Hermes Almaguer create a model Business Multiservice business in 2008 as a partnership doing a successful business assisting to the community, lately in 2024 the partnership ended and Hermes decided to pursue his dream creating Almaguer Enterprises Llc who was founded with one simple goal: to make a business with decades of combined experience, our team offers top-tier services backed by a commitment to customer satisfaction. Hermes became a realtor and start helping the community getting acquired the NAR designations as an Accredited buyer representative and Seller Representative Specialist, CIPS knowing the Business of US Real Estate.

Why Choose Us?

Expertise

With years of experience in the industry, our team of professionals understands your needs.

Affordable Solutions

We offer competitive rates and customizable coverage.

24/7 Support

We're always here to help, with assistance at any time of the day or night.

Where everything started!

Hermes Almaguer

Comprehensive Insurance Plans for Every Need

Whether you're protecting your car, home, health, or business, we’ve got you covered.

Auto Insurance

Protect your vehicle and loved ones with coverage that fits your driving habits and budget.

Home-Renters Insurance

Secure your home from the unexpected, including fire, theft, and natural disasters.

Life Insurance

Ensure your family’s financial stability after you're gone with affordable life insurance plans.

Protect your business with tailored coverage for liability, property damage and employee well-being.

Business Insurance

Health-Dental-Vision Insurance

Get the medical care you need without worrying about the cost. Choose from various plans to suit your needs.

Property Protection and more

Have unique needs? Let us design a plan that offers the protection you require.

Got Questions? We’ve Got Answers!

Can I customize my plan?

A: Absolutely! We offer flexible plans that can be adjusted to fit your specific needs.

Q: What does insurance cover?

A: Insurance coverage varies by type, but typically it covers risks such as damage, theft, or accidents. Contact us for a breakdown of specific policies

Q: How can I get a quote?

A: You can get an online quote in minutes or speak with one of our agents by phone or email.

Predict the future

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Auto/Motorcycle Insurance
Great Auto Insurance Coverage Options to Fit Your Needs Choose from 3 standard options or customize your coverage to fit your needs and budget! Infinity wants to make it as easy as possible for you to find the right car insurance coverage. Whether your budget is limited and you need to meet state­-minimum requirements or you want the best protection possible, Conexion Latina insurance has you covered!

Discover incredible savings with multiple discounts today! You can get discounts for everything from insuring multiple cars to being a homeowner. Your discounts will be directly applied to your quote, so start yours for free today!Great! How do I get my quote? Conexion Latina Insurance makes it easy to get a free quote nline or by calling 717-397-0139. You’ll be able to customize your car insurance coverage during the quote process so you can find a rate that will protect your vehicle and fit your budget. A few things you’ll want to gather ahead of time to complete the quote are: ­

Driver ­- We will want to know who will be insured to drive your car(s), so you may want to gather the information (name, birthdate, license number, etc.) for each driver ahead of time.
Car Info - Find out the year, make, and model or the VIN number of the vehicle(s) you want to insure. ­
Insurance - Make sure you have on-hand information about your most recent insurer. Now you’re ready to start your free online quote or call us to handle the best offer in the market

Safer, economical vehicles, such as minivans and mid-sized SUVs, are typically the most inexpensive cars to insure. These cars are less expensive to replace and/or repair than other vehicles, and they are less likely to be stolen. Luxury and sports vehicles with high replacement costs, on the other hand, cost the most to insure because they are more likely to incur high cost claims due to crashes or theft. In general, the more expensive the car is to purchase, the more expensive the insurance on the car will be.

Switch-And-Save Discount - Do you need an extra reason to jump over? Switching your coverage over to a New Auto Insurance means a discount of up to 15%. Why you're paying more than your neighbor?

Business and Commercial Auto
As a business owner, you need the same kinds of insurance coverages for the car you use in your business as you do for a car used for personal travel -- liability, collision and comprehensive, medical payments (known as personal injury protection in some states) and coverage for uninsured motorists. In fact, many business people use the same vehicle for both business and pleasure. If the vehicle is owned by the business, make sure the name of the business appears on the policy as the "principal insured" rather than your name. This will avoid possible confusion in the event that you need to file a claim or a claim is filed against you.
Whether you need to buy a business auto insurance policy will depend on the kind of driving you do. A good insurance agent will ask you many details about how you use vehicles in your business, who will be driving them and whether employees, if you have them, are likely to be driving their own cars for your business.
While the major coverages are the same, a business auto policy differs from a personal auto policy in many technical respects. Ask your insurance agent to explain all the differences and options.

