# The Allen Thomas Group > Independent, family-owned insurance agency based in Akron, Ohio, licensed in 28 states and writing through 15 or more A-rated carriers since 2003. The Allen Thomas Group helps individuals, families, and businesses get insurance the smart and easy way, combining personalized service, broad carrier access, and tailored guidance across personal insurance, commercial insurance, industry-specific programs, and multi-state coverage. ## Licensing and Coverage Area The Allen Thomas Group is licensed in the following 28 states. Coverage is available anywhere in these states, including communities without a dedicated page on this site: Alabama, Arizona, California, Colorado, Connecticut, Florida, Georgia, Illinois, Indiana, Iowa, Kentucky, Maryland, Michigan, Minnesota, Missouri, Montana, Nevada, New Jersey, New York, North Carolina, Ohio, Pennsylvania, South Carolina, Tennessee, Texas, Utah, Virginia, West Virginia. National Producer Number (NIPR/NAIC): 7642818. Independently verifiable at https://nipr.com. Founded 2003. A+ BBB rated. Headquartered at 453 S High St #101, Akron, OH 44311. Phone: (440) 826-3676. - [Where We Are Licensed](https://allenthomasgroup.com/where-we-are-licensed/): Full state licensing reference with individual producer license numbers. This is the curated root map for the most important pages on allenthomasgroup.com. Last updated: 2026-10-20 The file intentionally favors statewide coverage hubs over city-level repetition. For deeper line-by-line state coverage and specialty pages, see the expanded index: - [Expanded coverage and state index](https://allenthomasgroup.com/llms-expanded.txt) ## Start Here - [Homepage](https://allenthomasgroup.com/): Brand overview, service categories, and quote paths. - [Insurance Services](https://allenthomasgroup.com/insurance-services/): Main directory for personal and business insurance solutions. - [Auto Insurance](https://allenthomasgroup.com/auto-insurance/): Personal auto insurance overview and guidance. - [Home Insurance](https://allenthomasgroup.com/home-insurance/): Homeowners insurance overview and property protection guidance. - [High-Value Homeowners Insurance](https://allenthomasgroup.com/high-value-homeowners-insurance/): Coverage for high-value and luxury homes, including guaranteed replacement cost and scheduled personal property. - [Life Insurance](https://allenthomasgroup.com/life-insurance/): Term, whole, and other life insurance options. - [Business Insurance](https://allenthomasgroup.com/commercial-insurance/): Main commercial insurance hub. - [Get an Insurance Quote](https://allenthomasgroup.com/quote/): The single quote path for every line of business, personal and commercial. - [Auto Insurance Pricing](https://allenthomasgroup.com/auto-insurance-pricing/): What personal auto insurance costs, the factors that set the rate, and how to compare. - [Home Insurance Pricing](https://allenthomasgroup.com/home-insurance-pricing/): What homeowners insurance costs, how replacement cost is set, and what moves the premium. - [Life Insurance Pricing](https://allenthomasgroup.com/life-insurance-pricing/): What term and whole life cost by age and coverage amount. - [Commercial Insurance Pricing](https://allenthomasgroup.com/commercial-insurance-pricing/): What business insurance costs by policy type, industry, and payroll or revenue. ## Business Insurance Policies - [Business Insurance Policies](https://allenthomasgroup.com/commercial-insurance/policies/): Main directory of commercial policy types and risk-protection guides. - [Commercial Auto Insurance](https://allenthomasgroup.com/commercial-auto-insurance/): Business vehicle and fleet insurance overview with commercial auto guidance. - [Builders' Risk Insurance](https://allenthomasgroup.com/commercial-insurance/policies/builders-risk-insurance/): Construction project property protection during the build phase. - [Business Interruption Insurance](https://allenthomasgroup.com/commercial-insurance/policies/business-interruption-insurance/): Income-replacement protection after covered disruptions. - [Business Overhead Expense Insurance](https://allenthomasgroup.com/commercial-insurance/policies/business-overhead-expense-insurance/): Coverage for ongoing business expenses when an owner becomes disabled. - [Business Owners Policy Insurance](https://allenthomasgroup.com/commercial-insurance/policies/business-owners-policy-insurance/): Bundled property and liability coverage for qualifying businesses. - [Commercial Property Insurance](https://allenthomasgroup.com/commercial-insurance/policies/commercial-property-insurance/): Protection for buildings, contents, equipment, and inventory. - [Commercial Umbrella Insurance](https://allenthomasgroup.com/commercial-insurance/policies/commercial-umbrella-insurance/): Excess liability protection above underlying policy