As an independent insurance agency, R.H. Larkin Inc. works with many insurance companies and can help you compare protection and prices to find the coverage and value that’s right for you.

Auto Insurance

We’re your local agents —  members of the Clarence community. We know how to get the right insurance for your personal or commercial automobile, and recreational vehicles such as, boat, motorcycle, snowmobile, antique auto.

Whether your hitting the winter trails, taking a summer road trip, or just driving the daily commute, we can help you find the right insurance for you. Contact us to discuss your insurance needs today.

When you have a comprehensive auto insurance policy in place, you can drive confidently on the roads knowing that you are protected. The right auto insurance policy will protect you and your car from fire, theft, bodily injury, medical expenses, property damage, and of course, car accidents. Depending on the coverage options you choose to obtain under your customized auto insurance policy, you may receive legal expense coverage as well.

Homeowners Insurance

Insuring the place you call home can help protect you financially if you suffer a loss due to fire, theft, vandalism, or other covered events. It will also cover you in the event someone is injured while on your property.

Homeowners policies differ by which losses are covered, which coverages you choose, and what type of residence you own. You choose which policy is best for you, whether it’s a comprehensive policy that cover losses such as fire, vandalism and theft of personal property, or whether it’s a policy that covers only specified losses.

R.H. Larkin Inc. can help you find the home insurance that will best meet your needs and provide the most valuable combination of tailored coverage, quality service, and fair pricing. Whether you own a house, apartment, or condominium — the right home insurance policy can provide you peace of mind as well as the money you need to repair or replace your home and/or belongings. Contact us for more information today!

Business Insurance

Unforseen events such as a major fire, natural disaster, lawsuit, theft, or even computer/cyber crime can cause a business to shut its doors for a day, a week or in some cases forever, and in doing so they run the risk of losing valued clients. Don’t wait for disaster to hit or a loss to occur to find out that your insurance protection is inadequate. Planning for the unexpected is key when owning and operating a business. A Business Owners Policy can provide you with the coverage you need to maintain the well-being of your company in the event of a loss.

Are you a small or mid-size operating business? Insurance is one of the most important assets that any business whether small or medium needs. Depending on the type of business you are operating, it could include a number of different types of insurance coverages. We also offer several programs designed to cover artisans contractors.

How about coverage for your business property, business interruption or a lawsuit? Let’s be honest! In today’s economic environment Business Owners are especially vulnerable to lawsuits. A lawsuit brought against a business could potentially threaten the continued operation of the business as well as the owner’s financial well being. Liability Insurance can help provide resources to defend claims brought against you and your business.