Motor Vehicle

• Auto Insurance
  Automobile Insurance basically consists of six different types of coverages. Some may be required by law. Others are optional. They are...
• Motorcycle Insurance
  Motorcycle Insurance covers you whether you’re out for a spin or touring cross-country on your bike. We can help you protect your investment.
• Snowmobile Insurance
  The value of good Snowmobile Insurance often doesn’t become apparent until you really need it. Whether it’s a minor fender bender or a more substantial accident, it pays to have insurance coverage you can count on.
• Inland Marine Insurance

Property

• Renters Insurance
  Renters Insurance is a form of insurance that covers a policyholder’s belongings against perils such as fire, theft, windstorm, hail, explosion, vandalism, riots, and others. It also provides personal liability coverage for damage the policyholder or dependents cause to third parties. It also provides additional living expenses, known as loss-of-use coverage, if a policyholder must move while his or her dwelling is repaired. It also can include coverage for property improvements. Possessions can be covered for their replacement cost or the actual cash value that includes depreciation.
• Home Insurance
  Homeowners Insurance policies typically cover the house, the garage and other structures on the property, as well as personal possessions inside the house such as furniture, appliances and clothing, against a wide variety of perils including windstorms, fire and theft. The extent of the perils covered depends on the type of policy. An all-risk policy offers the broadest coverage. This covers all perils except those specifically excluded in the policy.
• Condo Insurance
  You need Condo Insurance to cover additions, alterations, wall fixtures, the floor and ceiling of your unit, your personal belongings, and personal liability

Health and Life

• Life Insurance
  Term Life Insurance is a form of life insurance that covers the insured person for a certain period of time, the “term” that is specified in the policy. It pays a benefit to a designated beneficiary only when the insured dies within that specified period which can be one, five, 10 or even 20 years. Term life policies are renewable but premiums increase with age.
• Health Insurance
  Individual Health Insurance is a coverage in which the insurer agrees to reimburse the insured and others up to a certain limit for medical or funeral expenses as a result of bodily injury or death by accident. Payments are without regard to fault.
• Disability Insurance
  Group Insurance is a single policy covering a group of individuals, usually employees of the same company or members of the same association and their dependents. Coverage occurs under a master policy issued to the employer or association. Group Insurance can include Group Life Insurance, Group Medical Insurance, Group Disability Insurance, Group Dental Insurance, and Group Vision Insurance.
• Long Term Care
  Long Term Care Insurance is coverage that, under specified conditions, provides skilled nursing, intermediate care, or custodial care for a patient (generally over age 65) in a nursing facility or his or her residence.
• Dental Insurance
• Vision Insurance

Business

• Business Insurance
• Commercial Property Insurance
  Commercial Property Insurance is for products designed for and bought by businesses. Among the major coverages are boiler and machinery, business interruption, commercial auto, comprehensive general liability, directors and officers liability, fire and allied lines, inland marine, medical malpractice liability, product liability, professional liability, surety and fidelity, and workers compensation. Most of these commercial coverages can be purchased separately except business interruption which must be added to a fire insurance (property) policy.
• Workers Compensation Insurance
  Workers Compensation Insurance pays for medical care and physical rehabilitation of injured workers and helps to replace lost wages while they are unable to work. State laws, which vary significantly, govern the amount of benefits paid and other compensation provisions.
• Professional Liability Insurance

Personal

• Annuities
  Annuities Insurance is a life insurance product that pays periodic income benefits for a specific period of time or over the course of the annuitant’s lifetime. There are two basic types of annuities: deferred and immediate: Deferred annuities allow assets to grow tax deferred over time before being converted to payments to the annuitant. Immediate annuities allow payments to begin within about a year of purchase.
• Liability Insurance
  Commercial General Liability Insurance is a broad commercial policy that covers all liability exposures of a business that are not specifically excluded. Coverage includes product liability, completed operations, premises and operations, and independent contractors.