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What We Cover

Auto Insurance

Car insurance isn’t just about protecting your vehicle – it’s about peace of mind on every trip. Whether it’s an accident, a fender-bender, or an unexpected road incident, the right coverage helps you handle the unexpected with confidence. Knowing your options means staying prepared and keeping your journey on the road as safe as possible.

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Home Insurance

Your home is where life happens, from everyday moments to lifelong memories. Home insurance offers more than protection for your property – it gives you the confidence to face unexpected events, safeguard what matters most, and rebuild when life takes an unexpected turn.

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Life Insurance

Life insurance is a key part of protecting your family’s future. It helps ensure your loved ones are cared for, shields them from unexpected financial burdens, and provides peace of mind knowing they’ll be supported no matter what happens.

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Commercial

Commercial insurance is essential for protecting your business, your employees, and your clients. It helps manage risks, maintain financial stability, and keep your operations running smoothly, so you can focus on growth and success even when unexpected challenges arise.

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Specialty Products

Specialty insurance goes beyond standard coverage, protecting your motorcycle, RV, boat, or classic car so you can fully enjoy your passions. With tailored protection, you can hit the road or the water with confidence, knowing you’re prepared for life’s unexpected twists.

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Events

From small gatherings to large celebrations, event insurance gives you the confidence to host without worry. Our tailored coverage protects against unexpected mishaps, letting you focus on creating memorable experiences while staying fully safeguarded.

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Farm Insurance

Farming is more than a business – it’s a way of life. Farm insurance provides dependable protection for your land, livestock, and equipment, safeguarding what you’ve built against unforeseen challenges while supporting the future of your farm.

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Got Questions for Us?

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We are a proud partner of IPA.

Everett office

127 West Main Street
Everett, PA 15537

 

tel: 814-652-2711
info@shetterinsurance.com

Bedford office

119 S Richard St
Bedford, PA 15522

 

tel: 814-623-9749
info@shetterinsurance.com

Altoona office

305 Union Ave
Altoona, PA 16602

 

tel: 814-944-4651
info@shetterinsurance.com

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Auto Insurance

Having the right auto insurance policy can help protect you financially if you are involved in an accident or your vehicle is damaged. An auto insurance policy is designed to provide you with a layer of protection against property, liability and medical costs following an accident. But choosing the right auto insurance can be overwhelming. Reach out to our agency today to learn more about auto insurance and find the policy that’s right for you.

What Do Auto Insurance Policies Cover?

Depending on the policy you choose, your coverages will vary. Here are some of the most popular coverages:

  • Collision insurance—This portion of your policy helps cover damage costs if you are involved in a collision.
  • Liability insurance—If you are at fault in a wreck, this type of coverage helps insure you against any damage you cause others. Most states, including Pennsylvania, require drivers to carry minimum amounts of liability insurance. There are two kinds of coverage included in liability insurance:
    • Property damage liability—This coverage helps pay for damage to the other driver’s property (e.g., their car).
    • Bodily injury liability—This coverage helps pay for medical bills and sometimes death benefits for the other person involved in the wreck.
  • Medical payments (MedPay) insurance—This portion of your policy helps you pay for the medical bills of you and your passengers if you are involved in an accident.
  • Uninsured/underinsured motorist insurance—This type of coverage helps you cover the cost of damages caused by someone who doesn’t have adequate auto insurance, specifically liability coverage.
  • Comprehensive insurance—This portion of your policy covers damages that are not related to a wreck, such as theft, weather damage or vandalism.

There may be additional coverages that will be necessary based on your unique situation. Be sure to ask our agency how we can tailor your auto coverage to your needs.

How to Get Auto Insurance

GMS Insurance LLC is committed to helping you find a policy to fit your specific needs. Reach out to us today to start the conversation or to get a quote.

Homeowners Insurance

A standard homeowners insurance policy insures the home itself and the things you keep inside. By having homeowners insurance, you can financially protect yourself if there’s an accident. Contact our agency today to learn more about homeowners insurance or to get a no-obligation quote.

What Is Homeowners Insurance?

