Dearden & Associates Insurance Group is a solutions-oriented full service agency, with licensed specialists that serve businesses and individuals with the proper design of Commercial Business Insurance, Workers' Compensation, Employee Benefits, Life, Health, Home, and Auto protection. In addition, we have specialty training and markets for the Technology Sector and the Agriculture Industry.
The big box stores of insurance would have you believe that you can purchase quality insurance from an online web portal - at a lower price! This simply is not true - not on premium and, most certainly, not on claim day when previously unknown gaps in coverage result in unexpected costs - sometimes with catastrophic results. Our licensed professionals take the time to get to know you, understand your unique needs, and learn your tolerance for risk.
Only then will we design the financial protection you need at the appropriate premium.
The big box stores of insurance would have you believe that you can purchase quality insurance from an online web portal - at a lower price! This simply is not true - not on premium and, most certainly, not on claim day when previously unknown gaps in coverage result in unexpected costs - sometimes with catastrophic results. Our licensed professionals take the time to get to know you, understand your unique needs, and learn your tolerance for risk.
Only then will we design the financial protection you need at the appropriate premium.
Services
Insurance Group is based in Salt Lake City, Utah, with additional offices across the United States.
We are proud to serve our commercial and individual clients across the country from Coast-to-Coast.
Dan & Sandy Dearden created Dearden & Associates as an Employee Benefits Agency, providing clients with well-designed benefit packages and exceptional service.
Their reputation for service, cost-containment, and risk management consultation spread quickly and their benefits business grew exponentially for several years.
We are proud to serve our commercial and individual clients across the country from Coast-to-Coast.
Dan & Sandy Dearden created Dearden & Associates as an Employee Benefits Agency, providing clients with well-designed benefit packages and exceptional service.
Their reputation for service, cost-containment, and risk management consultation spread quickly and their benefits business grew exponentially for several years.
What is auto insurance?
Auto insurance protects you against financial loss if you have an accident.
It is a contract between you and the insurance company.
You agree to pay the premium and the insurance company agrees to pay your losses as defined in your policy.
Liability coverage pays for your legal responsibility to others for bodily injury or property damage.
Medical coverage pays for the cost of treating injuries, rehabilitation and sometimes lost wages and funeral expenses.
An auto insurance policy is comprised of six different kinds of coverage.
Auto insurance protects you against financial loss if you have an accident.
It is a contract between you and the insurance company.
You agree to pay the premium and the insurance company agrees to pay your losses as defined in your policy.
Liability coverage pays for your legal responsibility to others for bodily injury or property damage.
Medical coverage pays for the cost of treating injuries, rehabilitation and sometimes lost wages and funeral expenses.
An auto insurance policy is comprised of six different kinds of coverage.
As a business owner, you need the same kinds of insurance coverages for the car you use in your business as you do for a car used for personal travel -- liability, collision and comprehensive, medical payments (known as personal injury protection in some states) and coverage for uninsured motorists.
In fact, many business people use the same vehicle for both business and pleasure.
If the vehicle is owned by the business, make sure the name of the business appears on the policy as the "principal insured" rather than your name.
In fact, many business people use the same vehicle for both business and pleasure.
If the vehicle is owned by the business, make sure the name of the business appears on the policy as the "principal insured" rather than your name.
What kinds of health insurance are there?
There are essentially two kinds of heath insurance: Fee-for-Service and Managed Care.
Although these plans differ, they both cover an array of medical, surgical and hospital expenses.
Most cover prescription drugs and some also offer dental coverage.
These plans generally assume that the medical professional will be paid a fee for each service provided to the patient.
Patients are seen by a doctor of their choice and the claim is filed by either the medical provider or the patient.
There are essentially two kinds of heath insurance: Fee-for-Service and Managed Care.
Although these plans differ, they both cover an array of medical, surgical and hospital expenses.
Most cover prescription drugs and some also offer dental coverage.
These plans generally assume that the medical professional will be paid a fee for each service provided to the patient.
Patients are seen by a doctor of their choice and the claim is filed by either the medical provider or the patient.
Because everyone's needs are not the same, it is best to consult your agent to help assess your needs and find the insurance policy that is right for you.
What is Homeowners insurance?
Homeowners insurance provides financial protection against disasters.
A standard policy insures the home itself and the things you keep in it.
Homeowners insurance is a package policy.
This means that it covers both damage to your property and your liability or legal responsibility for any injuries and property damage you or members of your family cause to other people.
What is Homeowners insurance?
Homeowners insurance provides financial protection against disasters.
A standard policy insures the home itself and the things you keep in it.
Homeowners insurance is a package policy.
This means that it covers both damage to your property and your liability or legal responsibility for any injuries and property damage you or members of your family cause to other people.
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