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We’ve been protecting people, families, and businesses since 1984! Discover the difference of having an independent agency working for you.

William R Urban and Associates Inc.

9187 New Falls Road, Suite 201, Fallsington, PA 19054

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William R Urban and Associates Inc.

Providing quality service since 1984.

Since 1984, our focus here at William R Urban and Associates Inc. has been on serving the insurance needs of people, families, and businesses in Pennsylvania, New Jersey, and Delaware, all while saving them time and money.

Whether your insurance needs are basic or complex, we can provide you with a full array of insurance products and a strategy to protect you, your family, and your business. We are committed to protecting what you value most while helping you find solutions that fit your unique needs and budget.

Discover the value of an independent insurance agency working for you. We represent many top-rated insurance companies from across the country so you get direct access to a variety of coverage options and choices. We also help you throughout the insurance process, whether you need to pay a bill, service your policy, or report a claim. Let us cover your back with coverage and service that goes beyond your expectations.

About Our Agency
Saving You Money

By representing many insurance companies, we can help you find a policy that fits your needs and your budget.

Protecting What You Value

We are dedicated to protecting the things you value most, from your familiy to your business.

Serving Your Needs

From making a payment to adjusting your policy or reporting a claim, we are here to help you throughout the insurance process.

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Personal Insurance

Business Insurance

Insurance Designed to Protect What You Value Most

Whether your needs are basic or complex, we offer a variety of personal insurance and business insurance products. Get in touch with us for a free quote.

Personal Insurance

Trusted advice and insurance solutions to protect what matters most.

Mobile Home
Rental Property
Business Owners
Workers’ Compensation
Business Auto
Commercial Property
Commercial Umbrella

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Discover the Value of an Independent Agency Working for You

Find Out How

What makes our independent agency different?

  • We represent multiple insurance companies.

  • We are licensed insurance advisors.

  • We are by your side every step of the way.

  • We offer a wide variety of insurance solutions.

  • We are there for you in your time of need.

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Get a glimpse of the risks you face and how your insurance can protect what matters most.

Bodily Injury Liability Coverage
Risk Factor

It’s easy to get distracted while driving. All it takes is an incoming text message, a fussy baby, or changing the radio station and your eyes are off the road long enough to crash into the slowing vehicle in front of you. As an owner/operator of the vehicle, you may be held financially responsible for any bodily injuries caused as a result of the accident.


Bodily injury liability covers your legal liability for a covered accident that involves injury to another person, up to the limit of liability you select. Purchase enough coverage to protect your assets should a claim be brought against you or if you are sued. You should also consider purchasing an excess liability policy which may provide additional limits of liability.

Property Damage Coverage
Risk Factor

When involved in an auto accident, you and your family may be financially responsible for any damage caused by your vehicle to someone else's property. The amount required, if any, can vary by state.


The property damage portion of your auto insurance policy protects you if your car damages someone else's property, such as another car, a fence, or a building. In some instances, you may be able to choose your coverage limit, or it may be a standard amount dictated by the insurer or local laws.

Medical Payments Coverage and Personal Injury Protection
Risk Factor

Depending on the severity of the injuries suffered in an automobile accident, whether caused by you or by the other vehicle, it's not uncommon for healthcare costs to run into the thousands of dollars, with a large portion being out-of-pocket expenses not covered by your health plan.


Medical payments coverage or Personal Injury Protection, depending on where you live, can help cover some medical expenses and funeral expenses of covered drivers and passengers after an accident. The exact requirements, limits, and coverage can vary by state, so it's important to understand what's required where you live.

Uninsured / Underinsured Motorist Damage Coverage
Risk Factor

What happens when the driver who hit you doesn't have enough liability coverage? Or, even worse, they take off? Research has shown that this happens more than you might expect. If you’re in a collision with someone who is uninsured or underinsured, you can be left to pay out-of-pocket for damages and medical expenses not covered by the other driver.


Uninsured/underinsured motorist damage coverage may compensate you for bodily injury and lost wages caused by an uninsured motorist, a hit-and-run driver, a driver whose automobile insurance company is insolvent, or a driver who has not purchased enough coverage to pay for damages.

Physical Damage Coverage
Risk Factor

Your automobile can be a fairly costly investment – one that is exposed to many potential losses caused by weather related events, theft, and other circumstances that may be out of your control.


Physical damage coverage can protect your vehicle if it is damaged in an accident (collision coverage), is damaged by something other than a collision (comprehensive coverage) with a vehicle or object or if your vehicle is stolen. This coverage is optional if your vehicle is paid in full, but it is coverage you should consider if you want to fully protect your vehicle.

Rental Coverage / Loss of Use
Risk Factor

When your vehicle is being repaired or replaced due to a covered loss, you may have to rent a vehicle to get you to and from your daily responsibilities without any interruption. Vehicle rental can get expensive, especially over an extended period of time.


Rental coverage/ loss of use is an inexpensive option you can add to your auto insurance policy to pay for the cost to rent a temporary replacement vehicle or the cost of public or private transportation if your vehicle is ever in an accident. This coverage is available in a variety of daily limits.

Auto Insurance 101

Make sure you cover the unique risks you face with auto insurance.

  • Click on the hotspots.
  • Discover your risks.
  • Get the right coverage.
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Fallsington, PA

9187 New Falls Road, Suite 201
Fallsington, PA 19054

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