Home insurance is a package policy, which means that it covers damage to your property after a covered loss and your liability or legal responsibility for any injuries and property damage you or members of your family cause to other people. There are usually additional coverages or endorsements, also called riders, that you can add to the standard coverages provided by home insurance to ensure adequate protection.

Do I Need Homeowners Insurance?

While purchasing a home insurance policy may not be mandated by the federal, state or local government, your lender may require proof of home insurance if you have a mortgage. Carrying appropriate homeowners insurance is always a good idea as the policy can help financially protect you if you experience a covered accident or other loss. Without home insurance, you may be left to cover the replacement or repair costs on your own following an incident.

How to Get Homeowners Insurance

If you need a homeowners insurance policy or want to evaluate whether the coverage you have is adequate, we’re here to help. Give GMS Insurance LLC a call today to get started or request your free quote now.

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Life Insurance

Life insurance can help provide financial security for you or your loved ones by replacing lost income and covering various expenses after your death or when the policy’s term is up. If you’re looking for life insurance, we’re here to help. Our agency is ready to discuss your life insurance needs and help find a policy that’s right for you.

What Is Life Insurance?

Life insurance is a contractual agreement between you (the policyholder) and the insurance company. In exchange for paying the insurer a regular premium, your beneficiaries will receive a lump-sum death benefit when you pass away or after a specific amount of time has passed.

What Are the Types of Life Insurance?

There are two primary types of life insurance, including:

  • Term life insurance—A term life policy provides a death benefit to your loved ones if you die during the policy’s term. This term might be a period of 10, 20, 30 or more years, depending on the expiration date of the policy. If you do not die during this time, the policy does not pay and will expire when the term ends. You will also have to reapply for a new policy if you want to continue to have coverage.
  • Whole life insurance—A whole life policy will last for the remainder of your life once you enroll. It will not expire unless you stop paying for it. Additionally, such a policy offers cash value investment opportunities. This cash value component can enable you to receive a source of income during your lifetime (in addition to the eventual death benefit).

Several other types of life insurance also exist. Speak to one of our agents to determine which type of coverage suits your particular needs.

How to Get Life Insurance

If you’re in need of a life insurance policy, we’re here to help. Give GMS Insurance LLC a call or request a quote online to get started.

Commercial Insurance

Commercial insurance, also called business insurance or commercial business insurance, is insurance coverage designed to cover a business, including its employees and ownership. There are a wide variety of different types of business insurance available.

Having the right commercial insurance policies is a significant component of a comprehensive risk management strategy that can help protect your business’s finances. Our agency is here to help you with all of your business insurance needs. Call GMS Insurance LLC today to learn more or to get a free, no-obligation quote.

Commercial Insurance Policies

Every business’s insurance needs vary and may be influenced by company size, location, number of employees and industry. A few standard policies businesses may carry include the following:

  • General liability insurance—A policy can provide coverage for claims of bodily injury or other physical injuries, personal injury (libel or slander), advertising injury and property damage. It can be offered as a package policy with other coverages such as property, crime, automobile and more.
  • Business property insurance—Also called commercial property insurance, this coverage helps pay for damages to your company’s equipment and property after a covered accident or incident.
  • Business interruption insurance—If your business must shut down or cease operations due to a covered incident, this coverage can help replace lost income and pay for extra expenses incurred during the shutdown.
  • Commercial auto insurance—If your company has vehicles, you will likely need to secure a commercial auto insurance policy to properly insure any fleet members or employees who are drivers for your organization.
  • Professional liability insurance—This type of policy provides coverage if anyone makes a claim of negligence, misrepresentation or inaccurate advice against your business.
  • Workers’ compensation insurance—This coverage can help employees who become injured or ill due to a work-related incident receive replacement income, medical benefits and other financial assistance if they cannot work. Most states require that employers carry workers’ compensation insurance.

Depending on your business and industry, you may need to purchase other insurance policies for proper coverage. Contact GMS Insurance LLC today to discuss your insurance needs.

How to Get Commercial Insurance

If you need business insurance solutions, we’re here to help. Give GMS Insurance LLC a call today to get started.

