- Auto InsuranceA vehicle collision is never good news, but when it’s one of your business’ cars or trucks, the consequences are more complicated. Business auto insurance, also called commercial auto insurance, takes all the elements of normal auto coverage and adds on extra protection.
- Motorcycle InsuranceThe absolute minimum coverage you’ll need when it comes to motorcycle insurance is liability insurance, which covers costs you have to pay to other people after an accident that’s your fault–including their medical bills and repairing or replacing their vehicle. Your state’s laws will set a minimum amount of coverage for liability insurance, but you may want the peace of mind of getting a higher coverage limit.
- Boat InsuranceAccidents can happen to anyone at any time, even those who have been out on the water for years. Personal watercraft insurance is a necessity, but sometimes the limit these policies provide isn't enough.
- Truck Insurance
- Home InsuranceYour home is the center of your life. It’s also your biggest investment. So make sure you cover the unique risks you face with home insurance. Get the right policy that will take care of both small and large risks related to owning a home.
- Life InsuranceKey person life insurance can keep your business afloat in the event of the death of any employee who is an integral asset to the company’s survival. We’ll work with you to design coverage that helps assure the continuity of your business for employees, customers, and creditors.
- Health InsuranceMedicare is a government-sponsored health insurance program administered by the Centers for Medicare and Medicaid Services in the United States. Medicare began in 1966 and was originally administered by the Social Security Administration. Over the past half-century, the program has adapted to meet the ever-changing needs of the modern world by adding new program options and allowing for the introduction of supplemental plans.
- Disability InsuranceYou do need to pay attention to the details with long-term disability insurance, however, as policies have several key options. For example, you’ll need to check how long you have to be disabled before any payout starts, and for how long the payments will continue. Some long-term disability insurance policies pay for a fixed period only (or until you reach retirement age if that comes first), while others guarantee to pay out until you reach retirement age, regardless of how long that is.
- Long Term CareMedicare Part A covers many hospital-related expenses. These could include hospital stays, hospice, stays in a psychiatric facility, and even home health care in some instances. However, it’s important to note that there are limitations on some of the coverages, such as psychiatric care and long-term care.
- Business InsuranceIn today’s ever-changing environment, risk is constant. Business insurance isn’t. We’ll thoroughly assess your business and situation to develop creative, comprehensive, cost-effective solutions that fit your needs.
- Commercial Property InsuranceCommercial property insurance can help protect the property your business owns and leases, including things like equipment, inventory, furniture, and fixtures. Whether you own your building or lease your workspace, commercial property insurance can be purchased separately or can be combined with other necessary coverage to protect your business’ physical assets.
- Workers Compensation InsuranceAre you about to hire your next workers' compensation claim? In an effort to get a position filled quickly, you may take shortcuts that could cost you thousands of dollars.
- Commercial Liability InsuranceYou should consider purchasing a commercial umbrella insurance policy which provides higher limits, typically between $2,000,000 and $10,000,000, and often broadened coverages. Coverage is extended over various policies, including general liability insurance, business auto, and directors and officers liability insurance.
- Professional Liability InsuranceWhile you can get standalone workers’ compensation policies, you can also often buy workers’ comp coverage as an add-on to other policies. These include business owners policy (BOP), commercial general liability insurance, or professional liability insurance.
- Builders Risk InsuranceBuilders risk and installation insurance provides coverage for homes or buildings while undergoing construction, until they are completed. The policy covers the contractors’ interest in materials at the job site before they are installed, construction materials in transit designated for the contractors' equipment insurance–a policy specially and the value of the property being constructed until it is completed.
- AnnuitiesAnnuities can be a valuable investment, but there are risks to consider. Our experts will help you decipher the different types of annuities so you can decide whether this type of investment is right for you.
- Liability InsuranceGeneral liability insurance mainly covers bodily injury to people outside of your business and physical damage to their property. A few exceptions to this principle include data loss and reputation damage (for example, if one of your business’ staff members defames a client). It’s important to note that general liability coverage doesn’t apply to cases where you are sued for giving inadequate professional advice. Errors & omissions insurance (E&O) can help to protect your business from that specific type of risk.
- Flood InsurancePurchase a flood insurance policy to protect your home and covered contents from certain types of flood losses as designated by the National Flood Insurance Program. A flood policy is purchased as a separate policy through the federal program (NFIP) or through a servicing carrier known as a write your own carrier.