- Auto InsuranceA car or truck is often your biggest asset aside from your home. Auto insurance protects against potentially crippling financial losses and the sheer inconvenience of being without transportation.
- Boat Insurance
- Truck Insurance
- Aircraft 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 InsuranceIndividual life insurance is arguably the biggest investment you can make in your loved ones’ security. It’s a complicated field, but don’t let that put you off. We’ll be happy to talk you through the options.
- Health InsuranceA travel policy has multiple optional elements, but the one absolute must is medical insurance. You’ll need coverage against both the costs of treatment and the costs of being brought back home. Without this coverage, it’s no exaggeration to say the costs could bankrupt you.
- 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 InsuranceHomeowners associations of all types need insurance, including condominiums, planned communities, and townhouses. One of the most important coverages each of these homeowners associations need is an HOA master policy. This provides coverage against property damage and loss, as well as liability claims from visitors or HOA members. A commercial property insurance policy offers protection for buildings owned by the HOA, but it’s important to note that it only covers the structures, not the personal contents of residents.
- Workers Compensation InsuranceWorkers' compensation protects your employees should a job-related injury or sickness occur during the course of employment. This coverage is required by law, so be sure that you understand your obligations.
- Commercial Liability InsuranceA Business Owners Policy (BOP) combines business property and business liability insurance into one convenient policy. We’ll work with you to design coverage that protects your business from a variety of risks, unique to your industry.
- Professional Liability InsuranceAside from property liability coverage, there’s an important difference to note between general liability (such as a customer slipping on a spilled drink) and professional liability (such as a bout of food poisoning from bad food or inadequate preparation). General liability primarily covers patrons who are injured on your property, as well as property damage, and can protect you from potential lawsuits. Professional liability, on the other hand, protects your restaurant if someone gets sick from spoiled food products.
- Restaurant InsuranceRestaurants carry a very unique set of risks. We can customize a menu of insurance solutions to meet your specific needs. Reviewing the options and developing a plan for restaurant insurance coverage is the perfect recipe.
- 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.
- Travel InsuranceTraveling is exciting, but there are risks associated with every trip. Investing in a travel insurance policy can help put your mind at ease so you can relax and enjoy the journey.
- Identity Theft Insurance
- 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 (NFIP). In the U.S., 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. Additionally, you may be able to purchase excess limits on your homeowners policy to better protect your home.