Insurance agents and brokers are licensed professionals who help customers protect their Auto, Home, & Life with insurance.

What is an insurance agent?

An insurance agent is a professional who sells an insurance company’s products to consumers for a commission. An agent helps consumers select the right insurance to buy, but represents the insurance company in the transaction.

There are two types of insurance agents:

  • Captive agents typically represent only one insurer.

  • Independent insurance agents typically represent more than one insurer.

Both captive and independent agents work on commission and can execute an insurance transaction from start to finish.

What is an insurance broker?

An insurance broker is a professional who represents consumers in their search for the best insurance policy for their needs. They work closely with their clients to research coverage, terms, conditions, and price and then recommend the insurance policy that best fits the bill.

Unlike captive and independent agents, who represent one or more insurance companies, a broker’s primary duty is to the client.

Since brokers don’t represent insurance companies, they can’t bind coverage on behalf of an insurer. They must hand over the account to an insurer or insurance agent to complete the transaction.

What is the difference between an agent and a broker?

There are two main differences between insurance agents and brokers:

  • Agents represent insurers, while brokers represent consumers.

  • Agents can complete insurance sales (bind coverage), while brokers cannot.

Agents also receive appointments to represent one or more insurance companies, but brokers do not. An appointment is a contract an agent and insurer sign that outlines the products the agent can sell and for what commission.

Brokers, on the other hand, can solicit price quotes from multiple insurers. But when consumers are ready to buy, they must obtain a binder directly from an insurance agent or the insurance company.

So what is my motivation and how do I ensure that I commit to excellent customer service? There is no secret formula, there is no hidden path.

It all revolves around hard work and focus on your priorities. Along with that, is the constant practice of "The Seven Habits" by Steven Covey.

By effective listening, understanding your needs, and what matters most to you. This ensures that I will focus on Insurance solutions that are in your best interest.

A final note and disclaimer concerning this website, pjsinsures.com, PJS Insurance Services, and Peter J Schumacher, AINS, AIS

Informational statements regarding insurance coverage are for general description purposes only. Statements on this website as to polices and coverages and other content provide general information only and we provide no warranty as to their accuracy.

Note: This information is not an offer to sell insurance. Any proposal of insurance I may present to you will be based upon the values developed and exposures to loss disclosed to us on a online form/application and/or in communications with me. All coverages are subject to the terms, conditions, and exclusions of the actual policy issued.

Currently, I serve as a broker with Entrepreneur Insurance Agency, LLC that offers Personal Lines Insurance through Answer Financial Inc . As stated this serves as a pass through with final binding completed by an appointed agent of the company. With Copper Mountain Insurance Solutions , I am directly appointed with the Personal Lines Insurance companies listed on my home page.

Information provided on this website does not constitute professional advice. If you have legal, tax or financial planning questions, you need to contact a qualified professional.

Please contact my office at (602) 750-0616 to discuss specific coverage details and your insurance needs. In order to protect your privacy, please do not send me your confidential personal information by unprotected e-mail. Instead, discuss that personal information with me by phone or in person.

Thank you,

Peter J Schumacher, AINS, AIS

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(480) 269-1436