Motor Vehicle

• Auto Insurance
  Business Auto insurance is delivered on a flexible policy designed specifically for the variety of businesses that use vehicles. We write coverage with carriers rated “A” or better buy A. M. Best. On one policy we can provide coverage for your passenger cars, SUV’s, pickup trucks, vans, and commercial trucks like tractor-trailer combination units. Commercial auto insurance policies are designed to be comprehensive and flexible to meet the needs of the single vehicle owner, or the owner of hundreds of fleet vehicles.
• Motorcycle Insurance
  The typical Motorcycle Insurance policy is similar in wording and construction to the personal auto policy and has almost the same coverage parts.  Of course, motorcycle insurance language needs to be tailored to the differences between motorcycles and automobiles but many companies accomplish this magical feat with simple edits of the definitions that guide the policy.
• Boat Insurance
  Boat insurance is known by a couple of different names.  Boats are known more for how they are used than whether they were designed to float on water.  For example, pontoon boats are a style of boat.  So is a runabout.  Bass boats are another kind of boat and again, it is largely described by the type of user.  Yachts might be the boat that epitomize our luxury ambitions but boats is certainly a large target of on the water crafts.
• RV Insurance
  Your RV isn’t just about travel, it is about living on your terms.  We try to provide RV Insurance on the same terms. For many of us the open road and the ability to pick up and move on with a whim is far more preferable to the hassle of flying, renting cars and checking into hotels.  It is truly a way to explore the United States and there are almost unlimited places to travel to and explore.
• Inland Marine Insurance
• Truck Insurance
  As auto businesses go, no overview would be complete unless we explained our ability to provide tow truck insurance to a variety of different operation types. Our bread and butter is the towing and recovery operators but with specialty markets we can provide insurance protection for wrecker companies that offer repossession services and impound towing services. Each tow truck insurance program is written to include the various needs of the operator. Here is a direct link to our Towing & Recovery Insurance details pages.

Property

• Home Insurance
  In Personal Articles Insurance, personal articles are especially valuable items of personal property that are either limited by terms of the homeowner policies or ineffectively covered by a homeowner policy that has not been endorsed to provide additional coverage to limited property.  When you use personal articles insurance you can add coverage for especially valuable special property like jewelry and collectibles that are exposed to types of losses that the homeowner insurance policy was not designed to cover.  After all, the homeowner policy is merely an average of coverage needs that suits many, but not all, families buying homeowner insurance.

Health and Life

• Life Insurance
  A life Insurance Expert makes shopping for life insurance easier. When you start with a life insurance expert you get the guidance that delivers life insurance that perfectly fits your life and budget. There are many choices and many of them can have an impact on just how well your coverage fits your life. And since life insurance may well be the most important insurance purchases we make, making the right choices today may well have an impact on coverage for a lifetime. It isn’t a stretch to believe that if we make the right choices life insurance can protect us from birth to death. I’ve seen policies cover life as we grow up, earn an education, marry, have a family, advance our careers, and still be around as move through our careers, into retirement and be there for our death.
• Health Insurance
  Most BOP policies exclude liquor liability, professional liability, and other types of insurance that are usually obtained separately. For example, workers compensation, health insurance, and disability coverage are written on separate policies.  The business owners policy also does not include coverage for autos. The policy can be amended to include coverage for hired auto and non-owned auto exposures that are common exposures for most businesses.
• Disability Insurance

