Motor Vehicle

• Auto Insurance
  In case you’re involved in an accident, auto insurance provides financial protection for you and your family. It pays for the damage and injuries caused by the accident and for repairing or replacing your vehicle if it is damaged or stolen.State Requirements
• Motorcycle Insurance
  At Osborne Insurance, we specialize in offering the kind of motorcycle insurance coverage that gives you real peace of mind. And the new motorcycle insurance program has been developed to help you enjoy every trip out on the open road.
• Truck Insurance

Property

• Renters Insurance
  Just because you rent, doesn’t mean your possessions aren’t worth protecting. You may think your couch, coffee table, sweaters, shoes, coats, TV, VCR and CD player aren’t worth a lot but those items all add up. That’s one of many reasons why you need Renters Insurance..
• Home Insurance
  At Osborne Insurance Agency, we understand that your home is perhaps your most valuable possession. That’s why we work hard to provide you the best coverage, tailored to your needs, at a reasonable price. Typically, a  Homeowners Insurance policy provides the following coverages.

Health and Life

• Life Insurance
  Term Life Insurance is the right choice when you’re looking for temporary coverage to fit your current family or business needs. These plans generally provide the most coverage for your insurance dollar. What’s more, several of the plans are renewable or even convertible to permanent forms of coverage that lock in your premium cost over the life of the policy.
• Health Insurance
  You insure your house and your car because they are an important part of your life. You have health insurance to pay the medical bills if you should become ill. Disability insurance falls in the same category — when you need it, there’s no substitute. And until you need it, it provides priceless peace of mind and security. What are the chances of actually needing disability insurance? You are three times more likely to be disabled for three months or more between the ages of 35-65 than you are to die.
• Disability Insurance
  Your income is essential to virtually every aspect of your life – disability insurance helps to ensure that that income doesn’t stop in the event of an illness or disability. But deciding if, and what kind of a disability policy is right for you can be a complex matter.
• Long Term Care
  Long term care is something you may need if you can no longer perform everyday tasks by yourself. For example, there may come a time when you need help getting dressed, eating or bathing. It also includes the kind of care you would need if you had a severe cognitive impairment like Alzheimer’s disease.  You can receive this care in a variety of settings, including your home, an assisted living facility or a nursing home.

Business

• Business Insurance
  Every business needs insurance to protect against potential loss or damage. Commercial general liability and property coverage are two of the most basic forms of business insurance.
• Workers Compensation Insurance
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• Commercial Liability Insurance
  Today’s restaurant environment is more complex than ever and you want to know you’re covered for the unexpected occurrence. All-in-One Restaurant Package includes Business Liability, Property and Crime coverages designed to meet your needs. Whether your restaurant is elegant, trendy, traditional, ethnic or homestyle we have the package for you. We specialize in providing insurance for the following types of restaurants...
• Professional Liability Insurance
  We recommend you take the time to review your policy coverage’s as your company grows with your agent or broker. It’s also important to shop your insurance premium and coverage’s to see if you have the best available… We have preferred programs that include 12 months loss of rents at no extra costs. Do you have Professional Liability as a Landlord? We have preferred programs that included professional liability as a Landlord.
• Restaurant Insurance

Personal

• Liability Insurance
  Unfortunately for every business owner, the chances of getting sued have dramatically increased in the last decade. General Liability insurance can prevent a legal suit from turning into a financial disaster by providing financial protection in case your business is ever sued or held legally responsible for some injury or damage.

Natural Disaster

• Flood Insurance
  If you are a renter and need personal property, contents or liability coverage please select the renter property option. If the property is a single family dwelling, owner occupied, please select the homeowners option. If you need flood insurance coverage for your dwelling, property or business please select the flood option. If the property is a mobile home owner, rental or seasonal occupied please select the mobile home option. If the property is a multi unit residential building with five (5) units or more please select the apartment building option.
• Earthquake Insurance
  It is possible that even if you take steps to protect your property, an earthquake could still destroy your home or cause a level of damage that will require major repair, and you will need to repair or replace belongings. One option for managing these potential costs is to buy earthquake insurance, which can help you recover from devastating damage.