EASTERN STATES INSURANCE has been serving the insurance and risk management needs of businesses throughout the United States since 1972. Founded by William L. Johnson, Eastern States Insurance is currently owned and operated by Newton, Oscar and Anthony Johnson, sons of the founder.      Many Eastern States clients have chosen us for our timely and consistent service — something national insurance brokers and direct writers have been unable to provide. Others simply have out-grown small, general purpose agencies that lack the personnel, underwriting relationships and customer knowledge needed to satisfy the specialized industries served by Eastern States.

Unlike most large agencies, which grow by acquisition, Eastern States' growth is due to an ever-expanding list of clients within our chosen industries of expertise. We satisfy these customers by consistently accessing and structuring the most appropriate and cost-effective policies available. And we service them by employing insurance professionals with a proven record of servicing, underwriting, pricing and placing complex commercial coverages. Only then, can we offer our clients insurance programs tailored to their particular operations.      It is our knowledge of two industries — yours and ours — that enables us to create and maintain insurance and other risk management alternatives that provide savings for our clients. Deductibles, self-insured retentions, and loss-sensitive rating plans are among the options we routinely explore. Approaches to risk transfer are no less important, whether in the context of helping our clients contractually place risk elsewhere, or in terms of minimizing the contractual risks assumed by our clients themselves. Situations involving leased buildings and equipment, subcontractors and leased employees are among the common issues that invariably call for careful review relative to potential transfer of risk.       At Eastern States Insurance, our goal is to develop a "partnership" with each of our clients. Like you, we're in this for the long term.