Motor Vehicle

• Auto Insurance
  All sizes of businesses look to the Commercial Auto policy to obtain appropriate coverage for their vehicles, whether they are cars, vans, trucks, buses or semi trucks. The Commercial Auto policy provides the limits required by businesses with no limitation on the number of vehicles.
• Motorcycle Insurance
  Bikes can get expensive, so having comprehensive and collision coverage should be a priority. Street bikes such as the Honda can cost from a low of $4000 and go up to over $10,000. The well known Harley-Davidson line of bikes can get as high $30,000 so insuring these monsters is a no-brainer. The Motorcycle Insurance policy is very similar to the Personal Auto policy and provides a package of coverages necessary to cover the owner of the bike.
• Boat Insurance
  Boats sink; it’s a fact of life. People get hurt when there’s a collision; it’s also a fact of life. According to reports offered by the Insurance Information Institute, there were over 4,000 boating accidents reported in 2013. The most economical way to protect yourself from a financial disaster is to transfer your risk to a boat insurance policy that, in most cases, is very affordable. Similar to the personal auto policy, the boat policy is a package deal that can be customized by endorsement to meet your individual needs.
• RV Insurance
  When you consider the cost of a moderately priced Class A motor home, you might expect the cost to insure it would be significant. The truth of the matter is that when you compare a typical RV insurance policy to the value of the asset, the cost is very reasonable.
• Snowmobile Insurance
• Inland Marine Insurance

Property

• Home Insurance
  Although every homeowner insurance company has been announcing to all their customers that floods are not covered under their policy, the question is continually raised; flood’s not covered? No, damage from flood water is not covered under your homeowner’s insurance policy. It is covered, however, under your Flood Insurance policy.
• Condo Insurance
  For the unit owner, the inside of the unit, the liability risk, and personal property is the unit owner’s responsibility. This responsibility is easily transferred to an insurance company by way of the Condo Insurance Policy which contains a package of coverages...

Health and Life

• Life Insurance
  Most people are easily convinced that they should insure against health care costs, death, and the value of their stuff. It is startling, however that most people neglect to insure against the loss of their ability to earn. Looking at historical data, one will find that becoming disabled, especially in the early years of the earnings cycle, is more probable than dying yet disability income policies are purchased less often than life insurance.
• Health Insurance
• Disability Insurance
• Long Term Care
  Long-term care is the assistance given to anyone who needs help with normal activities of daily living (ADLs) – such as eating, bathing, dressing, transferring, or continence. It’s also the supervision of persons with cognitive impairment, such as Alzheimer’s disease. Long-term care services may be provided at home, at an assisted living facility, at an adult day-care center, or in a nursing home.

Business

• Business Insurance
  Because the Braley & Wellington Group is a Trusted Choice Independent Agent we are free to shop multiple providers on your behalf. More freedom means more options and more savings for you.
• Commercial Property Insurance
  Business and property owners that want to insure only the building and its contents can look to the Commercial Property Insurance policy for coverage. This policy pays to repair or replace the building and its subject to the perils prescribed in the policy. Although it is considered to be a monoline policy, Commercial Property Insurance provides more coverage than just building and contents.
• Workers Compensation Insurance
• Commercial Liability Insurance
  When designing your company’s business owner’s policy, it is important to keep in mind the limits of liability that are available to you. Since the difference in price between $500,000 and $1 million in coverage is minimal, it makes more sense to select the highest limit available. If you feel the $1 million limit is inadequate, ask your agent or broker about purchasing a commercial umbrella to increase the limit to a level of comfort. The property risk for a business owner can easily be quantified by the value of the property at risk, but the liability risk cannot be quantified and, therefore, the higher the limit, the better.
• Professional Liability Insurance
  Professional Liability Insurance – a “malpractice” type of insurance for those who provide professional advice or services to others. Coverage is for claims that allege damage that is NOT injury to others or damage to the property of others. Example—architect’s error in design causes $50,000 additional cost for a change order to correct the design problem.

Personal

• Liability Insurance
  Often referred to as “rich man’s insurance,” nothing could be further from the truth. A Personal Umbrella Policy offers an additional layer of liability coverage that kicks in when the limits of the underlying policies have been reached. This umbrella or excess coverage should be seriously considered by more than just the wealthy.
• Identity Theft Insurance
  It’s important to understand that identity theft insurance does not prevent identity theft, although most companies provide free best practice information to help the consumer mitigate their risk. Also, the policy does not reimburse for stolen funds, documents or property. In most cases, the cost of reporting and restoring the consumer’s identity can be far more costly than the actual loss of funds.
• Wedding Event Protection
  Most wedding events consist of more than one event such as the rehearsal dinner, the wedding ceremony and the reception that follows. If you are hosting this event at any venue other than your home, the venue management is going to require liability insurance. Fortunately, many insurance carriers offer a packaged Wedding Insurance policy that can be very reasonable for the coverage it provides. Depending on the company you purchase from, you can expect to receive coverage for the following...

Natural Disaster

• Flood Insurance
  Unless your home sits on top of a hill or mountain, you should purchase flood insurance. Almost 30% of flood insurance claims paid each year are for flood damage to structures that are not in a hazardous flood zone. Significant damage is caused by flood water resulting from the failure of the infrastructure in older neighborhoods where the infrastructure has not been maintained properly. If the water from rainstorms cannot go down, it will always rise and in many cases into homes and buildings.