About Us

Pratt Insurance Agency, LLC insures Girard, PennsylvaniaThe Pratt Insurance Agency is a second generation agency that was founded in 1972 by Lou Pratt. Lou was hired by the co-founder of Erie Insurance, H.O. Hirt, with a stern reminder to always take care of the customer. Lou took this philosophy to heart and applied it to the agency “to provide our policyholders with as near perfect protection, as near perfect service as is humanly possible, and to do so at the lowest possible cost.” Our agency has continued to grow along with Erie Insurance for over 40 years.

Andy Pratt took the reins of the agency in 2012. With more than a decade of insurance knowledge and keeping abreast of the ever changing market place, the original philosophy has remained the same. We support and are involved with many local projects and community events in Girard, Pennsylvania. Investing in the community where we work and live is important in many ways, but most importantly, it is a way for us to give something tangible back to our policy holders. Whether it’s providing tee shirts for little league teams or painting the town purple for Relay for Life, our agency is always ready to lend a hand.

Pratt Insurance Agency provides quality and value added service for our clients in both a personal and professional manner. We hear something new every day: a problem that needs a solution. We have specialty carriers to help us find those solutions for your unique insurance needs. Whether you are interested in a policy for your Auto, Home, Life or Business, we work to find you the best possible affordable coverage.

Insurance is something you need, but it isn’t something you can hold in your hand. We are selling you a piece of paper and a promise. If a catastrophe strikes, we will be standing by your side to fulfill that promise. Our employees at Pratt Insurance Agency aren’t just insurance professionals; we are your friends and neighbors. You know us and we know you.

An Independent Advantage

We are Independent Agents, free to choose the best carrier for your insurance needs. We do not work for an insurance company; we work for you. We work on your side when you have a loss and follow through to see that you get fair, prompt payment and service. Pratt Insurance Agency represents a carefully selected group of financially strong, reputable insurance companies, therefore, we are able to offer you the best coverage at the most competitive price.

What is an Independent Insurance Agent?

When you decide to buy a car, you wouldn’t purchase the first one you see. What if one day the automobile industry decided to make only one type of car, one make and one model. You wouldn’t have a choice!

The same situation holds true for insurance. You need insurance to drive a car, to purchase a house, to protect your family’s financial future and to run a small business. But if there was only one insurance company that offered only one type of insurance, car insurance, home insurance or businessowner policy — you wouldn’t have a choice. The only solution would be going to that one company.

With an independent insurance agent, you have choices. Independent agents are not tied to any one insurance company. One of the advantages of using an independent agent is that he or she works to satisfy your needs. You are using an expert for an important financial decision.

An independent agent has several companies that he or she can approach to get you the best coverage at the best price. And your independent agent will know the companies with the most efficient claims departments to recover your losses as quickly as possible.

When you buy insurance, whether it’s for your home, your car or your business, you want an advocate who will properly assess the risks you face and give you an objective analysis of the marketplace, it’s up to you to make the final choice.

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