- Auto InsuranceTo reduce your auto insurance premiums, consider maintaining a clean driving record, choosing a higher deductible, bundling your insurance policies (like auto and homeowners), and exploring available discounts (e.g., multi-car, safe driver, or good student discounts) with your Chalmers agent.
- Inland Marine Insurance
- Renters InsuranceRenters insurance is designed to protect your personal property against damage or theft while living in a rented space. Additionally, it can provide liability coverage in case someone is injured while at your residence. While it may not be mandatory, it is highly recommended to safeguard your belongings and financial security.
- Home InsuranceHomeowners insurance typically covers the physical structure of your home, your personal belongings inside it, liability protection against lawsuits for injury or property damage, and additional living expenses if you are temporarily displaced from your home due to a covered loss.
- Life InsuranceEmployee benefits refer to a package of benefits that employers offer to their employees, which may include health, dental, vision, life insurance, retirement plans, and more. They are generally more cost-effective than individual plans due to the group's purchasing power.
- Health Insurance
- Disability Insurance
- Long Term Care
- Vision Insurance
- Business InsuranceBy embracing these values, we've earned recognition as the "Best Agency to Work For" by Insurance Journal in 2019 and "Best Place to Work" by Business Insurance in 2021 and 2023. Join our award-winning team and experience S.H.I.P. in action!
- Workers Compensation InsuranceWorkers' Compensation Insurance covers medical expenses and a portion of lost wages for employees who become injured or ill at work. It also provides protection for the business against lawsuits by injured employees. In most states, businesses are required to carry Workers’ Compensation Insurance if they have employees.
- Professional Liability Insurance
- Builders Risk Insurance
- Liability InsuranceA personal umbrella liability policy is designed to increase your liability protection. This single policy acts as an “umbrella” over all of your other personal liability policies – home, auto, boat, RV, etc. – so you have a higher personal liability limit than what would otherwise be available.
- Flood InsuranceYes—while your auto and home policies go a long way toward improving your financial security, they could still be leaving you exposed. For example, homeowners insurance does not include flood coverage. You need a separate flood insurance policy to be protected against this risk.