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Services and Products Offered |
| Personal Lines Services & Products |
| Whether you own your home or rent, our personal lines agents are specialized in protecting your assets. We can issue a homeowner's policy with windstorm hazard coverage, protecting your residence from physical damage. Flood insurance is available for nearly the entire marketplace, and we can get this coverage to help close an important coverage gap. If you rent, we can write a policy that will protect your personal belongings as well as provide coverage for personal liability. We can also craft a policy specific to valuable items in your possession. And no matter how you get around town - car, truck, motorcycle, boat, PWC or RV - we can cover your vehicle, whether it's for daily commuting or weekend fun. And finally, Personal Umbrella coverage is available to protect you from an unexpected liability claim. |
| Commercial Lines Services & Products |
| Local Business Owners |
| From retail businesses to professional services, our agents can review the insurance marketplace for coverage that best fits your company's needs. We can obtain General Liability coverage for most businesses at highly competitive rates. Additionally, we can write a policy to protect your company's investment in buildings, tenants' improvements and business equipment. For contractors and related fields, we can cover your tools and other equipment against theft or breakage, to ensure a covered problem with your equipment does not cause a business disruption. If your business manufactures a product, we can craft a specialty Product Liaiblity policy to protect against liabilities that may arise down the line. Commercial crime coverage is also available, which can protect your business in the event of certain forms of burglary/theft. |
| Commercial Property Owners |
| We understand the importance of adequate coverage in a complex market. If your commercial property is for leased office or habitational purposes, we can work with you to ensure your interests as a lessor are protected. We can obtain comprehensive coverage to protect both your property and your liability interests. Our agents are also able to write a policy that will cover your loss of rental income in the event of a hazard that results in an uninhabitable condition of your property. We will help determine your particular needs with you to protect your business and prevent serious disruption of your operations. |
| Whether your commercial property is inhabited or used to conduct business, by yourself or by others, our agents are well-versed. We can protect your liability interests as a lessor, and will work with highly-rated carriers to obtain coverage for your building at the most competitive pricing. Depending on the specific characteristics of your property, we will examine your situation to close any coverage gaps that may exist in your current coverage. We can also consult with you on the type of coverage you should require of your tenants (if applicable) such that your tenats' liabilities are covered and do not become your own. |
| Additionally, we are experienced in evaluating insurance requirements as part of a loan closing, and we will work with your lender to make sure there are no insurance-related delays in closing your loan. |
| Community Associations |
| We can tailor a policy that will protect the liability interests of your community association's Directors and Officers, as well as being able to write a General Liability policy that will protect liability interests in common areas of your development. We are also able to write a master policy that will cover all the buildings of your development, from sheetrock out. We can also craft policies for individual unit owners that will protect the owners' property within the walls of each unit. Our agents are experts at this form of coverage and will review your association's needs to protect the interests of all unit owners. |
| Commercial Builders |
| Our agents have witnessed the rapid population growth in the region, and we are proud to work with builders who fuel economic growth. Together we will review the scope of your project(s) and discuss options for coverage depending on your expectations and needs. We can craft a Builder's Risk policy to protect your projects while they are being constructed or renovated. We are also able to write liability coverage for your contractors and subcontractors, and we will obtain coverage to protect your equipment against breakdown and theft, if desired. If you are in need of a performance bond for your project, our agents can evaluate options for obtaining this coverage as we review your operations. |
| Workers' Compensation |
| Workers' Compensation insurance is a necessity to protect your business assets from damages relating to injury or disease to one of your employees. We can quote and issue Workers' Compensation coverage for most businesses with a very quick turnaround. Safety credits may be available to you, which will help lower your premium. Our agents will be sure you receive all credits for which you are eligible. Additionally, we are able to write coverage for companies looking to institute a Drug-Free Workplace Program, as additional premium credits are available to participating companies. Our agents can review the options available to keep your business running smoothly in the event of an employee accident or disease. |
| In addition to Workers' Compensation, we are able to provide your business with Employment Practices Liability Insurance. In the event of an employee lawsuit, EPLI coverage cna provide protection in matters of alleged harassment, discrimination, wrongful termination, infliction of emotional distress, and similar situations. The cost of this coverage varies depending on the size of your business and the nature of your operations. Our agent will review your business operations and discuss the benefits of this coverage with you. |
| Commercial Auto Coverage |
| If your company has vehicles for business use, we can protect you here as well. We have access to competitive rates for commercial auto coverage and will work with you to explain your options. Our agents can handle a fleet of one or many vehicles, and will make sure your liability exposure is minimized when your drivers are on the road. Additionally, we can cover Motor Truck Cargo for both liability and property loss if your business has valuable or hazardous items that need to be shipped. |
| Excess Liability |
| While General Liability coverage may protect your business against common liability issues, your business may also benefit from an Excess Liability policy. These policies are designed to increase limits over what is provided through General Liability, and may cover certain auto-related losses. These policies are also very cost-effective for providing enhanced protection to your business in the event of a significant claim. Our agents will seek out this coverage and explain to you its unique benefits, so that you may make an educated decision. |
Our experience in the insurance field is broad. If you need specialty coverage that is not listed here, please contact our office directly so that we may discuss your needs and evaluate options for obtaining your coverage. Our agents are patient and eager to understand your insurance needs, so that we may provide coverage to protect your interests. Contact us today to see what solutions we can provide for you!