General Liability Insurance
is the first line of defense against many common claims. General Liability insurance covers claims of bodily injury or other physical injury or property damage. Commercial General Liability enables your business to continue operations while it faces real or fraudulent claims of certain types of negligence or wrongdoing.
is frequently offered in a package to protect your business against incidents that may occur on your premises or at other covered locations where you normally conduct business. One important part of this coverage is Business Interruption Insurance, which pays for loss of earnings when operations are curtailed or suspended because of a covered property loss.
provides medical care for employees who are injured in the course of employment, in exchange for mandatory relinquishment of the employee's right to sue his or her employer. Carriers work with employers to identify and manage against perils that may disrupt the continuity of the workplace.
may mean your vehicle titled in the name of your company, or it could also refer to the fleet of vehicles that your company owns and uses to operate the business. Whatever your case, business auto coverage affords protection for a business similar to coverages contained in personal auto policies.
Life & Health Insurance
is not something you want to be without, since one catastrophic illness or accident could wipe out the family finances. With or without previous medical history, you CAN get insurance. Understanding how much coverage you need, and how you intend to use your plan (ie, for major issues only, or for every bump and bruise that happens?) is an important step in selecting the right coverage.
coverage is not just for large companies. If you have two or more participants, and at least 75% of eligible employees are on the plan, then group coverage may be right for your company. And did you know that most group plans offer more than one plan option?
What is your most important asset? If you think about it, the answer is “your life”, and yet most people take care of auto and home insurance before addressing life insurance planning. Simply put, Life Insurance provides for your family when you are no longer here to do so. It can pay for college, pay off the house, and leave a nest egg for those important to you. Get this done!
Individual & Family Insurance
protects against losses to your house and personal property. It provides for temporary living expenses in the event you have to move out while repairs are underway, and it covers many types of damage or injury to others for which you, the homeowner, may be liable. You should know the difference between an "all risk" policy and a "named perils" policy, as well as the importance of having "replacement cost" versus "actual cash value" coverage. These concepts can make a huge difference in the amount of money you receive when you file a claim.
Dwelling Fire Insurance
is the correct policy form for those who rent their property to others. It is similar to a homeowner policy in the building coverage it provides, and usually does not include much personal property (contents) coverage – the renters of the property get that for themselves.
provides protection for personal belongings for people who live in rental properties. The renter's coverage also provides some protection for your belongings when they are in your car (auto insurance pays for damage to the vehicle, not for loss of contents).
owners are not normally responsible for the outer walls or roof of their buildings, as the condo association usually covers those. Condominium insurance is similar to renter's insurance, except that it also covers additions and alterations. This coverage fixes and/or replaces things that are attached to the walls, ceilings and floors in the event of a covered loss.
Protects you against losses involving autos you own, as well as autos you rent or borrow. You may be tempted to shop for insurance solely on the basis of how much premium you will pay, but you should also make sure you have enough of the right coverage. For example – if you carry $25,000 in property damage coverage, and you hit someone else's brand new Mercedes, your policy will not have enough coverage to pay for the damage. Who do you think pays when your policy comes up short? YOU DO!
may not inflict as much property damage as automobiles when involved in an accident, but bodily injury to the rider can be considerable. Motorcycle Insurance can provide important PIP and uninsured motorist bodily injury protection, in addition the standard comprehensive, collision and liability coverages offered in most auto policies.
is for your personal watercraft – be it a jet ski, small ski boat, fishing boat, or a 26-foot cruiser. You’ll need to insure your watercraft in case you're in an accident or your watercraft is stolen. The coverage protects damage you cause to other boats, and to the people injured in them. It can also protect your boat and passengers from people who do not carry adequate insurance of their own.