- Auto InsuranceGenerations Insurance offers a vast array of carriers to cover all of your auto insurance needs, whether it be your everyday car, motorcycle, classic or antique vehicle, or even your recreational vehicle. We understand that it?s not just the price that matters, but also making sure that you have the proper coverage in place.
- Inland Marine Insurance
- Renters InsuranceMany people who rent an apartment or home don?t carry Renters Insurance. Often times, people will think that it is too expensive or not worth it because they don?t have a lot of personal property to protect. The truth is, however, Rental Insurance is neither expensive nor only about covering your personal property. Policies can cost as little as $100 per year, and on top of covering personal property, they also provide Personal Liability Insurance, which it detailed below. And believe it or not, for some people, if they insure both their Auto and Renters Insurance with the same company, the account credit they can receive on both policies could mean savings large enough to totally offset the cost of the renters policy and then some!
- Condo Insurance
- Life InsuranceLife Insurance is a valuable asset to many people. It can be used to fund college expenses, pay off a mortgage, pay for burial expenses, help your surviving spouse pay for general living expenses, etc. At Generations Insurance, we are independent brokers, which means we have access to hundreds of companies. Each client?s needs are unique, so we take the time to understand their exact situation and then search for the coverage that best fits their needs. Below are a few different types of Life Insurance. To discuss them in further detail or to receive a free quote, please give us a call or fill out the contact request form below.
- Health InsuranceHealth Insurance rates have been rising uncontrollably for years now. At renewal each year, companies are forced to make tough decisions about whether or not they can even afford to offer the coverage any longer, and if they can, how they can change benefit levels to keep premiums at a level they can afford. At Generations Insurance, we understand how hard it has become to simply offer health insurance to your employees considering the costs involved, and we have devised innovative solutions to help keep premiums as low as possible, while allowing employers to keep benefits at a level that works for everyone. We provide detailed Cost-Analysis Breakdowns to all of our clients and potential clients that help them to see what they currently offer, and what alternatives might be out there. We can work with companies with one employee up to companies with employees in the thousands.
- Disability InsuranceIf you?re like most people, you depend on your paycheck to pay your monthly living expenses. Disability insurance helps to cover these financial responsibilities should you have an illness or injury that makes you unable to work. Many different disability insurance products are available to help protect you and your family against severe financial hardship that may accompany a disability. There are also several options built into each policy that can have major effects on how and when the policy pays you if you are disabled. As an independent broker, Generations Insurance can work to find you the best possible policy at a premium that fits within your budget.
- Long Term CareThere is a great deal of choice and flexibility in long-term care insurance policies. You can select a range of care options and benefits that allow you to get the services you need in the settings that suit you best. The cost of your long-term care insurance policy is based on the type and amount of services you choose to have covered, how old you are when you buy the policy, and any optional benefits you choose, such as Inflation Protection. Since every clients needs are different, we take the time to understand their unique situation and then search out the best solution.
- Business Insurance
- Commercial Property InsuranceCommercial Property Insurance is often made part of a Business Owners Policy (BOP) or Package Policy, but in some cases, it is necessary or more cost-effective to write a separate policy that just covers property. Whatever the case, Generations Insurance can help! We take the time to review all of the property to be covered with our clients and perform a free Replacement Cost Analysis wherever applicable. This helps to ensure that the property is insured to the proper values, so if there ever is a loss, the client receives the maximum amount possible to help rebuild, repair, or replace the damaged property.
- Workers Compensation InsuranceCoverage for employees' job-related injuries and illnesses is mandatory in nearly all states. This coverage is designed to compensate employees fairly while reducing or eliminating lawsuits. Aside from healthcare premiums, Workers Compensation Insurance is often the largest insurance expense annually for many businesses. Working to keep premiums to a minimum through risk management and loss control is vital for any business. Understanding how claims can affect your bottom-line, and how to help to reduce the frequency and severity of such claims, is a must.
- Professional Liability InsuranceMedical Offices face unique exposures when it comes to insurance coverage for their office equipment and liability. Due to specialized equipment, property values are typically much higher than offices of other types, and making sure this equipment is fully covered is essential. Proper liability limits are also a must. Your Professional Liability coverage will not cover things such as a slip and fall claim due to a wet floor, so not having the right Premises Liability limits in place could put your whole practice in jeopardy.
- Builders Risk Insurance
- AnnuitiesA retirement plan for certain employees of public schools, tax-exempt organizations. and certain ministers. Generally, retirement income accounts can invest in either annuities or mutual funds. Also known as a "tax-sheltered annuity (TSA) plan".
- Liability InsuranceThese days, even small accidents can lead to large lawsuits. That?s why no business can operate effectively without General Liability Insurance. Liability insurance protects the assets of a business when it is sued for something it did (or didn't do) to cause an injury or property damage. General Liability Insurance can be purchased separately, or as part of a Business Owner's Policy (BOP) or Package Policy. At Generations Insurance, we take the time fully understand what a business does and how it operates in order to determine what kind of General Liability coverage is necessary, and whether it makes sense to include it as part of a BOP policy, or to write a separate policy. We examine all potential exposures with our clients and help them to fully protect what they have worked so hard to create.