The Tradesman Package

If you’re an HVAC contractor, electrician, plumber, general contractor, paving company, landscaper, or in the trades - you’re probably OVERPAYING for insurance and UNDER-COVERED where it matters most!

What's Included:

  • Customized Insurance Coverage: Get tailored protection that meets your unique needs, including:

    • General Liability

    • Workers' Compensation

    • Commercial Auto

    • Tools and Equipment Coverage

  • The Switch Kit: We make transitioning your insurance coverage seamless and stress-free.

Absolutely FREE with Your Package:

  • Sub-Contractor Agreement: Essential for clear and professional engagements.

  • Protection from Massive Audits: Gain peace of mind with strategies to help you avoid large-scale audits.

  • Safety Plan Template: Easily customize this template with your own branding to create a professional safety plan.

  • Risk Mitigation Checklist: A valuable tool to help you identify and reduce potential risks.

Our Guarantee:

  • Instant Certificates of Insurance (COIs): We provide immediate COIs, with a guaranteed turnaround time of no later than 24 hours, so you can win and start jobs faster.

Experience the Savings:

  • Tradesmen who choose our package typically see savings of 10-25% on their annual insurance costs.


The Investor Package

Your insurance strategy is either fueling your portfolio’s performance - or quietly draining your cash flow. We help real estate investors increase cash flow and improve cap rates by restructuring underperforming insurance programs.


What's Included:

  • Customized Insurance Coverage: Get tailored protection for your properties, including comprehensive property coverage, general liability, and loss of rent coverage.

  • The Switch Kit: We handle the entire process of switching your insurance, making it completely hassle-free for you.

Absolutely Free with Your Package:

  • Replacement Cost Estimator: Understand the true cost to rebuild your property.

  • Loss of Rent Estimator: Accurately project potential lost income during a covered event.

Our Guarantee:

  • 48-Hour Insurance Binder Guarantee: We guarantee your insurance binder within 48 hours for closings and refinances, ensuring your deals stay on track.

Experience the Savings:

  • Typical investors who choose our package save 10-25% annually and experience an instant improvement in cash flow.

Professional Protection Package

You’ve spent years earning your credentials. You protect your clients, your patients, your reputation — now protect your practice. At My Town Advisors, we help professionals like physicians, dentists, attorneys, accountants, engineers, and consultants secure coverage that actually fits the risks they face — without overpaying.

What's Included:

  • Professional Liability (E&O / Malpractice): Coverage for mistakes, errors, or omissions in your work. Protects against lawsuits that could threaten your career.

  • Business Owners Policy (BOP): Combines general liability and property coverage for your office, computers, furnishings, and equipment.

  • Cyber Liability Insurance: Protects against data breaches, ransomware, and privacy violations — essential for client and patient data.

  • Employment Practices Liability (EPLI): Covers claims of discrimination, wrongful termination, or harassment from employees.

  • Workers’ Compensation: Required coverage that protects both you and your team if someone gets hurt on the job.

  • Commercial Umbrella Policy: Extra protection that extends your liability limits — critical for high-income professionals.

Absolutely Free with Your Package:

  • Switch Kit: We handle the messy part of moving away from your old broker.

  • Annual Policy Review: We re-shop your coverage every year to keep your costs down.

  • Risk Checklist: A custom checklist built for your specific profession.

  • Audit Protection Plan: We assist with compliance reviews and carrier audits — so you’re never on your own.

Our Guarantee:

  • If we can’t match your current coverage and save you money, we’ll tell you straight up.

  • 24-Hour Certificate of Insurance Guarantee: Get your proof of coverage fast — every time.

Experience the Savings:

  • On average, professionals who switch to My Town Advisors save 10–20% annually — and many improve their coverage limits at the same time. Our annual review process keeps your costs low year after year.