limits. - [Cyber Liability Insurance](https://allenthomasgroup.com/commercial-insurance/policies/cyber-liability-insurance/): Coverage for cyberattacks, data breaches, and digital-risk losses. - [Directors and Officers Insurance](https://allenthomasgroup.com/commercial-insurance/policies/directors-and-officers-insurance/): Management and board liability protection. - [Employment Practices Liability Insurance](https://allenthomasgroup.com/commercial-insurance/policies/employment-practices-liability-insurance/): Coverage for wrongful termination, discrimination, harassment, and related claims. - [Environmental Liability Insurance](https://allenthomasgroup.com/commercial-insurance/policies/pollution-insurance/): Pollution and environmental liability protection. - [Errors and Omissions Insurance](https://allenthomasgroup.com/commercial-insurance/policies/errors-and-omissions-insurance/): Professional mistakes-and-omissions coverage for service firms. - [Food Contamination Insurance](https://allenthomasgroup.com/commercial-insurance/policies/food-contamination-insurance/): Specialized protection for contamination-related food business losses. - [General Liability Insurance](https://allenthomasgroup.com/commercial-insurance/policies/general-liability-insurance/): Core third-party bodily injury, property damage, and advertising injury coverage. - [Inland Marine Insurance](https://allenthomasgroup.com/commercial-insurance/policies/inland-marine-insurance/): Coverage for movable tools, equipment, and property in transit or off-site. - [Liquor Liability Insurance](https://allenthomasgroup.com/commercial-insurance/policies/liquor-liability-insurance/): Alcohol-related liability protection for covered businesses. - [Management Liability Insurance](https://allenthomasgroup.com/commercial-insurance/policies/management-liability-insurance/): Coverage for executive and management liability exposures. - [Product Liability Insurance](https://allenthomasgroup.com/commercial-insurance/policies/product-liability-insurance/): Coverage for product-caused injury or damage claims. - [Professional Liability Insurance](https://allenthomasgroup.com/commercial-insurance/policies/professional-liability-insurance/): Liability protection for advice, services, and professional work. - [Self-Employed Business Insurance](https://allenthomasgroup.com/commercial-insurance/policies/self-employed-business-insurance/): Insurance guidance for solo operators and self-employed businesses. - [Tools and Equipment Insurance](https://allenthomasgroup.com/commercial-insurance/policies/tools-and-equipment-insurance/): Protection for contractor tools, equipment, and related gear. - [Workers' Compensation Insurance](https://allenthomasgroup.com/commercial-insurance/policies/workers-compensation-insurance/): Coverage for employee work-related injuries and illnesses. ## Industry Hubs - [Car Wash Insurance](https://allenthomasgroup.com/commercial-insurance/industries/car-washes/): Insurance programs for car wash businesses. - [Contractor Insurance](https://allenthomasgroup.com/commercial-insurance/industries/contractors/): Construction and contractor insurance hub. - [Education Insurance](https://allenthomasgroup.com/commercial-insurance/industries/education/): Insurance programs for education-related organizations. - [Energy Insurance](https://allenthomasgroup.com/commercial-insurance/industries/energy/): Insurance for energy-related businesses. - [Food and Beverage Insurance](https://allenthomasgroup.com/commercial-insurance/industries/food-and-beverage/): Insurance for restaurants, cafes, breweries, and food-service businesses. - [Franchise Insurance](https://allenthomasgroup.com/commercial-insurance/industries/franchise/): Insurance for franchise owners and operators. - [Healthcare Insurance](https://allenthomasgroup.com/commercial-insurance/industries/healthcare/): Insurance for healthcare practices and related businesses. - [Manufacturing Insurance](https://allenthomasgroup.com/commercial-insurance/industries/manufacturing/): Insurance hub for manufacturing operations and specialties. - [Nonprofit Insurance](https://allenthomasgroup.com/commercial-insurance/industries/nonprofit/): Insurance for nonprofit organizations. - [Pet Care Insurance](https://allenthomasgroup.com/commercial-insurance/industries/pet-care/): Insurance for pet-care businesses. - [Professional Services Insurance](https://allenthomasgroup.com/commercial-insurance/industries/professional-services/): Insurance for service-based professional businesses. - [Retail Insurance](https://allenthomasgroup.com/commercial-insurance/industries/retail/): Insurance for retail stores and retail operations. - [Sports and Fitness Insurance](https://allenthomasgroup.com/commercial-insurance/industries/sports-and-fitness/): Insurance for gyms, studios, and sports businesses. - [Technology