Motor Vehicle

• Auto Insurance
  A vehicle collision is never good news, but when it’s one of your business’ cars or trucks, the consequences are more complicated. Business auto insurance, also called commercial auto insurance, takes all the elements of normal auto coverage and adds on extra protection.

Property

• Renters Insurance
  You might think that your landlord’s insurance covers your personal possessions. However, that only covers the building itself. Renters insurance is the only way to protect your valuables, and it’s much more cost-effective than you’d think.
• Home Insurance
  Rental property insurance is a specialty home insurance policy for the property owner rather than the tenant. It’s similar to a homeowners policy but is designed to account for the differing risks that you face when you rent a property rather than live in it yourself.
• Condo Insurance
  Condo building insurance can be complicated. Specialty condo insurance recognizes the many different risk types and provides clarity regarding which parties are responsible for covering which risks.
• Landlord Insurance
  Your condo association’s insurance policy likely covers certain aspects of your condo, such as common or shared areas. As a result, it may cover your condo unit, but not any improvements you make or fixtures you add to the condo. It also won’t cover your personal possessions. Condo insurance is designed to make up for this shortfall. It’s a mixture of the better-known landlord insurance and renters insurance but is specially designed for your particular condo.

Health and Life

• Life Insurance
  When employees are worried about their financial situation, they may not be as productive. Many individuals today do not have life insurance or adequate savings to cover final expenses, which places additional stress on employees and/or their families when the need arises.
• Health Insurance
  No one wants to think about getting cancer, having a heart attack, or suffering a stroke. Illnesses like these can be devastating for your employees and their families in many ways, not the least of which is financially. Even with health insurance, situations like these can leave someone owing tens of thousands of dollars in medical bills. Critical illness insurance can help.
• Disability Insurance
  Disability insurance protects your employees from a temporary loss of income and is a fundamental part of a quality employee benefits package. We’ll implement a plan structured just for you.
• Dental Insurance
  The National Association of Dental Plans and the Centers for Disease Control have performed studies that show that employees with dental insurance plans have better attitudes and are less likely to suffer from depression, as well.
• Vision Insurance
  Help your employees maintain their eye health and vision by adding a group vision insurance plan today. There are many affordable plans for you to choose from, so you can get the best possible coverage no matter how many employees you have.

Business

• Business Insurance
  We specialize in a wide variety of insurance solutions to meet your needs. Whether you’re looking for personal insurance, business insurance, or employee benefits, we provide quality service and advice you can count on. Contact us today to get started.
• Commercial Property Insurance
  Commercial property insurance protects your assets in the event that they are stolen, damaged, or destroyed in a fire or natural disaster. We’ll partner with you to design insurance coverage that will protect your company’s property.
• Workers Compensation Insurance
  Workers' compensation protects your employees should a job-related injury or sickness occur during the course of employment. This coverage is required by law, so be sure that you understand your obligations.
• Commercial Liability Insurance
  A Business Owners Policy (BOP) combines business property and business liability insurance into one convenient policy. We’ll work with you to design coverage that protects your business from a variety of risks, unique to your industry.
• Professional Liability Insurance
  With so many different hands involved in the development process, professional liability insurance is essential coverage for any real estate developer insurance program. This coverage offers protection for damages caused by wrongful acts, including errors, omissions, or negligence committed during any stage of development operations. One mistake can leave you liable and dealing with a lawsuit, so make sure you have the right protection.
• Builders Risk Insurance
  An early stage of developing real estate involves building on your land. Any structures you build are at risk of damage caused by fire, wind, theft, or vandalism. For this, builders risk insurance is essential. It’ll cover any structures, materials, or equipment for the buildings. However, builders risk insurance does have some common exclusions, like earthquake, flood, and employee theft. Therefore, you’ll need to look into additional coverage if those are a concern for your development business.

Personal

• Liability Insurance
  General liability insurance mainly covers bodily injury to people outside of your business and physical damage to their property. A few exceptions to this principle include data loss and reputation damage (for example, if one of your business’ staff members defames a client). It’s important to note that general liability coverage doesn’t apply to cases where you are sued for giving inadequate professional advice. Errors & omissions insurance (E&O) can help to protect your business from that specific type of risk.

Natural Disaster

• Flood Insurance
  Purchase a flood insurance policy to protect your home and covered contents from certain types of flood losses as designated by the National Flood Insurance Program. A flood policy is purchased as a separate policy through the federal program (NFIP) or through a servicing carrier known as a write your own carrier.