Motor Vehicle

• Auto Insurance
• Motorcycle Insurance
• Boat Insurance
• RV Insurance
• Snowmobile Insurance
• ATV Insurance

Property

• Renters Insurance
• Home Insurance

Health and Life

• Life Insurance
  Finding the right Life and Health Insurance products can be challenging in today’s insurance environment. S.T. Neswold & Associates offers a complete line of individual health and life insurance products that are crafted to meet you and your family’s specific needs. We work with several different top-rated insurance companies, and will place your account with the company that will provide you with the coverage and benefits you want.
• Health Insurance
• Disability Insurance
• Long Term Care
• Dental Insurance
• Vision Insurance

Business

• Business Insurance
  As a business owner, you have enough on your mind without having to worry about your insurance needs. You want to have the confidence that the business you've built is covered by a company that understands your business insurance needs.
• Commercial Property Insurance
• Workers Compensation Insurance
  The law mandates Worker's Compensation Insurance if you have employees. What many people don't realize, however, is even if your condominium association doesn't have employees, you still have an exposure and need Worker's Compensation coverage. Independent contractors that the association employs for things like mowing the lawn, fixing the roof, plowing the snow, painting, etc. can pose a risk. As independent contractors they are responsible for providing their own insurance--but if they don't have this insurance or have let it lapse, the association can be held responsible to pay benefits to and injured contractor. To protect the association, you should purchase a Worker's Compensation policy on and "if any" basis. Just as important, your association must insist on a current certificate of insurance from all contractors you hire--before any work is started.
• Commercial Liability Insurance
• Professional Liability Insurance
  As part of a routine exam, an optometrist dilates a customer’s pupils. The patient doesn’t feel comfortable driving after such a procedure and arranges for her spouse to drive her home. She leaves the office and begins to walk toward a nearby bistro to meet her spouse for lunch but the bright sun impacts her vision. Mistaking a concrete parking curb for a painted line, she trips and comes face-to-face with the pavement. The practice later finds that the customer is suing them for failing to adhere to standard of care. The optional Optometrists Professional Liability add-on is available to address bodily injury arising from an optometric incident.
• Builders Risk Insurance

Personal

• Liability Insurance
  Scheduled valuable personal property, for things like jewelry, furs, fine art, etc. When damage occurs to a building, both common and private areas are often affected. Informing condominium owners about what is covered by the association policy and what is left up to them is your best tool to keep everyone protected.
• Travel Insurance

Natural Disaster

• Flood Insurance
• Earthquake Insurance