Eastern States Insurance has been serving the insurance, bonding and risk management needs of businesses throughout the United States since 1972. Founded by William L. Johnson, Eastern States Insurance is currently owned and managed by Newton and Oscar Johnson, sons of the founder. Many Eastern States clients have chosen us for our timely and consistent service – something national insurance brokers and direct writers have been unable to provide. Others simply have out-grown small, general purpose agencies that lack the personnel, underwriting relationships and customer knowledge needed to satisfy the specialized industries served by Eastern States Insurance. Unlike most large agencies, which grow with acquisition, our growth is due to an ever-expanding list of clients within our chosen industries of expertise. We satisfy these customers by consistently accessing and structuring the most appropriate and cost-effective risk management options available. We service our clients by employing insurance professionals with a proven record of servicing, underwriting, pricing and placing complex commercial coverages. Only then, can we offer our clients insurance programs tailored to their particular operations. It is our knowledge of two industries – ours and yours – that enables us to create and maintain insurance and other risk management alternatives that provide comprehensive solutions to our clients. Deductibles, self-insured retentions, and loss-sensitive rating plans are among the options we routinely explore. Approaches to risk transfer are no less important, whether in the context of helping out clients contractually place risk elsewhere, or in terms of minimizing the contractural risks assumed by our clients themselves. Situations involving leased buildings and equipment, subcontractors and acquisitions are among the common issues that invariably call for careful review relative to potential transfer of risk.