Athena Insurance and Financial Services was founded in 1996 as a Multi-lines Insurance Brokerage. The Mission of the agency formation was to carry on in the philosophy of family needs with a personal advisor. A concept learned by his teachings with the Prudential Insurance Company of America in 1980 and in advanced training with Life Underwriting Training Council as a graduate in 1983.

Today Steve is the Broker and Founder of Athena Insurance and Financial Services and is proud to be able to call himself a broker. Many people today do not have a clear picture of the types of brokers that there .. all brokers may have been created equal, but time, training and experience shape their skills differently, as do their access to Insurance carriers and their "tools."

But even the best Brokers and agents can only use those "tools" that are provided to them. If limited by their choices... you too are limited to the types of policy(ies) that you receive. By "tools" we mean the Products and Services that one company may provide. For us, we spent 11 years developing our "tools" for the consumer. And each and every year since then we re-evaluate the Companies and the "tools" we use for our client's needs. And we have lots of Companies and tools to help you!

Why do we need so many Insurance Companies? We do! Experience has shown us that certain "niche" markets exist for certain types of industries. Examples are:

1. Construction,
2. Farming,
3. Transportation,
4. Bonds,
5. Wet Marine,
6. Specialty homeowners, high value homes, low value homes, unprotected dwellings
7. Specialty vehicles, boats, yachts, motorhome's, ATV's, snow-mobiles, travel trailers and more
8. Hunting and fishing lodges, resorts
9. Collectibles
10. Production, stunts, special events...
11. Life Insurance, health insurance and dental
12. Annuity products, equity indexed annuities, immediate payout annuities, tax-deferred annuities and more
13. and many others...

The evaluation of a families needs or the evaluation of Risk management to Business' is of great importance. You will not find the Gecko or the Cartoon ads talking about risk evaluation. NO... And supporting those kinds of companies serves to undermine the the Brokers and Agencies that do provide this more advanced type of support. So, to compare the expertise of a direct writer or online services to that of the "masters" is just down right silly.

I have seen situations where consumers think they are making the correct purchasing decision based upon the surface price alone... Then when a claim occurs... and things to not go the way that they were presented... and they cannot even get advice from the person the purchased the policy thru... How do you think they feel? Do you want that to happen to you? With Athena Insurance and Financial Services this will not happen to you. . Of course not...

We may not always have the cheapest rates but we will not sell you short on advice as a client, customer services or claims assistance. Make the Wise Choice and have Peace of Mind. Contact us today for a free consultation or quote.