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.
