Our Promise to You: Access, Advice, and Advocacy

At Ashley Insurance, we understand that life has gotten more expensive. That’s why our focus isn’t just on price — it’s on people. Through our Three-Pillared Promise of Access, Advice, and Advocacy, we’re committed to bringing real value, genuine care, and peace of mind to every client we serve.

We know what it feels like to juggle the cost of living right now. Groceries are more expensive. Gas prices are unpredictable. Home and auto repairs seem to cost more every year. It’s natural to look for savings anywhere you can — and for many people, that starts with their insurance.

We get it. We’re a growing family and we're small business owners, too. We live right here in central West Virginia, and we're facing the same rising costs and tough decisions as our clients. And just like you, we’ve watched as insurance premiums — from auto and home to business and life — have climbed across the country.

According to PR Newswire, personal auto insurance rates are expected to rise by an average of 7.5% in 2025, although the pace of those increases is slowing compared to the past two years. Commercial insurance rates have also moderated slightly — WTW reports a 5.6% increase in late 2024, down from 6.1% the previous quarter. And Carrier Management notes that many carriers are beginning to stabilize rates after several years of volatility.

So while the news isn’t always positive, there’s reason for hope: the market is finally beginning to steady itself. And that’s exactly where we come in.

Our mission has always been simple — to make sure our clients feel heard, protected, and taken care of. But in today’s world, that means more than just finding the lowest premium. It means helping you navigate a complex market with confidence, understand your coverage, and have someone in your corner when things don’t go as planned.

That’s why we’ve built what we call our Three-Pillared Promise to You:

Access, Advice, and Advocacy.

This is more than a business model — it’s a reflection of who we are, what we believe in, and how we serve every client who trusts us with what matters most.

Access

We believe that insurance should never feel out of reach. You deserve access to a real person who cares — not a chatbot, not a call center on the other side of the country.

When you call, text, email, or stop by one of our offices, you’ll talk to someone who knows your name, your policy, and your community. Need to add a new car, update a payment, or get help with a claim? We make it easy.

And access isn’t just about communication — it’s also about options. As an independent insurance agency, we have access to a wide range of carriers, each with their own specialties and advantages. That means we’re not limited to one company or one set of rates. Whether you’re buying your first home, insuring a small business, or protecting a fleet of vehicles, we can find coverage that fits your unique situation.

Our clients have access to us in the way that works best for them — online, by phone, or in person — and access to many carriers that fit many different scenarios. That’s the benefit of not being captive to one brand: we’re free to put your needs first.

Advice

Insurance shouldn’t be about guessing. We take the time to get to know you — your family, your business, your goals — and then we help you make smart, informed choices.

As an independent insurance agency, we represent multiple companies, not just one. That means we can compare options side-by-side and find the coverage that fits both your needs and your budget.

But good advice doesn’t stop there. We also want to help you understand what you’re covered for — and what you might not be. Our goal is to ensure that if you ever experience a loss, your policy will make you whole again. That means advising you to carry enough coverage to truly protect what you’ve built. Cutting corners might save a few dollars today, but the right coverage can save you thousands — and a lot of heartache — tomorrow.

We’re not here to upsell or pressure you. We’re here to provide honest advice — the kind you’d give a neighbor — so you can feel confident that your protection is right, not just cheap.

Advocacy

When something goes wrong — whether it’s a fender bender, storm damage, or a total loss — you want someone in your corner. That’s where we shine.

We work for you, not the insurance company. From the moment you file a claim to the day it’s resolved, we’re here to guide you, explain what’s happening, and fight for a fair outcome.

But our advocacy doesn’t stop at claims. We’re also advocates for you as an insurance consumer — working to make sure the entire industry serves West Virginians better. We stay actively involved with our professional associations, collaborate with legislators, and maintain relationships with state leaders to keep the insurance market robust, competitive, and consumer-friendly — because that’s who we work for.

Our job doesn’t stop when you buy a policy — that’s where it begins.

A Personal Note from Ben Ashley

“We know people are tired of feeling like a number. At Ashley Insurance, we work hard every day to make sure our clients feel heard, respected, and protected — not just when they buy a policy, but every time life changes. Our Three-Pillared Promise is about being there when it matters most.”

Ben Ashley is a third-generation insurance professional and Vice President of Ashley Insurance, where he leads client relations, carrier partnerships, and community engagement. With years of experience in both the private and public sectors, Ben brings a unique understanding of how insurance impacts families, businesses, and the broader West Virginia economy.

His leadership reflects the agency’s long tradition of integrity and personal service — ensuring every client receives Access, Advice, and Advocacy they can trust.

Why It Matters to You

We know that every dollar counts right now. But we also know that when life happens, the “cheapest” policy can quickly become the most expensive mistake.

That’s why our promise to you is different. We deliver what 1-800 numbers and online-only companies simply cannot: genuine Access, Advice, and Advocacy. Those are the human connections that protect your peace of mind and ensure you’re never just another policy number.

As an independent, West Virginia-based agency, we’re proud to serve our neighbors — not a corporate script. We know your community because we’re part of it. And that means when you call us, you’re getting more than insurance — you’re getting a partner who cares about your family, your business, and your future.

That’s our Three-Pillared Promise to you.

Ashley Insurance — Access. Advice. Advocacy.

Because you deserve more than a policy. You deserve a partner.