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Welcome to 123 Insurance, Pam Parah-Tobin Agency.

We are located in Saint Albans, Vermont, in the heart of beautiful Franklin County. We will customize an insurance package and “shop” it each year to guarantee you have the best price and coverage at every renewal.

We work hard for YOU to save YOU money and give YOU better coverage……..it’s as easy as 123!

We offer a full range of products from auto, home, farm, to business insurance. We are proud and very fortunate to represent some of the best insurance companies doing business in Vermont, including several Vermont-base companies. We believe in supporting locally owned businesses.

 123 Insurance Map
123 Insurance Map




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Companies We Represent

  • Maine Mutual Group
  • Vermont Mutual Insurance
  • Northern Security Ins Co
  • Granite Mutual Insurance
  • Union Mutual Ins Co
  • New England Guaranty Ins Co
  • Safeco Ins Co
  • Patriot Mutual Ins Co
  • Frankenmuth Ins Co
  • Progressive
  • Surplus Line Managers
  • New England Excess Exchange
  • S&H Underwriters
  • Firstcomp
  • American Modern Home
  • Foremost Insurance
  • Merchant’s Group


  • homeowners, mobile home owners, farm
  • auto and commercial vehicles
  • boats and yachts
  • motorcycles
  • umbrella liability
  • life insurance (Nichols)


  • commercial property and business auto
  • restaurant packages
  • workers' compensation
  • general and excess liability
  • contractors

Contact Information

123 Insurance Agency, Inc.
123 South Main Street
St Albans, VT 05478
Phone: (802) 524-0202
Fax: (802) 524-3029