Motor Vehicle

• Auto Insurance
  Your agency has several different carriers and I saved money by coming to Aubert for our Antique Auto Insurance. I have always gotten my Notary Bond through Aubert. It is very convenient right here in Downtown Covington.
• Boat Insurance

Property

• Renters Insurance
  Renters insurance provides coverage for liability and personal property. The owner of the property would bear the responsibility of insuring the property itself, but has not duty to cover the personal property of their tenant. Also the tenant has the responsibility if someone was harmed on the premises. Although the owner should have liability coverage for themselves, the tenant could be responsible as well.
• Home Insurance
  Like home insurance, a boat policy covers you for liability if someone is injured on your craft and gives you the choice between replacement cost or cash value in a total loss. Like auto insurance, boat coverage typically includes coverage for bodily injury that your boat inflicts on others, property damage your boat inflicts on docks and other boats, and physical damage to your boat should you hit something or run aground. You can also purchase comprehensive coverage against theft, vandalism, fire and flood, personal property coverage for your fishing gear, uninsured boater insurance and even roadside assistance in the event you need a tow.
• Condo Insurance
  Although homeowners and condo insurance are both written on the HO- form, they do have differences. As with a home, you are responsible for insuring the entire property on your own. With a condo, the owner is usually only responsible for insuring their interest in the entire building. For exmple, if a building is 6 stories and has 22 units, the owner of 1 particular unit is only responsible for insuring their portion of the overall building. The other difference comes in what you need to cover. Each condo association has their own set of rules/bylaws and the owner would need to know what it says in reference to insurance coverage. Some buildings have a master policy that covers more than another building. You would need to know exactly what is in the master policy to see what needs to be covered by the individual owners.

Business

• Business Insurance
• Commercial Property Insurance
  This includes losses resulting from water overflowing rivers or streams, heavy or prolonged rain, storm surge, snow melt, blocked storm drainage systems, broken dams or levees, or other similar causes. To be considered a flood, waters must cover at least two acres or affect two properties. Generally if water comes from above—for instance from rain or melting snow overflowing gutters and leaking onto your inventory—you’ll be covered by your standard commercial property insurance.
• Workers Compensation Insurance
  This type of insurance provides wage replacement and medical benefits to those who are injured while working. In exchange for these benefits, the employee gives up his rights to sue his employer for the incident. As a business owner, it is very important to have worker’s compensation insurance because it protects yourself and your company from legal complications. State laws will vary, but all require you to have workers compensation if you have W2 employees.
• Professional Liability Insurance
  Professional liability insurance protects a business and/or individual from a lawsuit arising out of a professionals negligance in performing their duties or an error or omission while performing your services. Many people know this coverage by different name depending on the profession. A doctor will carry medical malpractice, an insurance agent or financial advisor would carry errors and omissions, and so on. A professional liability claim is not covered under a general liability policy unless it is specifically stated in the policy. Contact us today to discuss professional liability coverage.
• Builders Risk Insurance
  Builder's Risk Insurance is a special type of property insurance which indemnifies against damage to buildings while they are under construction.

Personal

• Liability Insurance
  In this video, we discuss many of the common pitfalls inside of general liability insurance policies for contractors. We cover indemnification (Additional Insured endorsements, Waiver of Subrogation, etc.), contractual issues, common exclusions, and more. Kyle and Forrest discuss multiple situations that could cause problems for contractors and how the proper coverages in their policy could help protect them during those times.

Natural Disaster

• Flood Insurance