Personal Package
We can combine your auto, home and any other coverage in one comprehensive policy. We can start with your auto or home and then "package" all the other coverages when your current policy expires.
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Homeowner, Condo, Renters
A homeowners policy reimburses you for damage to your home from various causes. If your home is totally destroyed or you cannot use it for a period of time, your homeowner policy will also cover that. The insurance extends to your home's contents and liability for damage to property of others or injury caused to someone by you or a family member. Your policy can be personalized to include greater levels of protection for important property, home office situations, liability for boat ownership and additions and alternations to your residence.
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Personal Auto
You need to protect yourself in case your vehicle is damaged or stolen. Just as important, you need insurance for liability-property damage or injury to others caused by you and other household members as a result of operating a motor vehicle. Other policy features include medical payment reimbursements and reimbursement for injury caused to you by an uninsured or inadequately insured driver. There are many special situations where you may need to customize your policy such as including installation of custom audio equipment, business use of your auto and even teenage and guest drivers.
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ATV Insurance
Insurance on an ATV is optional, but there are several situations where liability protection you have under other policies may not apply. Some states require insurance for ATVs operated on state-owned land and your homeowner policy may not protect you if you ride off your property. ATV insurance can fill in these gaps and will reimburse you if your ATV is stolen or badly damaged. ATV Insurance includes Liability, Medical Payments, Comprehensive and Collision coverage, much like an auto policy.
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Boat
One policy includes protection against loss to your boat, motors, trailers and equipment and liability for property damage or physical injury to others caused by you or other boat operators.
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Dwelling Fire Insurance
Dwelling Fire Insurance is designed to insure residences you own or have a financial interest in but do not live in. Common situations calling for this type of insurance coverage include rental homes, homes that are vacant because they are temporarily uninhabitable or are not currently occupied because of a transition caused by a sale or relocation. In these situations, insurance protection is needed for the building but typically not for any contents. Liability insurance for the property can sometimes be added or may be handled through alternative approaches.
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Farm and Ranch Insurance
Farm and Ranch insurance can be tailored to protect the part-time farmer to the full scale one. Plans can include protection for your personal and business assets and legal liability insurance for both personal and farming pursuits.
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Flood Insurance
Even if your home or business is located away from water or is covered by a homeowner or business insurance policy, you may still need Flood Insurance. Groundwater flooding can cause damage to buildings on higher ground many miles from a body of water and over 20% of flood insurance claims originate from areas that are not considered to be high flood-risk. Homeowner and business insurance policies generally exclude flood and related losses because of the catastrophic nature of floods. Affordable flood insurance protection is available and is often an important component of a sound insurance program.
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Home Business
More and more people are working from home or starting home-based businesses. A standard homeowner policy affords limited protection for property and liability risks arising from home business pursuits. We have a range of options and can pick the one that suits you and your business, no matter how small or how new.
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Motorcycle Insurance
Motorcycles have a higher rate of fatal accidents than automobiles. Motorcycle insurance covers most types of motorcycles including cruisers, street sport, touring, high-performances bikes and scooters.
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Personal Umbrella
Sometimes the coverage limits in our automobile and homeowner policies are not enough. Litigation today results in more and more jury awards for hundreds of thousands or millions of dollars. An umbrella provides extra protection of $1 million or more.
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Recreational Vehicle Insurance
Your RV may be a motor home, travel trailer, fifth wheel or a camper. It's not a house and it's not a car and it needs special insurance protection so you can travel safely. We have products specially designed for the RV lifestyle.
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Mobile Home
Today's mobile homes have all the advantages and conveniences of a conventional home. They represent a comfortable, secure home of your own. This policy is designed to provide you, your home and your personal property with the protectin you need today and the flexibilty you want for the future.
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Bonds
Bonds come in several different varieties to fit different needs and situations. In general, bonds are meant to guarantee that one individual or entity will perform according to the specifications of a contract, ordinance or other requirement. Common types are Surety Bonds, Contract Bonds, Judicial and Probate Bonds and License and Permit Bonds.
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Builders Risk Insurance
Builders Risk Insurance is often used with a different term that describes what the insurance does -course of construction insurance. Builders Risk Insurance covers a building and typically all materials during construction. Protection can be extended for the work of individual contractors, architects and engineers. Optional coverage can often be added for costs not directly related to construction such as marketing, loss of income and delayed completion.
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Business Auto Insurance
Maybe your business owns vehicles or maybe you rent or lease them. Maybe you or your employees use personal vehicles to conduct business. If so, you need Business Auto Insurance. A Business Auto Insurance Policy protects your business against injury to others and damage to property as a result of business use of vehicles.
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Church Package
A specialized policy for religious institutions including churches, schools, and senior facilities. Protection is bundled for liability, property, boiler and machinery, crime, directors and officers, pastoral professional, athletic participation, and sexual abuse and molestation. These coverages are integrated with any automobile or excess liability exposures.
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Commercial General Liability
Your business faces exposure to loss from legal liability from a number of sources. The CGL provides broad protection from risks arising from your premises and operations, independent contractors and product liability to only name a few.
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Commercial Package Policy
A Commercial Package is a type of business package policy that bundles coverage together for several things including liability, property, boiler and machinery, crime and other optional coverages. The options available create flexibility that allows a package to be customized for most kinds of business.
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Commercial Umbrella Insurance
Commercial Umbrella Insurance is sometimes used interchangeably with Excess Liability Insurance. The two are really different; an umbrella insurance policy will "reach down" to provide coverage in gaps between other business insurance policies while a true excess insurance policy is intended to provide extra limits of insurance on top of coverage provided by other business insurance policies that are in place.
