107 Airport Rd. Westerly, RI 02891 (401) 596-0146 service@thorptrainer.com
What is an Independent Agent? 

Independent Agents’ do not work for one specific insurance company.  Thorp & Trainer acts as your partner providing the most comprehensive and affordable coverage for your lifestyle. We offer quotes with our various companies to help protect your auto, home, life, and business.  There are many advantages to working with an Independent Agent as opposed to a direct-to-consumer insurance company.


Thorp & Trainer’s staff is both professional and compassionate to your needs. We stay current with industry trends, policy language and continuing education.  We act in your best interest and can provide you with the best advice, advocacy, and coverage for your unique situation. This knowledge is key when comparing rates and finding you the most comprehensive coverage with all applicable discounts that you may qualify for to help save you money.


Having an Independent Agent saves you the time energy and aggravation of comparing rates with direct-to-consumer companies.  Thorp & Trainer will provide a preferable rate through our partnerships with the insurance companies that we represent.

Personalized Service

Should you have a question about your premiums, rates, coverage or need to file a claim, your Thorp & Trainer account manager can provide personalized service without going through multiple phone prompts or waiting on hold.  Should something come up, your account manager is here to resolve your problem quickly providing you with the answers.

Personal Advisors

Thorp & Trainer account managers work to find a policy that is budget friendly while giving you many coverage options to choose from. We provide insurance products that protect your assets.  We review policies annually and are available year-round to assist with any changes you may need such as updating your auto policy, insuring a vacation property, changing your address, and answering specific questions about coverages, discounts, deductibles, and claims. 


Thorp & Trainer was established in 1910. We are an Independent, Trusted Choice Insurance Agency. Howard Thorp has been President of Thorp & Trainer since 2005.   He represents the fourth generation to lead Thorp & Trainer.  He is a 1990 graduate of The Citadel. Howard is also a Certified Insurance Counselor (CIC) and an Accredited Advisor in Insurance (AAI). He believes in the importance of community service and has been an active volunteer and leader at several nonprofits, including past president at Stand Up for Animals, Independent Insurance Agents of Rhode Island (IIARI), and Literacy Volunteers of Washington County. He is currently the treasurer of the Charlestown Chamber of Commerce.  

Howard recognizes the importance of having an amazing and committed staff who average 16 years of service with Thorp & Trainer.