Workers Compensation
Workers compensation laws were created to ensure that employees who are injured on the job are provided with fixed monetary awards. This eliminates the need for litigation and creates an easier process for the employee. It also helps control the financial risks for employers since many states limit the amount an injured employee can recover from an employer.
Workers Compensation Insurance is designed to help companies pay these benefits. As a protection for employees, most states require that employers carry some form of Workers Compensation Insurance. Workers Compensation Insurance is not health insurance. Workers Compensation is designed specifically for injuries sustained on the job.
In most states, if you have employees, you are required to carry Workers Compensation coverage. Even in non-mandatory states, it can be a very good idea, particularly if you have many employees, or if they are engaged in hazardous activities.
Do I need workers compensation insurance?
Employers have a legal responsibility to their employees to make the workplace safe. However, accidents happen even when every reasonable safety measure has been taken.
To protect employers from lawsuits resulting from workplace accidents and to provide medical care and compensation for lost income to employees hurt in workplace accidents, in almost every state, businesses are required to buy workers compensation insurance. Workers compensation insurance covers workers injured on the job, whether they're hurt on the workplace premises or elsewhere, or in auto accidents while on business. It also covers work-related illnesses.
Workers compensation provides payments to injured workers, without regard to who was at fault in the accident, for time lost from work and for medical and rehabilitation services. It also provides death benefits to surviving spouses and dependents.

Write your General Liability

If you have a personal umbrella liability policy, there's generally an exclusion for business-related liability. Make sure you have sufficient auto liability coverage. Unfortunately for every business owner, the chances of getting sued have dramatically increased in the last decade. General Liability insurance can prevent a legal suit from turning into a financial disaster by providing financial protection in case your business is ever sued or held legally responsible for some injury or damage.
General Liability pays losses arising from real or alleged bodily injury, property damage, or personal injury on your business premises or arising from your operations.
Broad Range of General Liability Protection

Bodily Injury, including the cost of care, the loss of services, and the restitution for any death that results from injury

• Property Damage coverage for the physical damage to property of others or the loss of use of that property

• Products-Completed Operations provides liability protection (damages and legal expenses up to your policy's limit) if an injury ever resulted from something your company made or service your company provided

• Products Liability is a more specialized product liability insurance that protects your company against lawsuits from product-related injury or accidents

• Contractual Liability extends to any liability you may assume by entering into a variety of contracts

• Other coverage includes Reasonable Use of Force; Borrowed Equipment; Liquor Liability; Non-Owned Vehicles (such as aircraft and watercraft); Fire, Lightning or Explosion Damage; Water Damage Liability Protection; Legal Defense Costs; Medical Payments; Personal Injury; Advertising Injury; and specialized liability protection for specific business types text here...

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There are many kinds of life insurance, but they generally fall into two categories: term insurance and permanent insurance.

Term insurance is designed to meet temporary needs. It provides protection for a specific period of time (the "term") and generally pays a benefit only if you die during the term. This type of insurance often makes sense when you have a need for coverage that will disappear at a specific point in time. For instance, you may decide that you only need coverage until your children graduate from college or a particular debt is paid off, such as your mortgage.
In contrast, permanent insurance provides lifelong protection. As long as you pay the premiums, and no loans, withdrawals or surrenders are taken, the full face amount will be paid. Because it is designed to last a lifetime, permanent life insurance accumulates cash value and is priced for you to keep over a long period of time.
It's impossible to say which type of life insurance is better because the kind of coverage that's right for you depends on your unique circumstances and financial goals.
But remember, the best way to figure out the amount and type of life insurance that makes sense for your particular situation is to meet with a qualified and licensed life insurance professional.
Most people are familiar with the basics of life insurance. You pay a premium and your family receives a monetary payout when you die. But there is more than one type of life insurance policy that can protect your family’s financial future. You must decide which type of life insurance is right for your needs.

• It is designed to pay out immediately.

• Rates never increase, and benefits never decrease.

• Most people can easily qualify.

• It is a more affordable alternative to life insurance.

If you are not sure whether final expense insurance is for you, we can answer your questions. Call us today, and we can help you protect your family’s future.

What is term life insurance?

Term life insurance is the most affordable type of life insurance. This makes it popular among young adults who are just starting families of their own. With a term life policy, you select the number of years—the term—in which your policy will be active. You may find monthly premiums to be affordable. But, keep in mind that dependents will receive a payout only if the policyholder dies within the specified term.
What are the benefits of term life insurance?

