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Oyer, Macoviak and Associates Insurance
Phone 561-732-9305service@oyerinsurance.com
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Oyer, Macoviak and Associates Insurance

Since 1953

Contractors Insurance

Since 1953 we have helped thousands of clients to save money on contractor’s insurance while we do all the work. Let us shop your policy with over “30” rated companies.

4.8 Stars - Based on 1089 Reviews
get A Quote
or Call (561) 732-9305

Testimonials

Why People are Choosing us

  • Jack Fleischman Avatar
    Jack F.
    positive review 
    - Facebook
    Oyer, Macoviak and Associated has been our insurance agent in excess of ten years. They are always helpful in... read moreOyer, Macoviak and Associated has been our insurance agent in excess of ten years. They are always helpful in finding the best rates for auto and homeowners insurance to meet our needs. Whenever we have a question they are prompt in getting back to us. I highly recommend them for all your insurance needs. read less
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    Bob Fisher Avatar
    Bob F.
    - Google
    Oyer Macoviak has provided great customer service and always available to answer any questions.
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    Michael Schwartz Avatar
    Michael S.
    - Google
    Pleasant staff, good rates
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  • Stuart M Sims Avatar
    Stuart M.
    - Facebook
    They are on top of all my insurance needs. they advise me when premiums are due, when to change to... read moreThey are on top of all my insurance needs. they advise me when premiums are due, when to change to another insurance company due to one with a better rate or when a company is downgraded. I would highly recommend them read less
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    Kyle Cohen Avatar
    Kyle C.
    - Google
    My realtor suggested that I call Oyer, Macoviak and Associates for a homeowners' insurance quote. The agent who took... read moreMy realtor suggested that I call Oyer, Macoviak and Associates for a homeowners' insurance quote. The agent who took my call, Bobby Yonta, asked all the necessary questions about the property and me and returned a quote very quickly. He followed up with me as my closing date got extended and closed the deal with the lowest price of all the quotes I reached out for. I'm happy to be one of Oyer, Macoviak's new customers and suggest that anyone who wants great, professional and friendly service call them! read less
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    Sandie Ann Avatar
    Sandie A.
    - Google
    Received a quote for my condo insurance in under an hour. Bobby Yonta was able to work with my... read moreReceived a quote for my condo insurance in under an hour. Bobby Yonta was able to work with my mortgage company and drew up a contract for me to sign. Excellent service from a local company in my town!!!! read less
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  • Steven Rothenberg Avatar
    Steven R.
    - Google
    Excellent attention to detail and follow up with Oyer Macoviak.
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    David Kowalick Avatar
    David K.
    - Google
    Very professional, courteous staff. Respond promptly to inquiries / questions. Competitive rates.
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    Nancie Gilman-Tarnowski Avatar
    Nancie G.
    - Facebook
    Oyer, Macoviak and Associates is a family operated full service insurance company that handles insurance with much expertise and they... read moreOyer, Macoviak and Associates is a family operated full service insurance company that handles insurance with much expertise and they always find the best rates and they are very knowlegable. read less
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  • Peter Armour Avatar
    Peter A.
    - Google
    They have always been responsive to questions and offer alternatives when required to ensure best possible coverage.
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    Linda Mead Avatar
    Linda M.
    - Facebook
    Highly recommend “Oyer”!!! They are all knowledgeable and efficient. AND there’s a bonus - they answer their phones and... read moreHighly recommend “Oyer”!!! They are all knowledgeable and efficient. AND there’s a bonus - they answer their phones and return phone calls immediately. read less
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    Tashia Gibbs Avatar
    Tashia G.
    - Facebook
    Exceptional service from quote to binding. Cheryl Macoviak is a competent professional who went above and beyond to take... read moreExceptional service from quote to binding. Cheryl Macoviak is a competent professional who went above and beyond to take care of my insurance needs at the last minute. read less
