Business Details
Your Trusted Insurance Partner in Chadds Ford, PA
M & J Bins is an independent insurance agency with over 25 years of experience dedicated to providing tailored insurance solutions for individuals and businesses. We specialise in personal, business, and life insurance, leveraging our partnerships with 58+ insurance carriers to deliver competitive rates and comprehensive coverage. Our team utilises modern technology, including secure policy transfers, electronic signatures, and live chat support, to streamline the insurance process.With a focus on long-term client relationships, we analyse rates annually to ensure ongoing affordability and service excellence. Our commitment to transparency, client education, and responsive service positions us as a trusted advisor in risk management.
Services
Personal Insurance
Business Insurance
Life Insurance
Workers Compensation
Claims Services
Highlights and features
- We offer over 25 years of experience in personalised insurance solutions
- We partner with 58+ insurance carriers for unmatched competitive rates
- Our team provides expert guidance on personal, business, and life insurance
- We utilise secure digital tools for policy transfers and electronic signatures
- We guarantee annual rate analysis to maintain affordable premiums
Services
Personal Insurance
We provide customised personal insurance solutions protecting homeowners, drivers, and individuals against unexpected risks. Our policies cover property damage, liability claims, and personal accidents while maintaining competitive premiums. With access to multiple insurers, we match clients with coverage that aligns with their lifestyle and financial goals.
Business Insurance
Our business insurance services safeguard companies against operational risks including property damage, liability claims, and workers compensation requirements. We offer tailored policies for diverse industries and assist with policy renewals to ensure ongoing cost-effectiveness and compliance with regulatory standards.
Life Insurance
We deliver comprehensive life insurance options including term and permanent policies to protect families and business interests. Our advisors help clients evaluate coverage amounts, beneficiary designations, and policy features to create long-term financial security plans aligned with their unique circumstances.
Workers Compensation
Our workers compensation insurance solutions protect businesses and employees from costs associated with workplace injuries or illnesses. We assist with policy acquisition, claims management, and compliance requirements while maintaining competitive rates through our carrier partnerships.
Claims Services
We streamline the claims process for auto, home, and business insurance policies through dedicated support channels. Our services include claim submission guidance, documentation verification, and coordination with insurance carriers to ensure timely resolution of property damage, liability, and injury-related claims.
People
Michael J. Brown
Founder
Michael J. Brown established M & J Bins with a vision to simplify insurance solutions for individuals and businesses. With over 25 years in the industry, he leads our team in delivering expert guidance and fostering long-term client relationships through ethical practices and comprehensive coverage analysis.
Colleen Lex
Customer Service Specialist
Colleen Lex supports clients with policy inquiries, documentation processing, and claims coordination. Her focus on responsive communication and technical proficiency ensures smooth interactions during policy renewals, coverage adjustments, and insurance education processes.
Questions
How do I get an insurance quote?
Submit your policy details through our secure transfer system or contact us directly with your insurance documents for a personalised quote.
What payment methods do you accept?
Payments are processed directly through our partner insurance carriers via their designated payment portals or mobile applications.
Which areas do you serve?
While based in Chadds Ford, PA, we provide insurance services to clients across Pennsylvania and selected regional markets.
How do I file a claim?
Access our claims portal to submit required documentation or contact our office for guidance on reporting incidents to your insurance carrier.
Can I update my policy online?
Policy changes require carrier approval – submit requests through our website or contact our team for assistance with coverage modifications.
Videos
Reviews (7)
Ashley Lautz
Sep 22, 2021
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Michael Brown was recommended to me by a friend when I was shopping for car insurance. Now a days they have numerous apps and multiple commercials to influence your car insurance shopping decisions but theres nothing better than a live person to explain everything to you and help you shop for the best coverage! Ive had questions throughout the years, added multiple vehicles, questions about family working with him for home owners insurance and every time I reached out he was there. What I appreciate the most from MJB is the knowledge and response time and most importantly the value he obtained
Jennifer Brown
Sep 06, 2021
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Positive:Professionalism,Quality,Responsiveness,Value
Ive been a client of Mike Browns with MJB for many years and would not even think of switching to another company. Mike is professional, responsive, helpful and always makes sure Im getting the best insurance at the best rate!
Ive been a client of Mike Browns with MJB for many years and would not even think of switching to another company. Mike is professional, responsive, helpful and always makes sure Im getting the best insurance at the best rate!
Mario Saunders
Aug 25, 2021
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Positive:Professionalism,Responsiveness,Value
I have been dealing with MJB for years . Hes very professional, responsive and always found the best policy at the right price for my company. I strongly recommend using MJB financial an insurance Co. Thank you Mike Brown
I have been dealing with MJB for years . Hes very professional, responsive and always found the best policy at the right price for my company. I strongly recommend using MJB financial an insurance Co. Thank you Mike Brown
Margie Rose
Aug 24, 2021
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Positive:Professionalism,Responsiveness
Have never had anything but professional and responsible interactions will Mike. Has been doing all our Business and Family insurance needs for years
Have never had anything but professional and responsible interactions will Mike. Has been doing all our Business and Family insurance needs for years
Richard Altamura
Aug 20, 2021
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Positive:Professionalism,Quality
Michael Brown is a true professional. He was able to quickly assess my needs and provide a policy that suited me perfectly. Highly recommended!
Michael Brown is a true professional. He was able to quickly assess my needs and provide a policy that suited me perfectly. Highly recommended!
Sharon Engime
Aug 15, 2021
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We have been dealing with Mike Brown for a few years now. He is prompt to respond, even if it is just to set up a more convenient time. He is very thorough with your options and why you may or may not need coverage. He will take the time to explain terms and prices. He also has many contacts in the Delco area should you need additional services.
Kevin Cancelliere
Aug 13, 2021
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I had been a loyal USAA customer for 40 years prior to switching to MJB Financial & Insurance Advisors. The primary reason for switching was not for cost savings (although I was able to save several hundreds of dollars) but rather for better coverage and superior service. Mike was very professional and helped me to better appreciate the value of insurance and made the transition seamless.
