- Auto InsuranceA major benefit of having car insurance is that it provides an economic safety net for people. In a society in which most people live paycheck to paycheck, there isn’t much wiggle room for emergency situations that cost a lot of money.
- RV InsuranceWhile you can partially cover your RV with an existing auto policy, we don’t recommend it. RV insurance policies are specially tailored to meet a RV user’s unique needs, covering many possibilities auto policies can’t.
- Inland Marine InsuranceA form of inland marine insurance, often on an “all-risk” basis, covering various kinds of equipment. This insurance coverage is designed to move with the equipment from job site to job site. An equipment floater policy can cover many types of mobile property, from hand tools to bobcats, skid steers and tractors.
- Renters InsuranceThe term personal lines insurance refers to insurance that is sold to individuals rather than groups or businesses. It most often refers to property and casualty insurance like auto, homeowners and renters insurance. Insurance intended for businesses is called commercial lines but if a personal auto is used in a business it may require commercial insurance. Commercial insurance may also be necessary for businesses that are operated from home.
- Home InsuranceHomeowner’s insurance is something that is often overlooked. Most people do not consider the benefits of a homeowner’s policy and therefore do not look at how much it is worth. We could not get by without it because the cost of damage is usually too high to pay.
- Condo InsuranceBy obtaining your own condo insurance policy, you could get aid in covering some of the unexpected costs that are classified as owner responsibilities. Your policy may include payment for flooring damages, electrical wiring repairs, or replacement of the ceiling and drywall after an event covered by the policy has taken place.
- Life InsuranceLife insurance is a contract between an insured (insurance policy holder) and an insurer or assurer, where the insurer promises to pay a designated beneficiary a sum of money in exchange for a premium, upon the death of the insured person.
- Health InsuranceHealth insurance is insurance against the risk of incurring medical expenses among individuals. By estimating the overall risk of health care and health system expenses, among a targeted group, an insurer can develop a routine finance structure, such as a monthly premium or payroll tax, to ensure that money is available to pay for the health care benefits specified in the insurance agreement.
- Long Term CareYour life is important! How will you plan for it? Call for a personal consultation to review your current plans, options available and discuss strategies for income protection and retirement planning. We specializes in Life, Long Term Care, Medical Supplements, and Disability products.
- Business Insurance
- Commercial Property InsuranceCommercial property insurance is a special type of insurance that covers the company building as well as the contents owned by the company. “Property” can include a variety of types: lost income or business interruption, buildings, computers, money, and valuable papers.
- Workers Compensation InsuranceWorkers’ compensation, also known as workmans’ comp, is a state-mandated insurance program that provides compensation to employees who suffer job-related injuries and illnesses.
- Commercial Liability InsuranceYour business faces liabilities every day. The only way to protect your assets is to carry adequate business liability insurance. A Commercial General Liability (CGL) insurance policy is the first line of defense against many common claims.
- Liability Insurance
- Flood InsuranceDid you know floods are the #1 natural disaster in the United States? You don’t need to live near water to be flooded – everyone lives in a flood zone. In fact, nearly 25 percent of flood losses occur in low to moderate risk areas.