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  • Kenneth Tobin Avatar
    Kenneth T.
    - Google
    GREAT customer service. They are always there to help
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    Patty Guttman Wolbe Avatar
    Patty G.
    - Facebook
    I have gotten wonderful service from Macoviak and Associates. They are informed and have always gotten back to me immediately.... read moreI have gotten wonderful service from Macoviak and Associates. They are informed and have always gotten back to me immediately. They also found me the best prices. For these reasons, I recommend them and will continue doing business with this company. read less
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    Lila Morriss Avatar
    Lila M.
    - Google
    Friendly, neighborly, efficient service at this long established insurance agency. Great service!
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  • Doris Dejesus Avatar
    Doris D.
    - Facebook
    Love the staff! Very friendly and helpful! If you need insurance, stop searching - This is the place to go!
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    Shadaey Campbell Avatar
    Shadaey C.
    - Google
    After receiving my bill for my premium with my current company for next year, I had to find a new... read moreAfter receiving my bill for my premium with my current company for next year, I had to find a new company, and I was referred to Oyer, Macoviak and Associates (OMA) and a few other companies. Once I contacted OMA their responsiveness was immediate and thoughtful. Other companies were not able to get me a rate as low as them, and Ryan P. (my agent) was very helpful and thoroughly explained the full process of how things would move forward. Being that I’m a first time homebuyer, this was a real bonus for me! Thank you OMA for your help! read less
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    Murray Hyman Avatar
    Murray H.
    - Facebook
    They always respond to my questions or requests. I haver never made a claim with them but based on my... read moreThey always respond to my questions or requests. I haver never made a claim with them but based on my interactions with them I am very satisfied compared to my previous insurance company. read less
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  • Janet Khouri Avatar
    Janet K.
    positive review 
    - Facebook
    When I call they are always pleasant & very helpful.
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    Lynda Offenkrantz Avatar
    Lynda O.
    - Facebook
    Oyer, Macoviak and Associates is a professional insurance firm that I highly recommend. They are knowledgeable, courteous and qualified to... read moreOyer, Macoviak and Associates is a professional insurance firm that I highly recommend. They are knowledgeable, courteous and qualified to meet the individual needs of their clients. read less
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    Marianne Caldarone Avatar
    Marianne C.
    - Facebook
    This company is so fast and friendly to work with. We only had a week and they expedited the paperwork... read moreThis company is so fast and friendly to work with. We only had a week and they expedited the paperwork and even printed our paperwork for us. read less
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  • Stephen Rubin Avatar
    Stephen R.
    - Google
    I have home and flood insurance through Oyer et al. They willingly review my insurance each year, answer questions and... read moreI have home and flood insurance through Oyer et al. They willingly review my insurance each year, answer questions and seek best policies. They are cordial and responsive. read less
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    Roberta Bragg Avatar
    Roberta B.
    - Google
    My last insurance broker couldn't find a company for me so they stuck me with Citizens. I called Oyer,... read moreMy last insurance broker couldn't find a company for me so they stuck me with Citizens. I called Oyer, Macoviak, et al. They got me a great deal in a very timely fashion. Moreover they were helpful and well-informed. Obviously, I'm happy to recommend them. If you're not getting the kind of service you should, change your broker! I did and am totally happy. read less
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    Cindy N Townsend Avatar
    Cindy N.
    - Facebook
    Cheryl's response time was impeccable. She provided more than one option for insurance and provide options to reduce the... read moreCheryl's response time was impeccable. She provided more than one option for insurance and provide options to reduce the premium costs without being asked. Then she also recommended a contractor to provide services that would help reduce premium and then provided the quote extremely quick always checking to make sure I was satisfied and had covered all my bases.

