Auto Insurance

This coverage has two parts. The first is the liability section of the policy. It covers your financial responsibility for injuring others and a limited form of this coverage is required by most states. There is also coverage available for you responsive to accidents involving uninsured or under-insured drivers, which includes hit-and-run situations.

The second part covers physical damage to the car itself.

Comprehensive coverage reimburses losses from fire, theft or other perils. Collision coverage pays to repair losses caused by an accident. Often this coverage is mandated by leasing companies or banks. Utilizing high deductibles on the physical damage coverage’s can help reduce premiums. Many policies have optional coverage’s such as medical, rental car reimbursement, and towing are a few of the major ones.

We do recommend an umbrella policy for anyone who has a auto and a homeowners or renter’s policy. An Umbrella policy offer inexpensive “peace of mind” for most types of negligence claims. Automobile accidents are probably the most common source of serious claims. This policy supplements your basic automobile and homeowners/renters liability with extra million-dollar layers of protection.

Home Insurance

These policies cover you in a home or an apartment, whether you are an owner or a renter. A well-written homeowner’s policy will pay to replace any of your personal property that is destroyed in a fire or other disaster. The policy will also be your first line of defense against a lawsuit from someone injured at your home. The cost of this coverage is determined by many rating factors. The quality of the coverage, however, is determined by the quality of the insurer and whether the policy is written on a ‘named perils’ or special form basis. A named-perils policy covers only those losses specifically cited in the contract. The special form policy works in the opposite way — unless a peril is specifically excluded, coverage is provided. The special form policy is broader and the burden of proof is on the carrier, not you, in the event of a loss. To save money and keep your insurance claims report loss free, you should select the highest deductible you can afford. Make sure that your policy has a guaranteed replacement cost clause so that your home will be re-built regardless of cost. If you are unsure of how much your home would cost to rebuild many insurance companies have a replacement cost calculator in the event you do not know how much it would cost to rebuild your home. For apartment insurance, be sure that you have replacement cost valuation. We do recommend an umbrella policy for anyone who has an auto and a homeowners or renter’s policy. An Umbrella policy offer inexpensive “peace of mind” for most types of negligence claims. Automobile accidents are probably the most common source of serious claims. This policy supplements your basic automobile and homeowners/renters liability with extra million-dollar layers of protection.

Business Insurance

Being a business owner comes along with many responsibilities and one of those important factors includes managing the many things that can go wrong within your company on a daily basis. With business insurance, it covers many different aspects a business would need coverage for. For example business insurance can help your business in the following situations:

· Protects against loss or damage to the business location and its contents.
· Protects your business if it would be sued.
· Coverage of business vehicles used
· Coverage of employee injuries on the job.
· Covers your business in case there is an interruption of business.

Our experts can go over your business model and let you know about all the different business insurance plans and how each kind works for you best. There are many types of business insurance programs that can cover you no matter what type of business you are in. Here are some of our most popular business insurance programs:

· Property
· Liability
· Workers Compensation
· Commercial Auto
· Business Interruption Insurance
· Business Crime Insurance
· Umbrella Insurance Coverage

If you don’t see something that fits your business model, contact us today for a custom business insurance plan that fits your business.