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Welcome to JMS & Associates, LLC.

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Your dedicated insurance agency, serving the communities you live in.


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JMS perform timely responses to inquiries and requests. With this process being new to us, they take the time to walk us through the steps.

Dexter Roundtree

Always appreciate the quick call backs whenever I have questions as well as all the sound advice.

Raymond S., customer since 2011

I like the fact that Joe has gone through what I am going right now (business related). He Is willing to answer all my questions/concerns; Good guy.

Customer since 2014

Joe and his team have always been there for me, kept you informed, and are always on top of all of my business needs. I would highly recommend JMS in all the services they offer. I couldn’t live without them. Their the best! Cindy Seaton

Cindy S., customer since 2009

I guess the real test will come if there is a claim. Right now the bill comes, we pay online (which is great), so we don’t have much to go by so far.

Customer since 2013

Support, follow up and completeness was everything I needed. Thanks,

Customer since 2014

Very helpful. Questions were answered promptly. Friendly service.

Customer since 2014

Very fast response to my a great rate in very little time. Thanks!

Customer since 2009

Every thing I ever need , I just call Joe Saggese, and I get a solution for what ever I need done. The best ins. agent that I ever had!!

Fernando F., customer since 1993

You and your associates are the best; you have help me from the start to end. Thanks!!

Lidia Q., customer since 2009

Great personal service and not always pushing you into policies that are not necessary.

Mark P., customer since 2005

What you do right, is I don’t have any issues; so doing business with you is simple.

Customer since 2009

Great service, Great advice, and always there to answer my guestions

Joe T., customer since 2010

you give good advise

Customer since 2011

Joseph and his team always go above and beyond to meet my companys need. Doing bussiness today is already a stress on its own, knowing I have them to help me makes thing better and easier.

Marcos L., customer since 2010

You work fast on my policy and when i ask for certificated of insurance you sand them fast to GCC. that i feel is the best thank you Joseph Saggese

Nelson M., customer since 2011

Joseph was always warm but straight forward. I appreciated that.

Bernard L., customer since 2012

I really appreciate how your team handle things, and make me feel I’m your #1 priority. Thank you guys!

Naterico G., customer since 2000

Best experience ever with an insurance agent. Most responsive and knowledgeable and responsive to our needs.

Ata D., customer since 2013

Usually very responsive. Understands the needs of small businesses.

Eric T., customer since 2010

Very fast and accurate service

Craig T., customer since 2014

great service, and the ability to understanding your needs

Robert F., customer since 2010

I was in a bind and needed insurance quickly and JMS shopped and found the insurance that I needed for a price that I could afford. A friend of mine referred me to JMS and I would definitely refer them to anyone looking for insurance for their business.

Customer since 2012

Having the option to pay the premiums monthly worked well for me this year and enabled me to catch up on some of my other debt..Thank you JMS.

Brandon G., customer since 2013

Always get a quick response from Joe when I need a certificate of insurance last minute.

Connie B., customer since 2013

Always striving to get the best deal For me. Taking care of all my desires. Feeling like I am the only client thus you are so much at my disposal.

Abdoul S., customer since 2013

I have been using JMS for over 10 years and its great to have someone on the other end of the line that knows what they are doing! From business to auto to workman’s compensation, Joe has helped me with it all, timely and professionally. Do yourself a favor and give them a call today!

Richard U., customer since 2002

Customer service is great. Ease of Insurance enrollment is also great..

Simon O., customer since 2013

Your services is very professional, and I like your quotes I realy will recommend your services.

Carlos G., customer since 2010

I was referred to JMS through my auto insurance carrier a few years ago because they would not cover me for business insurance because I had not had a previous policy. Joseph and his team made it so simple, fast and easy. I did work for an insurance company who required me to have a policy and they took a look a what JMS insured me for and said they couldn’t do a better price either. I would recommend anyone with a policy who likes saving money and great service to contact JMS and give them a shot

Jared N., customer since 2012

You always look for the best value for our insurance needs for both our business and personal . Always in contact with reminders and updates Always upbeat and friendly.