    Other providers only gave me the highest priced option and made no mention as to how I could reduce costs. It saved me $1,600 dollars. THANKS CHERYL!
    read less
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  • Myra Elmore Avatar
    Myra E.
    - Google
    Very efficient and helpful. Saved me money.
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    Glenn Neadley Avatar
    Glenn N.
    - Google
    Cost Effective and Professional.
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    Kim Flaville Avatar
    Kim F.
    - Facebook
    I have been a cliënt of Oyer, Macoviak since 2013. Their office is within about a mile and their office... read moreI have been a cliënt of Oyer, Macoviak since 2013. Their office is within about a mile and their office is well suited. In addition year over year they add a modest fee which is standard. The staff is also very courteous and the clientele is also patient. The staff listens as to clients with regard to questions, the cost, and the terms or a better a deal.

    All around, it appears to me Oyer, Macoviak and there clientele and customers are terrific. I look forward to working for Oyer, Macoviak and will see you next year.

    Victoria Kim Flaville
    read less
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  • Margaret Gogol Avatar
    Margaret G.
    - Google
    Have been with Oyer Insurance for over 25 years and have always found them to be friendly, ... read moreHave been with Oyer Insurance for over 25 years and have always found them to be friendly, helpful, efficient, easy to work with and very knowledgeable with all my insurance needs. Great company always. Highly recommended. read less
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    Brenda Russo Avatar
    Brenda R.
    - Facebook
    Very efficient & friendly staff. Got all my insurance policies thru them. They did all the researching & found... read moreVery efficient & friendly staff. Got all my insurance policies thru them. They did all the researching & found me the best prices. read less
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    Deborah Guller Avatar
    Deborah G.
    positive review 
    - Facebook
    Dedication to clients. Oyer, Macoviak always provides timely answers to questions and they find the best insurance rates!
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about our company

Contractors Insurance Coverage for More than 60 Years

Whether you’re a general contractor or a handyman, your business is growing — and you need your insurance to keep up.

Oyer, Macoviak and Associates we work with over 30 “A” rated companies to provide insurance policies tailored to your business. We do this by taking the time to understand your contractor business, so you can get a policy that offers full protection.

The best part? We make it simple to get insurance since, let’s be honest, your day is already stressful enough!

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Progressive Insurance Company
Hartford Insurance Company
Allstate Insurance Company
Travelers Insurance Company
Safeco Insurance Company
Mercury Insurance Company
Florida Family Insurance Company
Universal Property Insurance Company

main REASONs TO CHOOSE US

Why Oyer, Macoviak and Associates for Insurance?

Insurance Choice Contractors Insurance

Choice

We have access to multiple companies with a range of products.

Inrsurance Easy Contractors Insurance

Easy

We can easily switch you from company to company without hassle.

Unbiased Insurance Contractors Insurance

Unbiased

We are unbiased and objective, you know you have the right plan for you.

Small Business

69+

Years in Business

Let Us shop your policy with over 30 “A” rated companies.

Business Insurance

our experience

Save Up to 30% on Contractors Insurance

We understand that, as a business owner, you’re attempting to save money where you can. That may lead you to delay purchasing contractor insurance or avoid it altogether, especially if you don’t feel it adds any value to your company.

However, here’s the catch: contractors like you are at risk of catastrophic property damage claims that may severely deplete your finances.

For example, if you are sued for causing significant property damage to a customer’s property because of carelessness, you may be required to pay for legal fees and damages out of your own pocket – or your family’s money – if you are not properly insured.

Oh, and one more thing: Many clients will refuse to deal with you if you aren’t licensed and insured. There’s a lot of advice out there telling people to only work with insured contractors, so it’s a good idea to get this insurance if you want to grow your client base.

When you get your contractor insurance through Oyer, Macoviak and Associates, we’ll give you a certificate of insurance (COI) so you can begin issuing proof of coverage.

