"I thought insurance was a commodity like pipe or sheet metal." This is how a client began a story about how he had chosen his previous insurance agent and company. "The other agent had a great price but did not explain the coverage, and when I had a claim the policy did not pay out as I expected – the coverage had gaping holes! What resulted was an exclusion for an auto accident that cost me a great deal of money- I learned the hard way, insurance is not a commodity!" Morgan Marrow has developed a unique Risk Management program for the Plumbing, Mechanical and HVAC industry. Your exposures require an agency that understands your business. Our practice experts do continuing education in your business. They are members of professional contractor associations and have worked in the industry. Some of the services we provide our clients

• OSHA Ten Hour Certification
• Driver Improvement Training
• Motor Vehicle and Criminal Background checks
• Coverage audits to make sure nothing is missed
• Bonding capability for frequent and infrequent bonded jobs

We are a "service first" insurance agency! Arranging coverage is only the first step in working with our clients. We strive to go above and beyond your expectations at all times during our relationship. Contact your Morgan Marrow Plumbing/Mechanical and HVAC practice experts:

Matthew L. Wilson

Jason P. Magruder, CLCS