Business

• Business Insurance
  Periodically I produce an agency newsletter that is written to provide news, interesting information and helpful hints on personal and business insurance topics.  I include information on auto, home, business, life, retirement, and miscellaneous insurance topics that you will find interesting.  The newsletter is quick reading and perfect for bathroom breaks and down time when you don’t mind a little bit more information.  I’ll provide a PDF link right on this page so you can download a copy.  Check back for newsletters coming soon.
• Workers Compensation Insurance
  It might also be important to note that liability may be imposed differently depending upon the triggers causing the loss.  For example, general liability is the standard of liability for every day operations and interactions.  In this view, Courts hold that each person owes a duty to act in a reasonable way so common standards of care and behavior are the guideposts in establishing negligence.  Products liability, on the other hand, pushes up the duty imposed on a business.  Courts hold product liability as strict liability.  Strict liability is the obligation to protect someone from injury or property from damage when a product is held to cause the injury or damage.  There is little defense against strict liability but products liability is considered to be an area where a business is held to a higher standard of care and duty.  There is also absolute liability.  In cases where activities and operations are so inherently dangerous, damage or injury is likely.  In this view, let’s consider the companies conducting certain types of operations – say blasting rock to create a roadway – and they cause damage to nearby homes that lose windows or cracks develop in the foundation of the home.  The company blasting is held responsible under notions of absolute responsibility.  There are also professional liability, employment practices, workers compensation, vicarious liability, and similar extension of responsibility that should be thoroughly evaluated for your operations.
• Commercial Liability Insurance
  A Commercial Umbrella for your business helps to defend against frivolous losses by providing a lot of financial backing to defend against liability claims that could ruin your business and reputation. In other examples, claims arise from business autos you insure when employees fail to drive carefully enough to avoid pedestrians in the roadways. Or how about slip and fall exposures?  They have the potential to burn through primary limits in the general liability coverage by determined lawyers and easy juries. You shouldn’t expect that a claimant with a serious injury will “settle” for the underlying liability limits!  A large loss that exceeds the limits on commercial general liability (CGL) policies are responsible for the destruction of once vibrant businesses and I am familiar with situations where assets were liquidated to raise the money to pay losses that exceed the coverage bought. I have no crystal balls to look into the future so the best advice is to have enough protection to defend yourself out from under most claims that you could encounter in business operations.  Risk management can only carry your business so far and then you need the protection of a commercial umbrella.
• Professional Liability Insurance
  The big difference found in Professional liability insurance is that you don’t even have to have been wrong for a claim to have been triggered.  A Client may claim that you have simply made any error in judgment or omitted advice or consideration of key facts when rendering your advice or counsel or service.  These are claims that are generally not covered by business general liability coverage.  Usually the trigger for a claim is when an injury or property damage was caused by a product or other service.  When a product is your advice it is far more difficult to defend.

Personal

• Liability Insurance
  An Umbrella insurance policy is an additional limit of liability protection that covers over the underlying policies covering personal auto, home, rental property, motorcycle, classic car, RV and similar vehicles.  Some people mistakenly refer to the umbrella insurance as “excess” coverage but there are important differences you should be aware of. These days just about everyone can benefit from the coverage of an umbrella insurance policy but as your wealth, assets, or income goes up, it is a vital part of protecting wealth and standard of living. Let’s face it: No matter how careful you are we all make mistakes. Some of those mistakes cause injury and hardship to others and in our litigious world that can be expensive to defend and impossible to afford without umbrella insurance. Any reasonable method we can use to diminish or eliminate our vulnerabilities to casualty loss is money well spent and this especially true for who could be devastated financially in a court of law.

Natural Disaster

• Flood Insurance
  One of the biggest reasons flood insurance claims remain persistently high is that for years building codes did not discourage construction of homes or commercial property in flood prone areas.  This includes coastal areas where billions of dollars of property damage are done solely because people have built closer and closer to the water.  The same goes for the attraction of inland rivers, lakes, and streams where the views are fantastic but the risk to property is substantial.  The source of flood water isn’t always obvious.  By definition a flood is surface water that aggregates on normally dry land because it is unable to easily move away from structures as it might otherwise.  This occurs when rain falls at high rates, when water is driven by wind and piled up on land where houses and buildings are built (often referred to as the “storm surge”), and by unusually rapid winter snow melt that causes ice and water to back up onto land that is normally dry.  The Federal Emergency Management Agency defines flood in the following specific way...