At Oyer, Macoviak and Associates we are not captive to one insurance company so we can shop the different insurance companies to give you the best coverage with the best rate.


quality insurance coverages

We’re Providing Quality
Insurance Coverages

Clients
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Years
What type of business needs a business auto policy
Business Insurance

What type of business needs a business auto policy

Robert Macoviak 01/24/202301/24/2023 Reading Time: 4 minutes

There are different types of businesses out there, and each one has its own specific insurance needs. But one type of insurance that every business should have been business auto insurance. If your business has any vehicles – whether they’re cars, trucks, vans, or other types of vehicles – you need to make sure they’re…

Read More What type of business needs a business auto policyContinue

Uncovering the Benefits of Surety Bonds
Business Insurance

Uncovering the Benefits of Surety Bonds: How to Ensure Your Business is Fully Protected

Robert Macoviak 01/09/202301/09/2023 Reading Time: 6 minutes

The modern business landscape can be unpredictable–but there are steps you can take to ensure your business is fully protected. Surety bonds offer remarkable security, but few entrepreneurs know how to take advantage of them. In this blog post, we’ll explore the concept of surety bonds and uncover the benefits they offer for businesses, customers,…

Read More Uncovering the Benefits of Surety Bonds: How to Ensure Your Business is Fully ProtectedContinue

Do Subcontractors Need Business Insurance in Florida
Business Insurance

Do Subcontractors Need Business Insurance in Florida?

Robert Macoviak 01/04/202301/04/2023 Reading Time: 4 minutes

Are you a subcontractor in Florida? Are you considering expanding your business, but are unsure of what type of insurance protection you need? With the regulation landscape changing regularly and no one-size-fits-all policy available, understanding the nuances of business insurance can be tricky. In this blog post, we’ll help demystify subcontractor insurance requirements so that…

Read More Do Subcontractors Need Business Insurance in Florida?Continue


FAQ Contractors insurance

Why Do Business with us?

As a local insurance agency (Boynton Beach, Florida) we take the time to cater to our customer’s policies to create the correct policy for them. Our team of agents is dedicated to help you protect you, your loved ones, and your business. Our office can handle any risk in Florida. In addition, our office is a Trusted Choice Insurance Agency (Independent Insurance Agent).

Get A Quote

Contractors’ insurance is a collection of policies designed to protect your business. Contractors are high risk, since they perform work at their clients’ homes or businesses. This means that if you damage or lose someone else’s property while fixing or building something, then you’re financially responsible for the consequences.

At Oyer, Macoviak and Associates we are not captive to one insurance company so we can shop the different insurance companies to give you the best coverage with the best rate.

Insurance costs vary depending on the type of contractor you are, but typically premiums for contractors’ insurance run from $300 to $5,000 per year. Contractors who do high-risk work such as construction or excavation might pay several times that amount. Contractors with employees may need to purchase workers’ compensation and liability coverage in addition to contractor insurance. Contractors are charged higher rates by insurance companies because of the nature of their work and how much risk is involved.

Contractor insurance is broken down into three main categories: Contractors Liability – Contractor’s liability coverage protects the insured contractor from claims made by a third party for bodily injury or property damage arising out of a job. Contractors’ Equipment – Contractor’s equipment coverage reimburses you after your tools are stolen or damaged beyond repair. Contractual Liability – Contractual liability coverage protects you when someone is injured, or their property damaged while on your job site. Contractual liability coverage is typically required in the context of a construction contract, in which case it’s known as Contractors Blanket Contract (CBC) insurance.


Since 1953

Need Insurance Coverage?

Call Us Today

561-732-9305

Get A Quote

About Us:
Oyer, Macoviak and Associates
1903 South Congress Ave Ste 350
Boynton Beach, FL 33426
Phone: 561-732-9305
Toll Free: 800-397-8780
Fax: 561-364-9848
Email: info@oyerinsurance.com

Office Hours:
Monday to Friday 8:30 AM to 5:00 PM

We offer a live after-hours claim service, which makes sure that you are always taken care of. You can also go online and view, make changes or report a new claim with our client portal.

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