Our Insurance Products

Auto

A robust and comprehensive automobile insurance policy can often times be the most important part of your risk-mitigation approach. Automobile crashes unfortunately have the potential for catastrophic loss. The loss of a vehicle and ability to be mobile are important parts of most people’s lives. Insuring against the potential for physical damage to your vehicle, especially depending on the vehicle’s value, should always be considered.

The potential for loss of life or major injury in an auto crash is also a risk that needs protected against. Having appropriate limits of liability is imperative if you find yourself in a major crash. State minimum liability limits are woefully inadequate in a large percentage of scenarios.

Let one of our licensed representatives take some time to provide you with options and explain their coverages. Understanding your auto insurance and what it covers is half the battle. It’s important you know what you’re paying for and feel it is adequate and that you are protected. We can help you with this. Reach out to our office for a consultation!

HOME

Protecting your most valuable financial asset should be important. Usually for homeowners, that asset is your home. Your financial interest in your home can literally go up in smoke if you aren’t protected appropriately by your current homeowner’s policy. If you carry a mortgage, your lender will most certainly insist you have adequate comprehensive coverage that protects their interest in your home. It’s not something they typically let slide through the cracks.

But what about protecting more than just your house structure against predictable perils? Do you know if your policy coverage is actual cash value and replacement cost? Do you live in a high-risk floodplain? Do you have enough coverage to protect your personal belongings? What about items with perceived value such as jewelry, silverware, firearms and collectibles? There are several factors to consider when insuring your home and possessions. We can help you figure out where to focus your protections and how to protect them in the best way possible.

Renters’ insurance is often times over looked by people who rent instead of own. Liability and personal property coverages are just as important to a renter as they would be a home owner.

A conversation with one of our licensed insurance representatives can go a long way in calculating your protection needs.

HEALTH

Companies that offer health insurance often have more options available to them than they know. We can accommodate very small to large groups with various plan structures with multiple options through several different carriers.

Call us, message us or download the fillable census form below. Return the form with the requested information for a quote.

Life

Time is a precious commodity. None of us truly knows how much of this commodity we will get until it is gone. We all hope to live a long, healthy and productive life; none of us is guaranteed that. Even with the best-laid plans, accidents happen — life happens.

Leaving behind loved ones who count on us physically, financially and emotionally can leave a gaping hole in their lives. As difficult as this is to consider and think about or even worse, discuss, it’s as important of a conversation you could have for your loved ones’ sake! What would your family or loved ones need if you were gone? What are their future needs that you had planned to provide for? All are uncomfortable questions, but we wouldn’t be doing our job if we let those conversations go without offering you a chance to have them.

If you are carrying insurance to protect your vehicles and or home against things that might happen, shouldn’t you consider insuring against something that inevitably WILL happen? Protect your family’s future. Buy life insurance. Call us for that conversation.

BUSINESS

Not everyone owns a business, but those of you who do know the headaches and stress associated with that endeavor. Developing a strategy to ensure advancement is a key component to success in the business world. There are predictable occurrences and road blocks most business owners can prepare themselves for to avoid failure or business-crushing scenarios. But what about the risks you have little control over? That is where a good, comprehensive insurance package can save your business from catastrophic loss.

Having the right combination of property protection, liability protection and injury protection can help you avoid those kind of losses. We offer a broad variety of coverages with some of the industry’s best carriers. We’re ready to assess your risks and advise on your insurance needs.

Business package policies that cover liability and property loss
Commercial automobile policies that cover your vehicles
Workers’ compensation that ensures an employee is treated, healthy and back to work following any injury they may endure while on the job

An umbrella policy should always be strongly considered to give you an added layer of liability protection against catastrophic loss.