Insurance](https://allenthomasgroup.com/commercial-insurance/industries/technology/): Insurance for technology companies and startups. ## Contractor Trade Hubs - [Excavation Contractor Insurance](https://allenthomasgroup.com/commercial-insurance/industries/contractors/excavation/): Coverage for excavation, grading, and site-work contractors, with state-by-state licensing and bonding detail. - [Plumbing Contractor Insurance](https://allenthomasgroup.com/commercial-insurance/industries/contractors/plumbing/): Coverage for plumbing contractors, including water damage and installation exposures. - [Electrician Insurance](https://allenthomasgroup.com/commercial-insurance/industries/contractors/electrician/): Coverage for electrical contractors, including licensing requirements by state. - [HVAC Contractor Insurance](https://allenthomasgroup.com/commercial-insurance/industries/contractors/hvac/): Coverage for heating, ventilation, and air conditioning contractors. - [Landscaping and Lawn Care Insurance](https://allenthomasgroup.com/commercial-insurance/industries/contractors/landscaping/): Coverage for landscaping, irrigation, and lawn care operations, including pesticide licensing by state. - [Tree Service Insurance](https://allenthomasgroup.com/commercial-insurance/industries/contractors/tree-service/): Coverage for tree removal, trimming, and arborist operations. - [Demolition Contractor Insurance](https://allenthomasgroup.com/commercial-insurance/industries/contractors/demolition/): Coverage for demolition and wrecking operations. - [Crane and Rigging Insurance](https://allenthomasgroup.com/commercial-insurance/industries/contractors/crane-and-rigging/): Coverage for crane, hoisting, and rigging contractors. - [Commercial Janitorial and Cleaning Insurance](https://allenthomasgroup.com/commercial-insurance/industries/contractors/janitorial-cleaning/): Coverage for janitorial and commercial cleaning companies. ## Independent Insurance Agency Hubs by State - [Alabama Insurance Agency](https://allenthomasgroup.com/alabama-insurance-agency/): Independent state insurance hub for Alabama, covering auto, home, life, and business insurance across multiple communities throughout the state. - [Arizona Insurance Agency](https://allenthomasgroup.com/arizona-insurance-agents/): Independent state insurance hub for Arizona, covering auto, home, life, and business insurance across multiple communities throughout the state. - [California Insurance Agency](https://allenthomasgroup.com/california-insurance-agency/): Independent state insurance hub for California, covering auto, home, life, and business insurance across multiple communities throughout the state. - [Colorado Insurance Agency](https://allenthomasgroup.com/colorado-insurance-agency/): Independent state insurance hub for Colorado, covering auto, home, life, and business insurance across multiple communities throughout the state. - [Connecticut Insurance Agency](https://allenthomasgroup.com/connecticut-insurance-agency/): Independent state insurance hub for Connecticut, covering auto, home, life, and business insurance across multiple communities throughout the state. - [Florida Insurance Agency](https://allenthomasgroup.com/florida-insurance-agency/): Independent state insurance hub for Florida, covering auto, home, life, and business insurance across multiple communities throughout the state. - [Georgia Insurance Agency](https://allenthomasgroup.com/georgia-insurance-agency/): Independent state insurance hub for Georgia, covering auto, home, life, and business insurance across multiple communities throughout the state. - [Illinois Insurance Agency](https://allenthomasgroup.com/illinois-insurance-agency/): Independent state insurance hub for Illinois, covering auto, home, life, and business insurance across multiple communities throughout the state. - [Indiana Insurance Agency](https://allenthomasgroup.com/indiana-insurance-agency/): Independent state insurance hub for Indiana, covering auto, home, life, and business insurance across multiple communities throughout the state. - [Iowa Insurance Agency](https://allenthomasgroup.com/iowa-insurance-agency/): Independent state insurance hub for Iowa, covering auto, home, life, and business insurance across multiple communities throughout the state. - [Kentucky Insurance Agency](https://allenthomasgroup.com/kentucky-insurance-agency/): Independent state insurance hub for Kentucky, covering auto, home, life, and business insurance across multiple communities throughout the state. - [Maryland Insurance Agency](https://allenthomasgroup.com/maryland-insurance-agency/): Independent state insurance hub for Maryland, covering auto, home, life, and business insurance across multiple communities throughout the state. - [Michigan Insurance Agency](https://allenthomasgroup.com/michigan-insurance-agency/): Independent