powers insurance, risk management, personal lines, home, car, umbrella, rates, quote, bundle

Paul Catanzaro

Personal Lines Producer with expertise in:

$1MM + Homes
Second Homes
Collections/Valuables
Rental Property Insurance

How Can I Help You Today?

Insurance solutions to protect your lifestyle

High expertise in the following areas

High Net Worth Homes

Autos

Umbrella

Specialty Dwelling

Watercrafts and Powersports

Boats and Yachts

Paul's Bio

Paul has spent five years in the insurance industry helping people protect their homes, vehicles, and valuables. He began by selling and servicing his own book of business, then moved into account management, where he strengthened his ability to guide clients through coverage questions with patience and clarity.

Paul sees insurance as a way to help families feel confident that they are protected when the unexpected happens. He listens carefully, explains options clearly, and builds coverage tailored to each client. With experience working directly with insurance carriers, Paul advocates for his clients and compares options to find the right balance of strong protection and competitive pricing.

Away from work, Paul enjoys golfing, snowboarding, playing guitar, and spending time outdoors. His friendly, energetic approach makes him easy to talk to and helps clients feel comfortable from their first conversation.

Working with Paul was amazing. He’s an expert in his field and answered every question I had with clarity and in a way that someone with little background of insurance would understand.

- Daneil P.

The Workers’ Compensation Audit: A Colonoscopy For Your Workers’ Comp Policy

By Christopher Sullivan | April 8, 2025

Worker’s Compensation Audit
What the Heck are Dram Shop Laws: Why Your Hospitality Business Needs Liquor Liability Insurance

By Christopher Sullivan | February 25, 2025

Businesses that sell liquor are regulated under Dram Shop laws and protected with Liquor Liability Insurance. Liquor Liability Insurance is fairly self-explanatory and can help businesses with some of the costs they face when someone sues them under Dram Shop law. But what in the heck is a Dram Shop? The word “dram” originally meant […]
Driver Qualification: The Ultimate Checklist for Employers

By Christopher Sullivan | August 14, 2024

Motor vehicle accidents continue to be a leading cause of injury and death in the US. Is your business at risk every time an employee gets behind the wheel? A driver qualification checklist can protect your company, your team, and your bottom line. Here’s everything you need to know. Definition of driver qualification Driver qualification […]
Navigating Liquor Liability: Understanding the Risks for Bar Owners

By Christopher Sullivan | March 21, 2024

Whether you’re a seasoned veteran in the hospitality industry or just starting out, understanding the inherent risks associated with serving alcohol is crucial for the success and safety of your establishment. Let’s break down some of the things you should absolutely keep in mind when it comes to liquor liability. We’ll provide deeper insights into […]
How to Prevent the Most Common Injuries in Hospitality

By Christopher Sullivan | February 14, 2024

The hospitality industry averages more than 90,000 injuries per year. Some of the most common injuries in hospitality range from cuts and bruises to musculoskeletal disorders and severe burns. What are the top causes of employee injury in this important sector, and how can business owners mitigate their risk? Let’s dive in. What types of […]
How Much Does Business Insurance Cost?
Breaking Down Premium Calculations

By Christopher Sullivan | February 7, 2024

A recent survey by Next Insurance found that 96% of business owners didn’t achieve a passing grade when quizzed about basic insurance knowledge. This isn’t surprising. We expect business owners to be experts in their industry and business strategy, not insurance. But when it comes to understanding your insurance costs, you don’t want to be […]
The Commercial Insurance Underwriting Process:
How To Stand Out

By Christopher Sullivan | January 31, 2024

To business owners, the commercial insurance underwriting process can seem like a mystical process that happens behind closed doors. But the truth is that most underwriters and business owners share the same goal: to create an accurate picture of the business’s risk. What happens during the underwriting process, and how can you stand out as […]
How does legalized marijuana affect workers compensation?

By Christopher Sullivan | February 17, 2023

Does Missouri’s Workers Compensation statutes require post-accident drug testing, and is that affected by the recent passing of Amendment 3? As the employer, you are always liable for the safety and well-being of your employees in their work environments, and this includes promoting and maintaining a drug-free workplace. But with the passing of Amendment 3 […]
How the New Recreational Cannabis Bill in Missouri Impacts Insurance for Business Owners

By Christopher Sullivan | December 9, 2022

On November 8th, 2022, Missouri became the 21st state in the US to legalize recreational cannabis. As Amendment 3 went into effect on December 8th, 2022, cannabis business owners must understand updated rules and regulations that may impact their various insurance policies, how they operate their business, and manage their employment staff. Below, we’ll discuss […]
Property Insurance for a Cannabis Company

By Christopher Sullivan | June 30, 2022

Regarding successful commercial cannabis company — property insurance is an integral piece of the puzzle. However, legal considerations surrounding insurance for cannabis companies are incredibly nuanced and cumbersome due to state and federal regulations. Furthermore, the many types of property insurance within the scope of cannabis operations are extensive. Whether you’re a facility owner or […]

Partner with Paul

Any agency can sell you an insurance package. But sustainable business growth isn’t just about insurance. It’s about controlling risk and protecting what you’ve built.

Integrated risk management helps you make better business decisions by incorporating risk-aware practices, processes, and technologies into your operations.

When you partner with POWERS, you get dedicated risk experts on your team. Together, we’ll develop a complete risk management plan based on your unique risks and goals.

Then, we’ll help you put your plan into action and measure your success using our POWER Process. Begin your insurance quote with Paul Catanzaro at POWERS® Insurance & Risk Management and explore coverage options tailored to your needs.