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Your Trusted Insurance Partner in Ferndale, WA
D & D Insurance is an independent insurance agency dedicated to providing comprehensive coverage solutions for individuals and businesses in Ferndale, Washington, and throughout the state. With carefully selected carriers, we prioritize service, price, and coverage to meet diverse client needs. Our team offers personalized support, helping clients assess insurance requirements and choose tailored packages. We advocate for our clients, working directly with insurance carriers to ensure smooth claims processes and positive experiences.Our commitment to one-on-one service ensures clients receive competitive rates and informed guidance. As a locally rooted agency, we serve communities in Island, King, Skagit, Snohomish, and Whatcom counties, maintaining licenses across multiple states to expand our service reach.
Services
Auto Insurance
Homeowners Insurance
Commercial Auto
Builders Risk
Medicare Supplements
Flood Insurance
Earthquake Insurance
Pet Insurance
Landlord Insurance
Recreational Vehicle Insurance
Highlights and features
- We offer personalized insurance solutions tailored to individual and business needs.
- Our team advocates for clients during claims processes with top-rated carriers.
- We provide 24/7 claim reporting support through partner insurance companies.
- Our independent agency status allows comparison shopping across multiple carriers.
- We serve local communities with in-depth knowledge of Washington state insurance needs.
Services
Auto Insurance
We provide comprehensive auto insurance solutions including liability, collision, and uninsured motorist coverage. Our policies protect personal and commercial vehicles with customizable options for all drivers. Our team helps clients navigate coverage selections and claims processes efficiently.
Homeowners Insurance
Our homeowners insurance policies cover property damage, personal liability, and additional living expenses. We offer customizable coverage for various home types including manufactured homes and condominiums. Our agents help clients understand policy details and risk mitigation strategies.
Commercial Auto
We specialize in commercial auto insurance for businesses with fleet vehicles or company cars. Coverage includes liability protection, physical damage, and cargo insurance. Our solutions cater to diverse industries with varying risk profiles across Washington state.
Builders Risk
Our builders risk policies protect construction projects against property damage during development. Coverage applies to residential and commercial construction sites with customizable terms for project duration and value. We work with contractors and developers statewide.
Medicare Supplements
We offer Medicare Supplement plans to cover out-of-pocket medical expenses. Our agents help clients choose appropriate coverage levels based on health needs and budget. We provide guidance on plan benefits and enrollment requirements.
People
Derek Barnes
Owner
Derek Barnes oversees agency operations and client relationships with 15+ years in the insurance industry. He focuses on ensuring quality coverage options for Ferndale residents and businesses.
Denise Barnes
Owner
Denise Barnes manages policy administration and client services with extensive experience in personal insurance products. She works closely with clients to understand their unique coverage requirements.
Paije Gorham
Agent
Paije Gorham assists clients with insurance selections and policy management. She specializes in connecting local families with affordable coverage solutions tailored to their specific needs.
Gurbeen Thind
Agent
Gurbeen Thind provides insurance expertise for personal and commercial clients. He helps business owners identify risks and implement appropriate protection strategies across Washington state.
Ian Barnes
Agent
Ian Barnes supports clients with policy evaluations and claims assistance. He focuses on delivering personalized service while leveraging industry knowledge to optimize coverage options.
Questions
What types of insurance do you offer?
We provide auto, home, life, health, and business insurance including specialized coverage for Medicare supplements, flood protection, and commercial vehicles.
How can you help lower my insurance costs?
As an independent agency, we compare rates across multiple carriers to find competitive pricing while maintaining quality coverage tailored to your specific needs.
What are your business hours?
Our office operates Monday through Friday from 9:00 AM to 5:00 PM Pacific Time. We offer 24/7 claim reporting through partner insurance companies.
How do I file a claim?
Call us at 360-392-8159 during business hours or contact your policy's 24-hour claims number. Have your policy details ready for efficient processing.
Can you help with business insurance needs?
Yes, we offer commercial auto, builders risk, and customized business insurance packages. Our agents assess industry-specific risks to create comprehensive protection plans.
How is coverage bound?
Coverage requires written confirmation from our office. Email, voice, or fax communications alone cannot establish binding coverage terms for any policy.
