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Your Local Saint James Independent Insurance Agency

Dowling Knipfing Klein Agency specializes in auto insurance, home insurance, life insurance, business insurance, and aviation insurance.

Dowling Knipfing Klein Agency has been servicing our clients as an independent agency for more than 50 years.

We are a full-service insurance agency providing a broad spectrum of appropriate coverages at competitive prices for both business insurance and personal insurance needs.

Our staff of experienced account executives will promptly provide you with quotations and explanations of the technical aspects of appropriate coverage.

We represent a vast number of insurance companies allowing us to choose the best company for each need. Service to our clients is our first priority.

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Recent News & Updates

Boat, RV, and ATV Insurance: What Recreational Vehicle Owners Need to Know

Posted: August 16, 2026

Summer is peak season for recreational vehicles. Whether you're out on the water with a boat, exploring the country in an RV, or hitting a trail on an ATV, August brings some of the highest usage of the year for these vehicles, and that makes it a great time to make sure your insurance coverage is in order. Many people assume their standard auto or...

Growing Your Family? Here's What You Need to Know About Health Insurance Coverage

Posted: August 10, 2026

Welcoming a new child into your family is one of life's biggest milestones—and it comes with a lot of decisions to make. Among the practical matters that quickly rise to the top of the list is health insurance. Whether you've recently had a baby, are expecting, or are in the process of adopting, understanding how your coverage may need to change is an important step....

Is Your Employer-Provided Life Insurance Enough? What You Should Know

Posted: August 7, 2026

Employer-provided life insurance, often called group life insurance, is a policy your employer purchases to cover you and sometimes your dependents. It's typically offered as part of a benefits package and may be fully paid for by your employer or offered at a group rate. Most group life insurance policies provide a death benefit equal to one or two times your annual salary. So if...

General Liability Insurance 101: A Foundation for Every Small Business

Posted: August 4, 2026

If you own a small business, you've likely heard that general liability insurance is something you should have. But what exactly does it cover, and why is it considered such an important part of a business insurance plan? General liability insurance—sometimes called GL insurance or commercial general liability—is one of the most fundamental types of coverage available to businesses of all sizes. Understanding how it...

Insurance products are offered through the following insurers: ACE (Philadelphia, PA); AIG - American International Group (Chicago, IL); Adirondack Insurance Exchange (Buffalo, NY); Aetna (Hartford, CT); AmTrust Insurance (New York, NY); Cigna (Bloomfield, CT); CNA (Chicago, IL); CNA Surety (Sioux Falls, SD); Chubb Group (Philadelphia, PA); Dongbu Insurance (Anaheim, CA); EmblemHealth (New York, NY); Empire BlueCross BlueShield (New York, NY); Great American Insurance Company (Cincinnati, OH); Guard Insurance Group (Baltimore, MD); ING Direct (St. Cloud, AL); Interboro Insurance (Mineola, NY); Lexington Insurance (Boston, MA); Liberty Mutual Insurance (Boston, MA); Lloyds of London (New York, NY); Markel (Glen Allen, VA); Merchants Insurance Group (Buffalo, NY); Narragansett Bay Insurance Company (Johnston, RI); Nautilus Insurance (Scottsdale, AZ); Ocean Harbor Casualty Insurance (Huntington, NY); Old Republic Surety (Milwaukee, WI); Oxford Health (UnitedHealthcare) (Trumbull, CT); Peerless Insurance (Keene, NH); Philadelphia Indemnity Insurance Company (Bala Cynwyd, PA); Plymouth Rock Assurance (Boston, MA); The Progressive Corporation (Mayfield Village, OH); Rutgers Insurance (Cherry Hill, NJ); Scottsdale Insurance (Scottsdale, AZ); ShelterPoint (Great Neck, NY); The Hartford Insurance Group, Inc. (Hartford, CT); Tower Group Companies (New York, NY); The Travelers Indemnity Company (Hartford, CT); United States Liability Insurance (Wayne, PA); Utica First Insurance Company (Oriskany, NY); Utica National Insurance Group (New Hartford, NY); and other unaffiliated insurers.

Insurance services are provided by an independent insurance agency. Dowling Knipfing Klein Agency and its producers are licensed in the states where services are offered. License numbers are available upon request. Availability, eligibility, and coverages may vary by state. Not all products are available in all states.