Independent · Local · York, PA
Independent insurance, built around you.
We work for you, not the insurance company. Coverage shopped across a network of leading carriers, advice in plain language, and a real person who actually picks up the phone.
30+
years of experience
Top
rated carriers
100%
locally owned
24h
response promise
the independent difference
Captive agents work for one company.
We work for you.
Most people don’t realize how much that single distinction changes everything – from the quote you get to the carrier who picks up at claim time. Here’s what it actually means.
a captive agent
Works for one carrier
Locked into a single company's products
One set of prices on the table
Limited options when your business and life changes
Quotas and incentives shape the sales pitch
David & Company
Works for you
A network of leading carriers in your corner
Multiple quotes laid out side by side
Coverage that adapts as your business and life evolves
Your needs and interests drive every conversation
what we cover
Every coverage type, one trusted source.
Browse the full range of policies we place for clients across York County. Each one is shopped, compared, and explained – never just sold.
Commercial
Personal
Workers' Compensation
Wage replacement and medical care when employees are injured on the job.
Business Owners Policy (BOP)
Bundled coverage for property, liability, and lost income.
Commercial Property
Coverage for your building, equipment, inventory, and physical assets.
Inland Marine
Protect tools, equipment, and other property when it's on the move or away from your premises.
General Liability
Protect the business from third party claims and lawsuits.
Commercial Auto
Cars, trucks, and vans owned or operated by the business.
Excess & Umbrella Liability
Extra liability protection kicks in when underlying policy limits run out.
Professional Liability
Errors and omissions, negligence or failure to deliver professional services as expected.
Cyber Liability
Protection against breaches, ransomware, and other cyber related incidents.
Management Liability
Helps protect business owners, executives and organizations from management-related decisions and business operations.
Homeowners
Coverage for your home, belongings, and liability under one roof.
Personal Auto
Protection for your vehicles and the people who drive them.
Personal Umbrella
Extra liability protection that sits above your home and auto policies.
Condo (HO-6)
Coverage built around what your HOA master policy doesn't include.
Renters
Affordable protection for your belongings and liability while renting.
Landlord / Rental
Coverage for the property you own and rent out to others.
Recreational Vehicles
Boats, RVs, motorcycles, and the toys that get you outdoors.
Valuable Items
Scheduled coverage for jewelry, art, collectibles, and high value pieces.
David Chiaverini, CIC, AAI
Agency Owner
meet your agent
Your name. Not a number.
David Chiaverini founded David & Company with a straightforward belief: you deserve an insurance agent who actually works for you. After three decades inside the industry, he saw what happens when insurance gets sold instead of advised. So now he does it differently.
When you call, you’ll reach me. Not a call center. Not a queue. Not a stranger reading your file for the first time. Me.
local accountability
Rooted in York. Built for the people who live and work here.
We are not a 1-800 number or a regional outpost of a national agency. David & Company is owned, operated, and accountable right here in York County.
Our success is tied to the businesses, families, and individuals we serve – the same neighborhoods we live in, drive through, and care about.
ready when you are
Insurance you understand. Protection you can trust.
Tell us about your situation. We’ll do the legwork – compare carriers, lay out your options, and walk you through them in plain language. No pressure, no jargon, no quotas.
Prefer a phone call? Reach us directly at (717) 549 9820