About Us

Philippi, West Virginia Insurance AgentMichael Cvechko, owner and founder of Cvechko Insurance Services, has been providing insurance solutions for Philippi, West Virginia families and business owners for almost 20 years. Michael started his career with Westfield Insurance Companies. During his time with Westfield Insurance Companies, he served in various capacities from handling property and casualty claims to underwriting and agency management. Michael then had an opportunity to move back to Barbour County and work for an independent insurance agent in Elkins where he served as Vice President of Sales. In 2013, Michael was given the unique opportunity by Erie Insurance Companies, one of the leading insurance carriers in West Virginia, to open his own independent insurance agency in Philippi.

Michael states that his life long dream has always been to be a business owner. He states that the insurance business enables him to educate people on ways to protect their hard earned assets through various insurance products – life insurance, homeowners insurance, auto/car insurance, annuities, and business/commercial insurance. Each customer is unique and deserves to have an insurance program that is tailored to meet their needs.

Michael is married to Cindi Cvechko, and they have two children Carson and Carli. They live in Belington and are very active in their community. Michael attended West Virginia University where he obtained his undergraduate and graduate degrees. He also currently holds his Certified Insurance Counselor designation.

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An Independent Advantage

Cvechko Insurance Services 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. 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.

What is an Independent Insurance Agent?

When you decide to buy a car, you wouldn’t purchase the first one you see. What if one day the automobile industry decided to make only one type of car, one make and one model. You wouldn’t have a choice!

The same situation holds true for insurance. You need insurance to drive a car, to purchase a house, to protect your family’s financial future and to run a small business. But if there was only one insurance company that offered only one type of insurance, car insurance, home insurance or businessowner policy — you wouldn’t have a choice. The only solution would be going to that one company.

With an independent insurance agent, you have choices. Independent agents are not tied to any one insurance company. One of the advantages of using an independent agent is that he or she works to satisfy your needs. You are using an expert for an important financial decision.

An independent agent has several companies that he or she can approach to get you the best coverage at the best price. And your independent agent will know the companies with the most efficient claims departments to recover your losses as quickly as possible.

When you buy insurance, whether it’s for your home, your car or your business, you want an advocate who will properly assess the risks you face and give you an objective analysis of the marketplace, it’s up to you to make the final choice.

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