Personal Insurance

Insurance is a great tool to protect your investments. Like they say, when it rains, it pours. With coverage from auto, to home, and everywhere in between. You can be certain that you and your property are covered in the event of a loss.

• Homeowners - Home insurance protects more than just the building. It protects your possessions, valuables and the personal liability of family members in your home. And, because every home and family/individual situation is unique, you need a trusted expert who will get to know you and use that information to guide you in choosing the options that best suit your needs.
  
  
• Automobile - We know price is always a consideration when purchasing insurance, but making sure you have proper coverage is just as important. >From liability to collision there are many options for car insurance. We will eliminate any confusion for you. With our multiple companies we will compare and find the best coverage and rates for your needs, as well as simplify the sometimes strenuous process of finding insurance.
  
  
• Personal Umbrella - These days you do not need to be wealthy to be sued. When you work hard everyday to build your life, you should feel secure that everything you have earned will be safe. Endless situations can arise where you can be held liable. Personal umbrellas are additional coverage limits over and above your current liability limits on your personal insurance policies.
  
  
• Boats/Yachts - During the summer the most fun can be held on the water. But don't assume that everyone you share the water with, is as responsible as you are. They may not be fully insured and registered. Relax and enjoy your time on the water with a boat or yacht policy that can have you covered no matter what the situation.
  
  
• Condominium - Insurance on a condo is very similar to a homeowner's policy. It is different because you do not actually own the building the condo is in. Your property is the sectioned part of the building that you purchase. You make upgrades and updates to the condo as you see fit. In the event of a loss you want to know that the new kitchen you put in will be covered. With this policy you are covered for damage to the interior of the condo and your liability needs.
  
  
• Tenants Policy - Your landlord has coverage to protect his building from any loss. This, however, does not protect you from liability and your belongings that are in the rental unit. Often overlooked, renters insurance is relatively inexpensive for the substantial coverage that you receive from our companies. We can include repair or replacement for your personal property in the event of a covered loss. Included in your renters coverage is liability that will help keep you covered in the event that you have a guest that may slips and fall.
  
  
• Term Life Insurance - If you have dependants, it is very important that you have some way to help support them in the event of your death. Depending on your annual income and your specific needs this may be a good choice for you and your family. Term life insurance is a policy that you choose to go from a specific date and end on another. There are four things to remember when you want to know how much life insurance to carry. 1 Your dependants' annual expenses, including loans, credit card debt, and mortgage. 2 Subtract the amount of income your dependants make from the expenses you have listed. 3 Take the resulting number and divide it by the amount of interest you expect to earn. 4 The number that results is the face value of life insurance you should carry.
  
  
• Valuable Items Floater - Many of us have valuable items that cannot be replaced. If the situation should arise, and you experience a loss, you would want to have the security of being compensated. Some items that could be included are jewelry, art, stamp collections, and rare coins. These items would be listed separately on your home owners or tenants' insurance policies. The benefit for doing this is you can have a zero deductible, and you are covered for all risks.

Business Insurance

We know that your business is your livelihood. We will work hard to make sure you are covered for the most important and future needs.

• Property - If something should happen to your building and business property it could devastate your income while you repair and bounce back from a loss. Coverage is unique to every business owner, and there are many solutions we can provide. Feel free to contact us to discuss specific property and equipment protection needs for your business
  
  
• General Liability - The more successful your business is the more risk you have of being sued. This does not mean that you are not at risk if you own a small business. One lawsuit could end many years of growth. General liability covers any third party claims of injury or property damage. Specialized liability insurance is many different options for your individual business needs. These could include employee practices, errors and omissions, directors & officers, and even internet liability.
  
  
• Workers' Comp - Imagine what it would cost to pay an injured employees medical expences. Workers comp is a common way to protect against the cost of this, or even lawsuits brought by an injured employee.
  
  
• Automobile - Insurance for your business vehicles and work trucks. Much like an individual auto policy, except this is intended to cover liability that you may be responsible for when an employee is driving your vehicle.
  
  
• Contract Surety Bonds - These types of bonds are important when you want to insure that a contractor with hold up his obligations. For instance, if you are constructing a building and you are contracting out the work. You would want to make sure that if the contractor did not hold up his side of the deal that you wouldn't be out the money.
  
  
• Professional Liability - Coverage for specialists in various professional fields. Since basic liability policies do not protect against situations arising out of business or professional pursuits, professional liability insurance is purchased by individuals who hold themselves out to the general public as having greater than average expertise in particular areas.
  
  
• Umbrella Liability - similar to a personal umbrella, Commercial umbrellas increase your liability limits over and above the limits you carry already for your business. In the case of a lawsuit where you are held liable for more than the amount of coverage you normally carry, you would be responsible to pay that. The umbrella would come in and take care of that amount when the normal limits end.
  
  
• Inland Marine - Inland marine can simply be defined as items you use for your business that you take with you. These may include tools on your work truck, and items in your care that belong to others. If something should happen to your equipment while you are on the job then you would need something to help pay for your loss.
  
  
• Fidelity and Crime - This is coverage for crime that happens within your business. We can provide coverage for a wide range of risks. Crimes in the workplace can go unnoticed for a long time. By the time the situation is uncovered your business could suffer for a long time trying to recover. Included in this coverage is theft by employee dishonesty, forgery, theft, destruction and disappearance of property.

Financial Services

• Universal Life Insurance
• Mortgage Life Insurance
• Disability Income Insurance
• Traditional and Roth IRA
• 401K, Pension, Profit Sharing Plans
• Group and Individual Health Policies
• Annuities
• Term life insurance