Business

Contractors

Competitive coverage without hidden gaps in coverage and advice to minimize risks and properly allocate insurance job costs. Assistance is available for contractual requirements, certificate and additional insured requirements and audits.

Coverage types include but are not limited to; general liability, bonds, workers compensation, tools/equipment, buildings under construction, vehicles, pollution/lead liability, excess/umbrella liability, professional/E&O liability, and disability.

Restaurants & bars

Competitive coverage packages are available for any type of food service including those serving alcohol. Liability, liquor liability, assault liability, building, property, loss of income, workers compensation, vehicles and a variety of other coverages are available.  Let us help make sure you have the right coverage to protect you against lawsuits, disruptions to your flow of income and property.

Auto sales and service

Competitive coverage packages available for business that provide mechanical service, body work and auto sales. Configuration of coverage is essential to make sure coverage applies to all drivers, customer vehicles, towing and loaner cars.  Building, contents, loss of income, liability, workers compensation, commercial auto and a variety of other coverage options are available.   Let us help make sure you have the right coverage to protect you against lawsuits, disruptions to your flow of income and property.

Retail

Competitive rates and coverage configuration assistance for business owners. Building, build out, landlord requirements, contents, loss of income, liability, workers compensation, commercial auto and a variety of other coverage options are available.  Let us help make sure you have the right coverage to protect you against lawsuits, disruptions to your flow of income and property.

Wholesalers & distributers

Competitive rates and coverage configuration assistance for business owners. Ocean & land cargo, warehouse, building, contents, loss of income, liability, workers compensation, commercial auto and a variety of other coverage options are available.  Let us help make sure you have the right coverage to protect you against lawsuits, disruptions to your flow of income and property.

Manufacturers & importers

Competitive rates and coverage configuration assistance for business owners. Product liability, product recall, patent infringement, building, contents, loss of income, liability, workers compensation, commercial auto and a variety of other coverage options are available.  Let us help make sure you have the right coverage to protect you against lawsuits, disruptions to your flow of income and property.

Rental property

Competitive rates for rental properties both residential, retail, office and mixed use. Building, loss of income, liability, tenant liability, property management and a variety of other coverage options are available.

Condo and home owner associations

Competitive rates for buildings, liability, directors & officers liability, crime/money, workers compensation and unit owners. Let us help make sure you have the right coverage to protect you against lawsuits, disruptions to your flow of income and property.

Many others

If you don’t see your business listed here just call and we can determine your coverage options. Let us help make sure you have the right coverage to protect you against lawsuits, disruptions to your flow of income and property.

Personal

Residential property

We offer a broad array of coverage for your home, whether you rent or own. There is a wide variety of coverage options.  The trend has recently been for insurance companies to cut coverage and put more responsibility on their customers to know and properly structure their own coverage.  Pressure and demands for the best price put you at risk of having a claim that is not covered.  Let us review your situation, the options and make sure you know where you stand.  There are also a wide variety of potential discounts and strategies to make sure the insurance company rating software profiles you for the best rate tier.

We can help with houses, condominiums, apartments, secondary, vacation locations and virtually any other type of property you may occupy.  We cover the building and contents with guarantees for replacement and rebuilding costs.  Additional expenses are covered during a claim process if you have to live elsewhere.

Additional options for property include but are not limited to;  jewelry, valuable items, firearms, collectables, artwork, earthquake, landslide, flood, sewer back up, home office, business use, daycare.  Liability coverage applies on or off premise for name insureds for almost any non-vehicle related personal activities.

Vehicle

Extreme price competition and advertising strategies like ‘this one weird trick’ and ‘in just 7 or 15 minutes’ makes this category the most likely to have an extreme failure in coverage.  With liability claims having unlimited loss potential it is critical that you have enough coverage to protect you assets, current and future income.  Let us help make sure you have coverage that will pay for your legal defense cost and any potential pay out in the event you are sued for a vehicle related injury claim.

Type of vehicles we can help with include but are not limited to; automobiles, motorcycles, motor homes, ATVs, antique/classic, limited use, customized, mopeds/scooters.  Coverage includes; liability for bodily injury and property damage, medical/personal injury protection, uninsured/under-insured motorist, comprehensive, collision, rental car, emergency road service, towing, customizationBy the way, ‘full coverage is not an insurance option, ask us to explain to avoid an uncovered claim.

We have special programs/discounts for; teen drivers, good students, drivers over 50, safe drivers, low mileage, multiple vehicles and more.

Excess liability / umbrella

Protection from lawsuits is important when the demand is severely high and the loss potential large.  Protect assets and income that may have taken a lifetime to earn from an event that can happen in a moment.  This coverage can assure that you will have coverage to pay for; attorney fees, court costs, loss of income while in court and any settlement or judgment that has to be paid.  Options can include uninsured/under-insured motorist coverage so you can protect yourself in the event you are injured and the other party has no or minimal insurance.  Coverage amounts start at $1,000,000 and go up in similar increments to whatever level of coverage you want/need.  Options are available for almost any types of underlying coverages, claim and driving records.

Boats

Coverage and advice is available for any type of watercraft.  If used on lakes, in rivers or the ocean we can help make sure your boat, its contents, motors, accessories, trailers and liability are correctly covered.  Whether you are a new boat owner, have years of experience, fish, ski, cruise, entertain, transport overland we can help.  Areas of concern are varied here and each company does things somewhat differently.  Let us help make sure you have the coverage you want and need and know what is and is not covered.

Life insurance

Make sure your loved ones are financially secure rather than subject to additional stress and uncertainty in the event of your untimely passing.  Loss of a parent or spouse can be emotionally devastating, make sure you have coverage in place to protect the stability and plans you have for your loved ones.  We can help you determine an amount that would be adequate to stay in the home, school district, activities, pay ongoing expenses, keep college plans in place and keep a similar standard of living.

Options include affordable term insurance plans which guarantee coverage and level annual or monthly cost from 5 to 30 years.  Other plans can accumulate cash value and guaranteed coverage for life at a level annual cost.

Disability

If you become sick or are injured and cannot earn the income you need to support your family you can be assured if you have this coverage.  There are many coverage options, amounts, terms and lengths of coverage to fit your specific needs.  We can help you navigate these options and select a program that will work for you if you cannot.

Long Term Care

Many people will experience the need for costly assistance with the normal tasks of daily living that are not covered by health or Medicare coverage.  We can help you set a plan in motion that will assure that you will have funds available to give you choices and control.

Plans can be flexible enough to allow for in home care by spouse or loved one, professional assistance, devices and other options with the goal of staying in the home.  In the event that care is needed in a facility those cost can be covered also.  Let us help make sure you have a plan that is flexible, friendly and fits your budget.