If you wish to leave a legacy behind for your family, life insurance is an important consideration. Term life insurance provides an affordable way to ensure your family can continue making ends meets. Because this is the most basic type of life insurance, it’s easy for many to fit it into their budgets. And you’ll pay the same rate for your entire term, regardless of waning health.
Most insurance providers allow you to select a term of one to 30 years, giving you the option to lock in your rate for longer. When you renew a term life insurance policy, your new rate is recalculated based on your current health and other factors. This is why many people lock in their rate for longer terms.
Get started today!
Are you wondering how much term life insurance would cost you? Fill out a quote form today, and let our agency find a policy for you. All it takes is a few minutes to provide your family with years of financial protection.

What is universal life insurance?
Universal life insurance is a form of whole life insurance that gives you more control when it comes to how your money is being handled. It combines the low-cost coverage of term life insurance with the savings element of whole life insurance. Universal life insurance provides more flexibility than other policies. You can review and adjust premiums, savings element and the death benefit as circumstances change.
What are the benefits of universal life insurance?
With a universal life insurance policy, you can shift money between the insurance and savings components as the market and interest rates change. This control is great for people who prefer a hands-on approach to investing. For example, if your savings component has low returns, you can use it to pay the premiums instead of paying out of pocket.
Get started today!
Want to learn more about universal life insurance? Contact us to learn more about it. We’re happy to answer your questions and help you find a policy that meets your needs.

What is variable life insurance?
Variable life insurance is a form of whole life insurance that gives you more control over your investment options. This policy also includes a cash value account, which is invested into many sub-accounts of your choosing. As your policy’s cash value grows, you can use the profits to increase the death benefit you leave behind. Or, you can withdraw funds as necessary.
What are the benefits of variable life insurance?
A variable life insurance policy is great if you prefer to do your own investing. Like all investments the policy’s cash value can grow or decrease depending on the investment fund performance. Plus, annual growth of your policy’s cash value account is not taxed as ordinary income, which can save you money in the long term.
Get started today!
Choosing the right variable life insurance policy involves many working parts. We’re happy to help you select a policy and set up your investment options. Contact us today to protect your family’s financial future.

What is whole life insurance?
Whole life insurance provides financial protection over your entire lifetime. This is different from a term life insurance policy, which provides protection for a specified period of time. Also, known as ordinary life or straight life, whole life insurance is in the cash value category of life insurance. Universal life, variable life, and endowment policies are also in this category.
The premiums of whole life insurance are fixed at the age you buy your policy and do not change as you get older. As long as you pay the monthly premium, your beneficiaries receive a payout upon your death.
What are the benefits of whole life insurance?
Whole life insurance doubles as both comprehensive coverage and an investment tool. Many of these policies invest part of your premium to allow your policy to accrue cash value. You can save these additional funds as part of the death benefit payout. Or, you can withdraw funds to support big life events, such as buying a new home or sending a child to college.
Because whole life is more comprehensive, premiums often cost more than term life insurance. But, you get a lot more bang for your buck. Plus, your premium remains the same throughout your life. With term life insurance, your rate is recalculated each time you renew coverage.
Get started today!
Want to know more about whole life insurance and how much it might cost you? Call us today for a free, no obligation quote. We’ll find a policy to fit your needs. All it takes is a few minutes to provide your family with years of financial protection.
What is final expense insurance?
Losing a loved one can be an overwhelming experience with decisions to be made regarding funeral plans. Final expense insurance covers the funeral costs of the departed, which saves family members from the stress of a large expense.
Final expense insurance vs. life insurance
Similar to final expense insurance, life insurance also pays the beneficiary upon the death of the insured. However, there are significant differences between these policies.
Life insurance often requires a medical exam and can be denied if an applicant has a preexisting chronic condition. A life policy is purchased for high dollar amounts, often beginning at $10,000, which makes the premiums higher.
There is no medical exam required for final expense insurance. Most applicants are qualified after answering a health questionnaire. The face value of a final expense policy is much smaller than traditional life insurance policies, which results in a lower premium.
What are the benefits of final expense insurance?
Final expense insurance can help your family when they need it most. Here are a few benefits to purchasing a final expense policy:

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Buyers - Sellers

Fill out a simple online form or give us a call. We’ll ask a few questions to understand your needs.

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Once you’ve selected your plan, we’ll make sure you're fully protected and ready for whatever comes next.

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