Home/Auto Insurance
Homeowners Insurance
The biggest investment most people will ever make is in their home. That’s why it makes sense to protect the sizable financial investment you’ve made in your own home with a comprehensive homeowners plan.
Your home purchase is an investment deserving the protection that only an experienced insurance professional can provide.
Basic Protection You Need For
- Your home
- Other buildings or structures on your property
- Your personal belongings – furniture, clothing, appliances, etc.
- Additional living expenses
- Your personal legal liability
Special features you can choose for additional security
- Home Replacement Guarantee
- Replacement Cost on Contents
- Special Coverage for Jewelry, Camera’s, Musical Equipment, etc.
- In Home Business
Auto Insurance
To properly protect yourself from the always present danger of huge awards for auto liability, it is imperative that you maintain the proper level of coverage for your particular situation. Not to mention protecting the monetary investment you’ve made in your car.
If you have any doubts about the appropriate level of automobile coverage that’s right for you, we have excellent plans available through reputable auto insurers, and we will be happy to help pinpoint the coverages best suited to your needs.
Compulsory Auto Policy Coverage
- Bodily Injury to Others
- Damage to Someone Else’s Property
Optional Coverages
- Medical Payments
- Collision
- Comprehensive
- Towing and Labor
- Uninsured/Underinsured Motorists Protection
Workers’ Compensation
Workers’ Compensation coverage applies to bodily injury and diseases arising out of and in the course of employment. Any bodily injury must be accidental, and the term includes death resulting from the accident. Only occupational diseases, which are unique to the occupation, are covered.
Workers’ Compensation provides for the payment of four types of benefits:
- Medical benefits
- Income benefits
- Death benefits
- Rehabilitation benefits
A representative can provide you with complete details on Workers’ Compensation Insurance and recommend cost-effective ways to control expenses through safety engineering and claim services.
Commercial General Liability Insurance
Casualty Insurance consists primarily of liability coverages, which protect an insured party against injury or damage claims made by other parties.
Policies provide coverage for liability arising out of:
- Premises and Operation
- Fire Damage Liability (damage by fire to premises rented to insured)
- Personal and Advertising Injury
- Medical Payments
- Products/Completed Operations
You may want to consider a Business Owners Package which combines your Liability, Property and other types of coverage into one comprehensive policy and which can help you save time and money on your total insurance program. And since we live in an age of million-dollar lawsuits, you may also want to add extra liability protection in the form of a Commercial Umbrella Policy. We can tell you more about these plans and if they make sense for you.