Personal lines Insurance

 

Homeowner's Insurance

Your home may be the largest investment you make in your lifetime. For the families who live in the home, though, it’s much bigger than that. We understand that your home is not only a roof over your head, but a place of refuge and security from the world. That’s why we work with you to identify and eliminate unnecessary risks and to insure your home adequately so that you can restore your home, and your life, back to normal as quickly as possible when disasters strike.

Auto Insurance

Your vehicle is vital to the way you get through your day. Whether you’re driving to work, school, or to get your children from one appointment to the next, your vehicle is a necessity. Proper insurance helps to ensure that when accidents occur, you’re covered. Whether your issues relate to liability or simply getting your car back on the road after an accident, the right policy will meet those needs and more – as long as you work with a qualified, independent agent beforehand to make sure you’re adequately covered.

Renters Insurance

Renters need insurance too. You have to protect your investment in personal property, electronics equipment, home furnishings, and more. Those things are all expensive to replace when disasters strike. Additionally, renters need liability protection that goes along with their renters insurance. This will help pay lawyer fees, courtroom expenses, and settlements that may be reached if you’re found to be at fault in incidents that injure other people or causes the destruction of their property.

Umbrella Insurance

Liability coverage for your home and automobiles is important. Unfortunately, the standard liability insurance that comes with your homeowner’s and automobile polices is not up to the task of a complex or high-award case. These high-award cases happen frequently enough that it’s in your best interest to consider an umbrella policy to help fill in some gaps in coverage and go beyond the limits of a standard liability policy.

Flood Insurance

Floods occur and leave widespread and prolific damage in their wake. Sometimes it can take days or longer for the waters to recede, causing even more damage to the possessions you’ve spent a lifetime accumulating. Unfortunately, many people do not find out until after the fact that their homeowner’s coverage doesn’t extend to flood damage. In order to have coverage for flood damage you must purchase a flood insurance policy.Most people, though, find that additional coverage, beyond what the NFIP offers, is necessary in order to have adequate coverage for their homes and possessions. We can help you with that.

 

 

Business Insurance

Having knowledge across a wide variety of industries, your business needs will be properly taken care of.  Some of the businesses coverage we offer include, but are not limited to:

 

⬜  Retail & wholesale stores

⬜  Restaurants      

⬜  Convenience stores

⬜   Apartment buildings

⬜  Office buildings

⬜   Shopping centers

⬜  Lodging operations   

⬜  Strip centers

 


Types of Business Insurance

⬜   Property  ⬜  General liability  ⬜  Equipment breakdown  ⬜  Workers compensation  ⬜  Commercial Auto  ⬜  Umbrella  ⬜  Workers compensation  ⬜  Directors and Officers (D&O)  ⬜  Crime  ⬜  Employers Practices Liability Insurance  ⬜  And much more…

Property  

Property insurance coverage. If a storm, fire, theft or other event damages your building, its contents, or any outdoor fixtures (like signs, fencing and landscaping), your business faces serious hardship.

General liability

General liability insurance (GL) is coverage that can protect you from a variety of claims including bodily injury, property damage, personal injury and others that can arise from your business operations.

Equipment breakdown

Coverage applies to the cost to repair or replace the equipment and any other property damaged by the equipment breakdown. Resulting business income and extra expense loss is often covered as well.

Workers compensation

Workers' compensation is a form of insurance providing wage replacement and medical benefits to employees injured in the course of employment in exchange for mandatory relinquishment of the employee's right to sue his or her employer for the tort of negligence.

Commercial Auto

Commercial vehicle insurance, like your personal auto policy, provides similar coverage such as liability, collision, comprehensive, medical payments (or personal injury protection) and uninsured motorist coverage.

Umbrella  

Umbrella liability policy. A policy designed to provide protection against catastrophic losses. It generally is written over various primary liability policies, such as the business auto policy (BAP), commercial general liability (CGL) policy, watercraft and aircraft liability policies, and employers liability coverage.

Directors and Officers (D&O) 

Directors and officers liability Insurance (often called D&O) is liability insurance payable to the directors and officers of a company, or to the organization(s) itself, as indemnification (reimbursement) for losses or advancement of defense costs in the event an insured suffers such a loss as a result of a legal.

Crime

Crime insurance is insurance to manage the loss exposures resulting from criminal acts such as robbery, burglary and other forms of theft. It is also called "fidelity insurance.

Employers Practices Liability Insurance

A type of liability insurance covering wrongful acts arising from the employment process. The most frequent types of claims covered under such policies include: wrongful termination, discrimination, sexual harassment, and retaliation. In addition, the policies cover claims from a variety of other types of inappropriate workplace conduct, including (but not limited to) employment-related: defamation, invasion of privacy, failure to promote, deprivation of a career opportunity, and negligent evaluation. The policies cover directors and officers, management personnel, and employees as insureds. The most common exclusions are for bodily injury (BI), property damage (PD), and intentional/dishonest acts.

 

Life & Health Insurance

Health Insurance

Health insurance is a type of insurance coverage that covers the cost of an insured individual's medical and surgical expenses. Depending on the type of health insurance coverage, either the insured pays costs out-of-pocket and is then reimbursed, or the insurer makes payments directly to the provider.

Life Insurance

Life insurance is the most intimate of insurance products available today. It also happens to be the one people most often overlook. However, its importance cannot be overstated—failing to purchase this important coverage can leave your loved ones in a precarious financial situation if something were to happen to you. We work closely with you to determine which type of life policy is appropriate for you so that you can rest easy knowing that your loved ones will be financially secure if the unthinkable happens.

Disability Insurance

Your number one asset is your ability to earn future income. If that is taken from you through an illness or injury, how will you pay your bills as you recover and are unable to work? Even if you have a disability insurance policy through your employer, it likely will not provide enough benefits to take care of your financial burdens and allow you to focus on your recovery. We take the time to walk our clients through their options and help them determine the best policies for their current needs.