About Stephenson Agency, Spokane Valley, WA

Most agents learn insurance from the sales side. Connor and Spencer spent 16 combined years processing claims before opening Stephenson Agency. That means every policy they write is reviewed through the lens of what actually holds up at claim time, not just what looks good on a quote sheet. The difference shows up when you file: coverage gaps, sublimits, and exclusions that a sales-trained agent might miss are the first things a claims-trained agent catches.

At minimum, once a year at renewal. But any time you buy a home, add a vehicle, start a business, renovate, or experience a major life change, your coverage limits may need adjustment. Construction costs, vehicle values, and liability exposure all shift over time. A policy written three years ago may no longer match your actual situation. We include annual coverage reviews as part of every client relationship.

Yes. We review existing policies at no cost. If your current coverage is solid, we will tell you. If there are gaps, sublimits, or exclusions that could hurt you at claim time, we will walk you through what we found. No obligation to switch. The review itself has value whether you stay or move.

Yes. We write general liability, commercial property, business owners policies, workers compensation, and commercial auto for contractors, property managers, HOA boards, and small businesses across Washington, Idaho, Oregon, and Arizona. We take time to understand your business operations before recommending coverage. No generic packages.

Two things. First, Connor and Spencer both worked on the carrier and claims side before becoming agents. Most agents have never seen the inside of a claims department. Second, every policy we write goes through a claims-lens review. We look at your coverage the way an adjuster would, not the way a salesperson would. That combination is rare in this industry.