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Founded on Exchange Street in 1952, on Fore Street since 1978, and still owned by the family that started it.
As an independent agency we represent fourteen carriers. When one raises rates or tightens underwriting, we move you, not the other way around.
Fishing families, Old Port restaurants and three generations of homeowners still walk through the same Fore Street door.
74
years on the Portland waterfront
9,200
households and businesses insured
14
carriers compared for every client
4.9
average rating from 612 reviews (sample)
From two desks on Exchange Street to a team of fourteen serving more than 9,000 households and businesses.
1952
Arthur Cedar, a returning Navy officer, and Eleanor Stone, a bookkeeper for a Portland mill, open an agency to insure the homes and fishing boats of their neighbors.
1964
Cedar & Stone begins writing hull coverage for Casco Bay lobstermen when few agencies in Maine would.
1978
The agency buys the brick building at 212 Fore Street, where it still operates today.
1991
Margaret Stone-Pelletier becomes principal and builds out coverage for Old Port restaurants and local trades.
1998
Staff work seven-day weeks for a month to handle more than 1,400 claims across southern Maine.
2012
A dedicated program for barns, equipment and hobby farms inland from the coast.
2026
Daniel Pelletier leads a team of fourteen serving more than 9,000 households and businesses.
My grandmother kept a list of every family that had a claim during the Ice Storm. We still call a few of them at renewal.
Flood, gradual leaks, business use. The awkward parts of a policy get explained before anything is signed.
Every home we insure gets a replacement cost estimate, reviewed again at renewal.
A licensed person picks up during business hours, and the claims line routes to one after hours.
Our job is not done at the sale. We sit in on adjuster visits when an estimate looks short.
Six of our fourteen staff. Call (207) 555-0139 and ask for any of them by name.
Principal agent, third generation
Grandson of co-founder Eleanor Stone. Daniel reviews every replacement cost estimate the agency writes and still takes the Saturday claims shift in storm season.
Claims advocate
Kate calls clients in the hardest-hit towns after every major storm and meets adjusters on site when an estimate looks short.
Commercial lines agent
Bob has insured Portland restaurants and trades for more than 25 years and knows the plow endorsement wording by heart.
Marine and farm specialist
Mike keeps his own boat on a Falmouth mooring and grew up haying on a farm in New Gloucester.
Personal lines agent
Ada handles first apartments, first cars and first homes, and runs the agency's teen driver planning sessions.
Life and benefits agent
James helps families and business owners size life coverage with a written needs worksheet, never a script.
Licensed agency, property and casualty, life and health (demo license #AGN-000000).
Member agency since 1961 and past board representation.
Four agents hold the CIC designation; two hold CPCU.
Every property agent completes NFIP flood insurance training.
Tell us what you need to protect. A licensed agent on Fore Street shops it, explains it, and sends a clear side-by-side, usually within one business day.
No obligation. Licensed agents. Coverage subject to policy terms.
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