Motor Vehicle

• Auto Insurance
  Don’t wait until after an accident to get the right car insurance. Purchase too little and you risk losing hundreds or thousands of dollars out of pocket in the case of a serious accident, but buying too much auto insurance can also cost you money in the long run.
• Motorcycle Insurance
  You love riding bikes and we love insuring them! Chastain Otis in Omaha wants to help you spend as much time as possible riding on the open road by doing all the work of pricing your motorcycle insurance for you.
• RV Insurance
• ATV Insurance

Property

• Renters Insurance
  If you’re renting, it might not be your first thought to insure your personal property. Renters insurance is not required to move into most rental homes and typically not mentioned during the application process or lease signing.
• Home Insurance
  Damage to your home can interrupt your day-to-day life. We want to make it easy, fast, and affordable to return everything to normal. That’s why we work with you to determine a home insurance carrier that will meet your needs.

Health and Life

• Life Insurance
  You can’t always prepare for the unexpected, but life insurance is different. Get peace of mind knowing your family will be financially stable in case of your death with a great life insurance policy. If you are like many working adults who have spouses, dependents, and others depending on your income for survival, we can help you make sure that they’re provided for in the case of your death. In addition to death benefits, life insurance can also be utilized during your lifespan.
• Health Insurance
  At Chastain Otis, your health is important to us. To put your mind at ease, our insurance agency offers several options for individual health insurance plans & group health insurance plans to cover all of your unique needs.
• Disability Insurance
  Residual Benefit – In disability insurance, a benefit paid when you suffer a loss of income due to a covered disability or if loss of income persists. This benefit is based on a formula specified in your policy and it is generally a percentage of the full benefit. It may be paid up to the maximum benefit period.
• Long Term Care
  Living Benefits – This feature allows you, under certain circumstances, to receive the proceeds of your life insurance policy before you die. Such circumstances include terminal or catastrophic illness, the need for long-term care, or confinement to a nursing home. Also known as “accelerated death benefits.”
• Dental Insurance

Business

• Business Insurance
  Please fill out the form below and one of our agents will be in touch soon to discuss your business insurance needs.
• Commercial Property Insurance
  Business property insurance is something every company needs – whether you own your own building, lease, or work from home. Property insurance protects your building and what is inside the building along with exterior items the company owns like fences or your business sign.
• Workers Compensation Insurance
• Commercial Liability Insurance
  Business liability insurance protects you from a variance of claims including personal injury, property damage, and more that results from your day-to-day business operations.
• Professional Liability Insurance
  Risk Retention Groups – Liability insurance companies owned by their policyholders. Membership is limited to people in the same business or activity, which exposes them to similar liability risks. The purpose is to assume and spread liability exposure to group members and to provide an alternative risk financing mechanism for liability. These entities are formed under the Liability Risk Retention Act of 1986. Under law, risk retention groups are precluded from writing certain coverages, most notably property lines and workers’ compensation. They predominately write medical malpractice, general liability, professional liability, products liability and excess liability coverages. They can be formed as a mutual or stock company, or a reciprocal.

Personal

• Annuities
  Participation Rate – In equity-indexed annuities, a participation rate determines how much of the gain in the index will be credited to the annuity. For example, the insurance company may set the participation rate at 80%, which means the annuity would only be credited with 80% of the gain experienced by the index.
• Liability Insurance
  A monetary award from a lawsuit can greatly exceed your current insurance coverage, leaving you responsible for large sums of money. Because of this, an umbrella insurance policy could potentially be the most important insurance policy you purchase.
• Travel Insurance
  Creditable Coverage – Term means that benefits provided by other drug plans are at least as good as those provided by the new Medicare Part D program. This may be important to people eligible for Medicare Part D but who do not sign up at their first opportunity because if the other plans provide creditable coverage, plan members can later convert to Medicare Part D without paying higher premiums than those in effect during their open enrollment period.

Natural Disaster

• Flood Insurance