Services

Personal Insurance

Personal insurance protects the items you value the most: home, auto, jewelry, boat, RV, and rental properties. Personal insurance policies also protect you from liability exposures such as slip and falls and dog bites. We can also provide an Umbrella liability policy to sit on top of your auto liability and your personal liability policies. This added coverage provides added security in the event you are liable from an incident on or off your property.

Commercial Insurance

Commercial insurance is designed to protect businesses, their owners and their employees. Coverages include property, liability, business auto, workers compensation, crime, equipment breakdown, errors and omissions, directors and officers, cyber, flood, and much more. Business owners need to protect their business from property losses, loss of income, liability lawsuits, worker’s comp and other risks. If you own a business, you need to contact one of our representatives for a consultation to determine the best way to handle inherent risks. Avoidance and transferring are other options to handle exposures.

Life & Health Insurance

Life insurance covers the risk of life and pays a sum of money to the beneficiary upon the death of the holder. We can provide services to help determine the amount of coverage needed for the surviving relatives and how to best coordinate the benefits from the type of policy that accomplishes your goals. Health insurance covers medical expenses and treatments. We will help guide you to finding the option to best suit your needs.

Bonds

A surety bond is a promise by a surety (insurance company) to pay one party (the obligee) a certain amount if a second party (the principal) fails to meet some obligation, such as fulfilling the term of a contract. Surety bonds are commonly purchased by construction companies and contractors but any company that wants to protect themselves can require a surety bond.

Consulting

Our licensed and qualified staff can review your current insurance policies and help guide and explain what best suits your needs even if we do not write your insurance coverage. We have qualified staff with CPCU and CIC designations to help you navigate through the maze of insurance coverages.