Motor Vehicle

• Auto Insurance
  A typical auto insurance policy has limits of $100,000 per person and $300,000 per accident, and $100,000 property damage. Depending on the extent of the damage and injury, you are responsible for paying the rest, if you are at fault in an accident, and that means you may have to hand over your home, stocks, retirement or college funds, or any other significant assets.

Property

• Home Insurance
  The Chittenden Group is now offering an exclusive voluntary benefit. Chittenden Access Choice is a one-of-a-kind auto and home insurance program which offers multiple insurance discounts.  Your employees work directly with our team to collect information related to their current policies and then we shop their coverages out to 20 top rated carriers.

Health and Life

• Life Insurance
  The world of Life Insurance can be complex.  How much do you need?  What type do you need?  At The Chittenden Group we are here to help. Whether you need term insurance for family protection or you have complex business or estate planning needs we have solutions.  We offer independent & unbiased advice on Term Insurance, Whole Life Insurance, Universal Life Insurance, and Indexed Universal Life Insurance.  We will shop the marketplace and find the right solution for you and your needs.
• Disability Insurance
  Long-term disability insurance can help you and your family meet expenses while you are out of work due to an illness or accident. Think of it as insurance for your paycheck.  If you’re fortunate enough to work for an employer that offers a long-term disability plan, it’s important for you to know how much the policy will pay if you’re out of work. At the Chittenden Group our team of experts can help you sort through your options.
• Long Term Care
  Some people have had a first-hand experience with a loved one who needed long term care. They know the financial and emotional stresses that accompany the situation.  Others want to protect their assets against the high costs of long term care; to preserve their children’s inheritance, to make long term care services affordable, such as home health care and custodial care, or to provide themselves with more options than just nursing home care.

Business

• Business Insurance
• Commercial Property Insurance
• Workers Compensation Insurance
  Claim Data – Claim data is provided to the rating bureau (NCCI) by each individual workers compensation insurance company that an employer may have had during their experience period. This information includes paid and reserve amounts established for any given claim and can be misstated.
• Commercial Liability Insurance
  As technology becomes increasingly important for successful business operations, the value of a strong cyber liability insurance policy will only continue to grow. The continued rise in the amount of information stored and transferred electronically has resulted in a remarkable increase in the potential exposures facing businesses. In an age where a stolen laptop or hacked account can instantly compromise the personal data of thousands of customers, or an ill-advised post on a social media site can be read by hundreds in a matter of minutes, protecting yourself from cyber liability is just as important as some of the more traditional exposures businesses account for in their general commercial liability policies.
• Professional Liability Insurance
  In addition to these coverages, similar protection may be adopted using Directors and Officers (D&O) Liability Insurance, Commercial General Liability (CGL) or Trust E&O/Professional Liability coverage with an endorsement covering fiduciary liabilities.

Personal

• Annuities
  Learning how to save for retirement is imperative. There are a number of retirement vehicles available, including traditional and Roth IRAs, employer-sponsored retirement plans, nonqualified deferred compensation plans, stock plans, and commercial annuities. Proper retirement planning requires an understanding of the workings of these tools.
• Liability Insurance
  Umbrella insurance protects you during those times when your regular home or auto policy’s liability limits are exhausted, and you are faced with a lawsuit and millions of dollars in liability coverage.
• Identity Theft Insurance
  Data breaches: Increased government regulations have placed more responsibility on companies to protect clients’ personal information. In the event of a breach, notification of the affected parties is now required by law. This will add to costs that will also include security fixes, identity theft protection for the affected and protection from possible legal action. While companies operating online are at a heightened risk, even companies that don’t transmit personal data over the internet, but still store it in electronic form, could be susceptible to breaches through data lost to unauthorized employee access or hardware theft.

Natural Disaster

• Flood Insurance
  Flood Insurance should be purchased to protect your asset from losses associated with flooding. In general, covered flooding includes a general flooding condition in your neighborhood but does not cover ground water seepage.
• Windstorm Insurance
  Windstorm insurance is not required in most states, however your lender may, regardless of whether you are waterfront or not.