Motor Vehicle

• Inland Marine Insurance

Property

• Home Insurance
  A lot of people purchase insurance for a home or automobile, but they forget about buying insurance for themselves. Yes, auto and homeowners insurance is important, but protecting yourself and your family from financial worry due to death, disability, accident, or illness is equally, if not more important. At Ware insurance we have a variety of insurance products that will provide you with the financial security should a loss occur.

Health and Life

• Life Insurance
  Life insurance can serve many purposes including paying mortgages and debt, paying estate taxes, creating an estate, providing cash flow in retirement, equalizing an inheritance, paying for college, taking out a loan / borrowing against, or funding charitable contributions. Whatever your goal may be, we can help.
• Health Insurance
  On June 19, 2018, the Department of Labor (DOL) released a final rule that gives small businesses more freedom to join together as a single group to purchase health insurance in the large group market or to self-insure. These benefit arrangements are called association health plans (AHPs).
• Disability Insurance
  Disability insurance covers injuries and illnesses that prevent you from working. There are two types, Short and Long Term Disability.
• Vision Insurance
  Vision insurance is one of the most affordable insurance products on the market and one of the most overlooked. A trip to your Optometrist is extremely important. Many health risks such as Diabetes, Hypertension, Autoimmune disorders, high cholesterol, cancer and tumors can all be discovered during an eye exam. Vision insurance covers eye exams, glasses, and contacts to name just a few.

Business

• Business Insurance
  This products is specifically designed for the business owners out there. Business Overhead Protection provides reimbursement for overhead expenses so your business can continue to operate should you become disabled. Typical covered expenses include mortgage interest or lease payments, employee wages, utilities, and business insurance premiums.
• Workers Compensation Insurance
  A lifelong Virginia Beach resident, Michael specializes in the construction, industrial, distribution, and real estate industries. His designations include Construction Site Safety Technician, Commercial Lines Coverage Specialist, and Certified Workers Compensation Advisor. He is also a certified OSHA instructor, with over 800 hours of OSHA training under his belt, including competent person training in excavation and fall protection. He uses his unique training to identify, eliminate, reduce, and transfer operational exposures to help his clients achieve best-in-class status and more desirable a risk to the insurance marketplace. Michael is actively involved in several trade organizations including the AGC, ABC, Builders & Contractors Exchange, and the Hampton Roads Economic Development Alliance. After earning a biology degree from the University of Tennessee, Michael still enjoys spending time outdoors fishing, backpacking, and kayaking. He now resides in Norfolk with his wife, Michelle, and young son and daughter.
• Professional Liability Insurance
  It’s a fact. Our world is becoming more sophisticated and more complex. And these days, success, in many cases, means specialization. To protect yourself, you must look into professional liability plans, taking general liability a step further into a world of endless types of errors and omissions coverage.

Personal

• Liability Insurance
  Assuming that both the builder and drywall sub have general liability insurance in force continuously from the completion of the job to the filing of the lawsuit papers, their combined policies won't likely cover the cost to tear out and replace the drywall. Such a repair job represents a huge undertaking and will be very expensive.

Natural Disaster

• Flood Insurance
  Most homeowners policies exclude coverage for flood. Since this coverage is vital to protecting your home, please speak with one of our specialists to discuss your risk for flood.