Comprehensive Insurance Solutions for Individuals and Businesses
Auto Insurance
Protect your vehicle with tailored auto insurance solutions that fit your lifestyle and budget. Enjoy peace of mind with comprehensive coverage and personalized service.
Homeowners Insurance
Safeguard your most valuable asset with our reliable home insurance options. Our policies are designed to protect your home and possessions against unexpected events.
Commercial Insurance
Ensure your business is protected with our extensive commercial insurance services. From general liability to businessowners coverage, we’ve got you covered.
Other Personal Lines options
Motorcycles, Boats and Recreational Vehicles
Protect your adventures on the road and the water with our tailored insurance solutions for motorcycles, boats, RVs, snowmobiles, and all your recreational favorites. Unlike standard auto and homeowners policies, our coverage is designed to ensure nothing valuable is left unprotected. We have sound and proven solutions to insure cycles, boats, RV's, snowmobiles and all sorts of toys. Most auto and homeowners policies limit or even exclude certain pieces of property and everybody has some sort of "toy" that is special to them. We can properly insure just about anything you like that is important to you by putting a policy in place to insure those items specifically.
Personal Articles
Cheers to your engagement! You’re about to embark on planning a truly memorable celebration. While you collaborate with photographers, florists, and venue teams, let the magic of wedding planning unfold.
Do not forget to insure that little piece of jewelry you just saved months for. In case it gets lost, stolen or a stone falls out of the setting, you want to make sure this gift is covered for loss.
Renters and Rental Properties
If you are just starting on your adult journey and not yet a homeowner, you will still want to have a Renters policy in place to insure your personal belongings in case of a loss. A Renters policy will provide "loss of use" coverage that will provide coverage in the case of a loss where you cannot reside in the home any longer due to a fire or some other loss. Liability is also included in these policies as well.
Landlords need special coverage options that a typical homeowners policy does not have. Since you own and rent out the home, there are also coverages that are not needed since you may only have a small amount of your own personal property in the home if any.
Commercial Exposures
Commercial Auto
No matter if you drive a single truck or manage a fleet, our Commercial Auto insurance options are designed for your needs. We provide customized solutions tailored for contractors and businesses that rely on transportation.
General Liability
With Commercial General Liability (CGL), you gain extensive protection that covers bodily injury, medical costs, property damage, and any liabilities related to personal or advertising injuries. Commercial General Liability (CGL) offers extremely broad coverage. It insures against bodily injury liability, medical payments, property damage, and personal and advertising injury liability exposures for a variety of businesses and enterprises.
Workers Compensation
Workers' compensation insurance safeguards employees from financial loss due to work-related injuries. Mandated by law in every state, this coverage can be secured through various private options. Workers compensation coverage indemnifies workers for injuries arising out of or during the course of employment. Benefits generally include medical expenses, death benefits, lost wages, and vocational rehabilitation. Workplace safety is an important part of controlling the cost of workers' compensation insurance. Insurance companies offer a variety of programs to help employers reduce or eliminate losses.
Frequently asked questions?
Auto Insurance
Collision coverage is provided to an insured auto due to the collision with another vehicle, object (tree, building) or the upset or overturn of the vehicle. In addition, if the covered auto is involved in a hit and run, collision coverage will provide the coverage for the vehicle. Comprehensive coverage will then be provided for any other incidents that happen to a covered auto such as a broken windshield, vandalism, theft or the collision with an animal.
Homeowners Insurance
No, flood is an excluded peril under all homeowners policies. You can however purchase a flood insurance policy from the National Flood Insurance Program (NFIP) that is administered by the Federal Government. There are a number of carriers that provide access to flood insurance whether you are in a flood plain or not. There also is an endorsement that can be added to a homeowners policy called the backup of sewers and drains coverage which will provide coverage for items in a basement that become damaged due to a sump pump becoming overwhelmed be an amount of water due to heavy rains.
Umbrella Insurance
The umbrella policy will respond if you are responsible for damages that exceed your underlying auto, home, renters or recreational vehicles liability limits. Written in $1M increments these policies are essential in maintaining the proper levels of insurance and protecting the family from a financial judgement against them. The policy will also provide coverage for defense costs such as attorney's fees and other expenses.