Dan M., customer since 2011

This company was very helpful and accommodating when it came to providing my company a policy that fit our needs, at quite short notice. Also, we have called several times for updated paperwork, and they have always been extremely helpful!

Customer since 2013

Good service, quick response, and helpful

Customer since 2013

Very personable. I appreciate having someone who I can contact readily and always friendly and attentive. Thank you!

Mark G., customer since 2014

jms is always available when you need and never let me without answer and great customer service .

Antonio P., customer since 2005

I’ve referred several friends whom have policies with you now.

Nathan Perkins, customer since 2015

You do what needs to be done. No hassles.

Edward Balinsky, customer since 2016

Customer service is awesome.

Hugo Amaya, Customer since 2011

They are very responsive and explain all products available for your needs.

Lilia Machado, Customer since 2010


I think Joe paid attention to my personal and business situation and applied his knowledge and expertise to make a custom economical Insurance fit for me and my Company. Thank you.

Tim Kelly, Customer since 2015

Couldn’t be any happier with the service that Joe and Theresa provide!! Always there for me when I need them.

Carlos Gonzalez, Customer since 2010

Perfect Customer Service

Rimer Delgadillo, customer since 2013

Joe find good policies at good prices!

Jerome Marshall, Customer since 2015

My consulting practice has somewhat odd insurance requirements that can change whenever I acquire new customers. JMS has always worked with me to update my coverage in a timely manner to insure I satisfy my customers’ requirements.

Customer since 2010

Pris’ Paper, Customer since 2010

The service has been, when you call, someone answers; that’s a plus

Russell Hunter, Customer since 2011

Provided guidelines for a better understanding of business insurance.

Carlos Rios, Customer since 2011

Always thorough in providing responses to questions and quick to provide things such as certificates of insurance.

Ric Wyatt, Customer since 2011

I love the service Mr. Joseph is always there to help you

Katia Blanco, Customer since 2010

Joe is very knowledgeable. And provides great feedback. All in all great to work with.

Danny Hicks, Customer since 2014

Joe is very knowledgeable about the specifics of the residential contracting business. He has helped me with valuable info regarding my field

Ralph Reckling, Customer from 2009

The best customer service I have received in a long time

Eric Greene, Customer since 2009

It’s a good price it’s easy to have my insurance certifications emailed to new customers and payments come straight out of my bank account.

Mike Cosgrove, Customer since 2015

I was asked about a good Commercial Insurance Agent. I recommended Mr. Joe Saggese; He contact Mr. Saggese and left a message. Mr. Saggese responded right away and was very professional and helpful. I appreciate the professionalism and the timely response in which he handled my friend situation. Thank you!

Daryl Thornton, Customer since 2016

I don’t feel that I’ve ever dealt with Insurance Agent that cared more about my needs before their profits or personal games. For the first time in a long time I felt like I was dealing with somebody that actually cared about their business and their customers as I feel and care about my customers. It was really nice finding Joe that actually did his job, instead of upfront profits or commission.

Nathan Owen, Customer since 2016

Joe and his team always on top of things, quick response and good service Him being a former contractor he knows about the worries and needs of small business.

Daniel Marucha, Customer since 2013


Our team of insurance specialists is committed to providing you with the highest quality insurance plans available combined with the lowest rates available in your area. Whether you’re shopping for auto insurance, home insurance, health, life or business insurance, we can help get you the best coverage with the lowest rate possible.

Our ultimate goal is to create lasting relationships with each of our clients so that we may continue providing excellent service for many years to come.

We specialize in the following Insurance Services:

Although we are located in Glen Allen, Virginia, we offer unparalleled service and competitive quotes to clients throughout the entire State of Maryland, North Carolina, and Virginia!

Call Us Today! (866) 567-8082