What Are Specialty Products Insurance?

Specialty products insurance is designed to provide protection for unique assets such as boats, RVs, motorcycles, and other recreational vehicles. These policies offer coverage tailored to the specific needs and risks associated with these types of vehicles, ensuring that you can enjoy your adventures with peace of mind.

Why Choose Specialty Products Insurance?

Whether you're hitting the open road on your motorcycle, cruising the waterways in your boat, or traveling cross-country in your RV, specialty insurance covers more than just the basic liability or collision damage. For example:

  • Boats: Covers risks like damage from storms, theft, or mechanical failure.
  • Motorcycles: Offers protection against accidents, liability, and custom upgrades.
  • RVs: Ensures coverage for both the vehicle and the personal belongings stored within.

Key Benefits of Specialty Products Insurance:

  1. Customized Coverage: Each type of vehicle has its own set of risks, and specialty insurance addresses them specifically.
  2. Enhanced Protection: Beyond standard insurance, specialty policies often include accessories, gear, and vacation coverage.
  3. Peace of Mind: With specialized coverage, you’re safeguarded against unforeseen circumstances, allowing you to fully enjoy your hobbies and adventures.

How to Get Specialty Products Insurance

If you own a boat, RV, or motorcycle, or are considering purchasing one, a specialty products insurance policy provides the necessary protection tailored to your unique needs. Reach out today to discuss your options and get a customized quote.

What Is Events Insurance?

Events insurance provides protection for a wide range of events such as weddings, parties, corporate gatherings, and more. It offers coverage for the unforeseen risks and liabilities associated with hosting events, ensuring peace of mind for both event organizers and attendees.

Why Choose Events Insurance?

Events can be filled with unpredictable circumstances, and having proper insurance coverage can mitigate potential financial loss. Whether it’s liability coverage, property damage, or cancellation due to unforeseen circumstances, events insurance offers tailored protection for a variety of scenarios.

Key Benefits of Events Insurance:

  1. Liability Coverage: Protects against third-party injuries, property damage, or legal claims.
  2. Cancellation or Postponement: Covers expenses related to event cancellations due to natural disasters, emergencies, or other unforeseen events.
  3. Venue Damage: Provides financial support for damage caused to rented venues or event locations.

Customizable Coverage

Events insurance can be tailored to fit the needs of different types of events, including:

  • Weddings
  • Corporate events
  • Fundraisers
  • Concerts
  • Private parties

How to Get Events Insurance

If you're planning an event, securing events insurance ensures that you’re protected from a variety of risks, allowing you to focus on creating memorable experiences for your guests. Reach out today for a customized quote and comprehensive coverage.

WHY FARM INSURANCE?

Your farm is your livelihood, and you can never be too cautious. Since an accident can happen when you least expect it, it’s important to be prepared when potential problems arise. By being proactive with a proper farm policy, your equipment, buildings, and even lost income can be covered if an unforeseen circumstance disrupts your operations.

You’ve worked hard to build your farm into a business. GMS Insurance will work even harder to ensure that your business is protected.

We know that you work hard as a farmer, and at GMS Insurance we want to extend that same courtesy to you by keeping your farm and everything on it insured. Our insurance specialists are sensitive to your individual needs and will work with you to find a policy that best suits your farm or ranch.

Designing a specific policy with us gives you the options of coverage in the following areas:

  • Farm Owners Insurance
  • Farm Livestock Insurance
  • Equine Insurance
  • Farm Equipment Insurance
  • Farm Dwelling Insurance
  • Farm Structures Insurance
  • Farm Auto Insurance
  • Farm Umbrella Insurance
  • Farm Liability Insurance

We also specialize in the following:

Agritainment Insurance: Protecting your entertainment endeavors, such as corn mazes, hay rides, and “pick-your-own” operations.

Planning: Protecting your estate. Whether you want help planning for retirement, or ensuring your land legacy can continue for generations, we have a team of planners to assist you.

Food Processing Insurance: Protecting your food processing operations, when your business creates products from farm-harvested crops or farm-raised livestock. We have the insurance expertise you deserve.