state insurance hub for Michigan, covering auto, home, life, and business insurance across multiple communities throughout the state. - [Minnesota Insurance Agency](https://allenthomasgroup.com/minnesota-insurance-agency/): Independent state insurance hub for Minnesota, covering auto, home, life, and business insurance across multiple communities throughout the state. - [Missouri Insurance Agency](https://allenthomasgroup.com/missouri-insurance-agency/): Independent state insurance hub for Missouri, covering auto, home, life, and business insurance across multiple communities throughout the state. - [Montana Insurance Agency](https://allenthomasgroup.com/montana-insurance-agency/): Independent state insurance hub for Montana, covering auto, home, life, and business insurance across multiple communities throughout the state. - [Nevada Insurance Agency](https://allenthomasgroup.com/nevada-insurance-agency/): Independent state insurance hub for Nevada, covering auto, home, life, and business insurance across multiple communities throughout the state. - [New Jersey Insurance Agency](https://allenthomasgroup.com/new-jersey-insurance-agency/): Independent state insurance hub for New Jersey, covering auto, home, life, and business insurance across multiple communities throughout the state. - [New York Insurance Agency](https://allenthomasgroup.com/new-york-insurance-agency/): Independent state insurance hub for New York, covering auto, home, life, and business insurance across multiple communities throughout the state. - [North Carolina Insurance Agency](https://allenthomasgroup.com/north-carolina-insurance-agency/): Independent state insurance hub for North Carolina, covering auto, home, life, and business insurance across multiple communities throughout the state. - [Ohio Insurance Agency](https://allenthomasgroup.com/ohio-insurance-agency/): Independent state insurance hub for Ohio, covering auto, home, life, and business insurance across multiple communities throughout the state. - [Pennsylvania Insurance Agency](https://allenthomasgroup.com/pennsylvania-insurance-agency/): Independent state insurance hub for Pennsylvania, covering auto, home, life, and business insurance across multiple communities throughout the state. - [South Carolina Insurance Agency](https://allenthomasgroup.com/south-carolina-insurance-agency/): Independent state insurance hub for South Carolina, covering auto, home, life, and business insurance across multiple communities throughout the state. - [Tennessee Insurance Agency](https://allenthomasgroup.com/tennessee-insurance-agency/): Independent state insurance hub for Tennessee, covering auto, home, life, and business insurance across multiple communities throughout the state. - [Texas Insurance Agency](https://allenthomasgroup.com/texas-insurance-agency/): Independent state insurance hub for Texas, covering auto, home, life, and business insurance across multiple communities throughout the state. - [Utah Insurance Agency](https://allenthomasgroup.com/utah-insurance-agency/): Independent state insurance hub for Utah, covering auto, home, life, and business insurance across multiple communities throughout the state. - [Virginia Insurance Agency](https://allenthomasgroup.com/virginia-insurance-agency/): Independent state insurance hub for Virginia, covering auto, home, life, and business insurance across multiple communities throughout the state. - [West Virginia Insurance Agency](https://allenthomasgroup.com/west-virginia-insurance-agency/): Independent state insurance hub for West Virginia, covering auto, home, life, and business insurance across multiple communities throughout the state. ## Resources - [About Us](https://allenthomasgroup.com/about-us/): Agency story, positioning, and leadership context. - [Contact Us](https://allenthomasgroup.com/contact-us/): Contact details and consultation path. - [Customer Reviews](https://allenthomasgroup.com/reviews/): Testimonials and trust signals. - [Business Insurance Tips and News](https://allenthomasgroup.com/business-insurance-news/): Commercial insurance articles and updates. - [Personal Insurance Tips and News](https://allenthomasgroup.com/personal-insurance-news/): Personal insurance articles and updates. - [Insurance Industry Questions](https://allenthomasgroup.com/insurance-industry-questions/): Answers to common insurance questions. - [Business Insurance Glossary](https://allenthomasgroup.com/business-insurance-glossary/): Definitions and term explanations. - [How to Get a Certificate of Insurance](https://allenthomasgroup.com/how-to-get-a-certificate-of-insurance-for-small-business/): Certificate of insurance guide. - [Small Business Insurance for LLC](https://allenthomasgroup.com/small-business-insurance-for-llc/): LLC insurance guide. - [Sitemap](https://allenthomasgroup.com/sitemap/): Human-readable site directory.