Who We Work With

Comparing insurance companies is like comparing apples and oranges. No two offer the exact same services. Our goal is to provide a comprehensive approach to meeting your needs and safeguarding your legacy. We do this by working with a variety of providers, such as:



State Auto

Bristol West





Berkshire Hathaway


Our Approach to Serving You

Shopping for and purchasing insurance can be intimidating – but it doesn’t have to be! We help to protect you and those that matter most to you by offering a simplified, customized approach that keeps both your immediate and long-term needs in focus. You may be wondering how the process of working with insurance agents like us takes place. Together, we will review your needs, discuss your options and choose a plan. But the service does not stop there. We will regularly review your needs to ensure we make any necessary changes to your coverage to maximize your insurance protection. Bernards Insurance Services, LLC provides the following:

Auto Insurance

We can find coverage for your personal vehicles, business or commercial vehicles, and your classic automobiles. We can also provide you with a non-owners policy, and help you if you need to file an SR-22

Learn More

Homeowners Insurance

Let us help you with the coverage you need for your home, condo, townhouse, mobile home, or cabin. If you're a renter, ask us about an affordable renters insurance quote.

Learn More

Life Insurance

Protecting your loved ones from financial disaster if something unfortunate should happen to you should be a part of everyone's future planning. We work with several life insurance companies, so we can tailor a policy to fit your current and future needs. Ask us about a policy that can accumulate a cash value. And ask us about a low-cost policy for your children and grandchildren as well.

Learn More

Business Insurance

With several commercial insurers available to us, we can insure just about every type of business, no matter the size of your company. We can provide general liability, commercial auto, workers comp, and a policy tailored to your company's needs

Learn More

Watersports Insurance

Whatever your choice of entertainment on the water is, we can insure it. Everything from your boat to your jet ski's and wave runners.

Learn More

Powersports Insurance

If your choice of motorized fun is something other than the conventional automobile, call us. We'll insure your motorcycle, snowmobile, ATV, or moped,

Learn More

Pet Insurance

Insurance for pets is becoming extremely popular. All it takes is one expensive visit to the vet to realize how valuable an inexpensive pet insurance policy can be. We work with a couple companies that have years of experience, so you can feel comfortable knowing that your pets will be taken care of.

Learn More

Specialty Insurance

Here we can take care of things that are normally needed on a temporary basis. Maybe it's a vacation, and we want to feel secure with a travel insurance policy in case the vacation plans don't go as expected, or if something unfortunate should happen to you while on your trip. Also, if insurance is needed for a special event or for a location you're renting or utilizing, we can get you a policy in a matter of minutes.

Learn More


Philip J. Bernards


Philip is an insurance agent with over 20 years experience in the insurance industry. He is also the founder and owner of Bernards Insurance Services, LLC. Philip is a graduate of Augsburg University in Minneapolis, where he received a BA in International Business

Voted Best Insurance Agent in 2018.

Contact Us

Give us a ring

Mon - Sun, 8:00-22:00