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Your Local Winter Haven, Haines City, and Margate Independent Insurance Agency

Dershimer Insurance Agency specializes in auto, home, mobile home, life, and business insurance.

Since 1977, the Dershimer Insurance Agency has focused on your insurance needs at every stage of your life. As an independent agency, we partner with many top rated insurance carriers to find the right company at the best price for your individual needs. When you’re looking for a second opinion regarding coverage, cost, or any insurance concerns contact Dershimer Insurance Agency. We are a full service independent insurance agency providing auto insurance, home insurance, business insurance, boat insurance, RV insurance, umbrella insurance, life and health advice and coverage for the things that matter most to you and your family.

We are Independent Agents, free to choose the best carrier for your insurance needs. We do not work for an insurance company; we work for you. We work on your side when you have a loss and follow through to see that you get fair, prompt payment and service. Dershimer Insurance Agency represents a carefully selected group of financially strong, reputable insurance companies, therefore, we are able to offer you the best coverage at the most competitive price.

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Auto Insurance

Paying too much for auto insurance? With our flexible coverage options and expert service, you’ll know your vehicle is getting the best protection.
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Home Insurance

Your home is your greatest investment, but you shouldn’t have to break the bank to insure it. Find out how much we can save you on your policy.
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Business Insurance

As a business owner, you have enough on your mind without having to worry about insurance needs. Let us find the best coverage at the best rates for you.
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Recent News & Updates

The Ins and Outs of Commercial Auto Insurance

Posted: January 4, 2026

What Every Business Owner Should Know Modern businesses are always on the move. Delivery vans drop off products, service trucks head to job sites, and sales reps crisscross town to meet clients. Any time a vehicle is used for business, your company faces risks that a personal auto policy may not fully cover. Commercial auto insurance is designed to handle those business exposures. What Counts...

Your New Year’s Insurance Checklist

Posted: January 1, 2026

A new calendar year is a natural reset. Over the past 12 months, you may have moved, bought a car, started a home-based business, gotten married, or welcomed a new baby. Those milestones change more than your social media feed; they also change the protection you need. A quick insurance checkup in January can help keep your household on track and your budget under control....

What’s the Difference Between General and Professional Liability Insurance?

Posted: December 19, 2025

General liability (GL) addresses bodily injury, property damage, and specific personal or advertising injuries arising from your premises, operations, products, or marketing. Professional liability (PL), or errors and omissions, addresses financial loss resulting from negligent advice, design, or services. Many businesses need both because a single project can involve physical hazards and professional decisions. General Liability in the Wild GL responds to everyday hazards that...

How to Prepare for a Winter Road Trip

Posted: December 16, 2025

Plan Your Route Like a Pro: Weather, Detours, and “Plan B” Check official state DOT and highway apps for live road conditions, closures, and chain controls before you leave and at each fuel stop. Pair those with a forecast tool that shows hour-by-hour precipitation and wind along your route so you can shift departure by a few hours if a front is moving through.  Build...

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