Personal Lines Insurance

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Life Insurance

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Commercial Lines Insurance

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Our Specialties

Kramer Warner

There are few limits to the kind of industries we can work with. Our goal has always been to develop long-term relationships with our carriers and with our customers. Doing so has allowed us to specialize in certain indiustry classes. The niche markets mentioned here is where we really stand out.

Fire suppression

Fire Sprinkler and suppression contractors pose a complicated insurance risk that require special attention to policy coverages and other risk management practices. Our long time experience in this niche industry will allow us to put together the most cost effective insurance program for you. Over the years some specialized topics that need to be carefully reviewed include:

Fire Sprinkler & Suppression
Professional Liability
Pollution Liability
Installation Floater
General Liability
Claims Made vs. Occurrence Form
Per Occurrence vs. Per Claim Deductibles
Residential Exclusions
Mold Exclusions
Home Health Care agencies

The aging regional population has greatly expanded the need for Home Health Care Agencies to care for the elderly. These agencies can pose a special kind of risk that needs special consideration. Some topics and coverages that need to be addressed are below that we can assist you with:

Home Health Care
General & Professional Liability
Claims Made vs. Occurrence Forms
Hired & Non Owned Auto Liability
Theft of Clients Property
Cyber & HIPPA Liability Coverage
Employment Practices Liability
Workers Compensation Rates
Commercial printers

The Printing Business can sometimes seem like it would be a straightforward risk. However given our decades long experience with this industry we have been able to work with our clients to help mitigate some unforeseen risks with specialized coverages such as:

Commercial Printers
Printers Errors & Omissions
Correction of Work Coverage
Equipment Breakdown
Labor Union insurance

Over the last 20 years we have specialized in insurance for Labor Unions. We offer the specially designed insurance products tailored for Locals and Trust Fund’s offices along with Joint Apprenticeship Training Committees. In addition to the standard coverages of workers compensation, commercial auto, commercial package and umbrella, we have access to numerous carriers that specialize in the unique union exposure such as:

Labor Unions
Fiduciary Liability
Directors & Officers
Union Liability
JATC Educators Liability
Waiver of Recourse
Scrap Metal dealers

Scrap Metal Dealers and recycling facilities pose a unique risk. These unique risks need specialized programs to meet these needs. Allow us to review your program to make sure you have the unique coverage as mentioned below. Please reach out to any one of our licensed agents for immediate assistance.

Scrap Metal Dealers
Impaired Property Coverage:

Liability caused by the insured property.

Conversion Property Coverage:

The unknowing acquisition of stock from a seller who had no legal title to the stock.

Equipment Breakdown:

Property coverage for shredders and heavy duty processing equipment.

Pollution Transportation Liability:

Coverage for the transport of hazardous materials.

Apartments & condos

As an Apartment Building & Condo association owner, being able to determine your risk for property and liability losses can be exhausting. There are a number of things to consider besides bodily injury to others, property damage liability and property perils such as a fire, water damage from leaking pipes, and storm related damages. Below are some examples that you may not think of when it comes to coverage. Let us review your policies and help you understand potential gaps in coverage.

Apartments & Condos
Business Income:

If you have a loss, there’s a good chance that your tenants will be affected and have to move somewhere temporarily until the building is repaired. This means they won’t be paying rent, which puts a big dent in your revenue stream. If you have the right business income coverage, you won’t have to worry. The insurance company will reimburse you for normal and sometimes extra expenses incurred as a result of the covered loss and loss of income.

Ordinance & Law:

This is extra coverage in addition to fire insurance that protects policyholders in the event that certain laws and ordinances are requiring you install new items in the building that were not there previously. For example, if your building did not have a sprinkler system before the loss but now is required to have one due to local ordinances, this coverage would provide you the means to install a sprinkler system at little to no cost out of your pocket. Other examples could include handicap ramps and certain electrical ordinances, so its best to check with you local municipality to find out more.


While Contractors Insurance may seem pretty straight forward there are some coverages and needs that can be unforeseen depending upon your risk attribute. Below we have explored some types of coverage. Please reach out to any one of our licensed agents for immediate assistance.

Installation Floater:

Covers your material at jobsite awaiting installation.

Equipment Floater Schedule:

Covers your specific equipment that is used away from your premises at various other job sites.

Additional Insured Wording:

Endorsements that require you to additionally insure contracted parties. This can be endorsements that you provide to others or that you should require of your subcontractors.

We Care About Your Future

We take the time to educate our customers about their insurance program. Insurance premiums have become a significant expense and we want our customers to understand their coverages and their costs. The more comfortable our insured’s feel with our services, the stronger our relationship grows.

Our customer service includes complete claim service from the first report to the final payment. We will assist our customers with any questions or problems they may incur during the claims process.


What Our Clients Say?

Our reputation means everything. We have developed some great relationships over the years. It is a true testament to how we run our business and take pride in making our customers happy.

Kramer Warner was able to take an exisiting policy we've had for years and help save us money while boosting our coverage. We couldn't be more satisified with our decision to switch. Thank you for all you have done!

Josh S.October 12, 2017

Our account rep took the time to listen to our needs and presented us with a bunch of different options that were taylored to fit our business. Kramer Warner really came through for us on this one! Job well done.

Susane D.January 05, 2015

Company Information

Insurance Agency
Kramer Warner Associates Inc.

3545 Rhoads Avenue
Newtown Square, PA 19073

Contact Details

E-mail Address:

(610) 359-1422

Available 8:30 AM - 5:00 PM
Monday - Friday