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Contractors Bonds (Contractors Surety Bonds)
There are several types of Surety Bonds for contractors: Bid Bonds, Performance Bonds, Payment Bonds, License Bonds and Supply Bonds are only a few. In general, surety bonds assure a project owner that they can rely on contractor performance, ability to make payments to certain other parties (sub-contractors, e.g.) good faith bid submissions and so on. The issurer of sureties, usually an insurance company subsidiary, investigates the abilities of a contractor and, in the event of a valid claim, will make reimbursements for non-performance according to the terms of the surety.
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Contractors Liability
Contractors have liability insurance needs unique to the building trage. We understand those needs and can find insurance protection to fit the budget of your business.
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Directors and Officers Liability Insurance
D & O Insurance, as it is commonly called, is essential to attracting, retaining top business management talent. Lawsuits against a business and its management for negligent or wrongful acts can be brought by any number of constituents like shareholders, customers or regulatory bodies. D & O Insurance will fill in gaps in primary business liability insurance and will protect the personal assets of the directors and officers.
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Employment Practices Liability Insurance (EPLI)
This kind of insurance provides insurance against liability for, as the name implies, employment practices. Protection, which will vary from policy to policy, covers a broad range of claims or lawsuits that might be brought by current of former employees or employment candidates. Just a few examples include sexual harassment, wrongful termination or discipline, wrongful failure to promote or hire, emotional distress, discrimination and invasion of privacy. Recent growth in employment practice litigation makes review of employment practices and insurance protection a necessity for most businesses today.
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Garagekeepers Liability
This is a comprehensive insurance product designed for businesses that sell, service, store or park road use vehicles. It includes liability insurance protection for damage to vehicles left in the care of the business. This protection extends to customer and non-customer vehicles. In addition, this type of insurance policy provides comprehensive liability for non-vehicle damages and injuries occurring on the business property.
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Landlord Package Insurance
Landlords face special risks that require special insurance protection. A few examples of losses or exposures that are covered in a Landlord Package Policy include: Loss of rent resulting from an insured loss; Buildings with one or several units, Varied residential or commercial occupancies; Legal liability resulting from the activities of tenants; and Uninsured or under-insured repairman. Even though Landlord Package insurance is primarily designed to protect you from loss to rental property it can, and should provide adequate insurance limits to protect your other assets from legal liability arising from rental activities.
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Professional Liability Insurance
Any professional in any field is expected to possess skills and knowledge resulting from specialized training and experience. When a client or customer believes you have not conducted yourself according the standards of your profession or that you have been negligent in some way you can be sued. Standard business liability policies do not cover these situations. To supplement general liability protection you may need a specialty coverage known as Professional Liability Insurance or sometimes Error and Omissions Insurance.
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Public Entity Programs
Cities, towns, counties, state and federal government entities face substantial risks that are unique. Fire and police departments, public recreation areas and equipment and road maintenance pose vastly different and challenging risk and insurance issues. We have solutions to these issues.
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Trucking Insurance
A trucking operation may need insurance for Physical Damage to trucks and trailers, Primary Auto Liability – even on leased rigs, General Liability for property damage or personal injury when a truck is not involved, Non-Trucking Liability for drivers and trucks not under dispatch and Non-Owned Trailer Liability. We can take care of it all.
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Workers' Compensation Insurance
This type of insurance pays for medical and rehabilitation expenses for workers injured on the job. Lost wages are also covered. Each state governs the compensation details, including the amounts paid. This is often a mandatory type of insurance.
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401K and Retirement Plans
We'll help put a plan together for your company that provides high quality options and is at once easy for participants to understand. We'll help you make the most of your retirement program.
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Employee Benefits
Comprehensive employee benefit plans for the business community including health insurance, disability insurance, long term care insurance, 401-K, dental insurance, life insurance, annuities, mutual funds, retirement plans, sec. 125.
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Group Benefits
Life, health, disability, retirement plans...we have all the options you need to make sure your company's overall compensation plan helps attract and retain the employees you need to give your business a competitive edge.
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Group Health Insurance
Health insurance is an important benefit for your employees. Having the right plan can give your business a competitive advantage as part of your overall compensation program. In fact, many people who would otherwise be qualified to run their own businesses may work for yours because of access to your benefits program. Let us help you find the best program for you.
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Group Life Insurance
Life insurance is an important benefit for your employees. Having the right plan can give your business a competitive advantage as part of your overall compensation.
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Disability Insurance (Individual)
A study performed by the American Council of Life Insurers showed that a 35 year old is six times more likely to be disabled than die before they are 65. Disability policies can be tailored to supplement employer benefits, provide benefits to the self-insured, or to fund a business disability buy-sell agreement.
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Fixed Annuities
Fixed Annuities are a type of insurance contract where an insurance company makes a series of guaranteed payments in exchange for a sum of money at the outset of the contract; some fixed annuities will provide for a payment plan over time to build up the annuity lump sum. This type of investment instrument can help stabilize investment income, defer taxes on investment earnings, and is often part of a financial strategy for retirees or those contemplating retirement. Because of the guaranteed income stream provided by the fixed annuity, the insurance company, rather than the insured (annuity owner), takes the investment risk.
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Health Insurance (Individual)
There are more health plans than ever before and increasingly plans are finding ways to balance important financial protection from medical care costs with premium. Budgeting. Let us know what your unique needs are and we will find a program to fit your protection requirements and budget.
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Health Savings Account (HSA)
HSAs are savings instruments that you can use in conjunction with high deductible health insurance policies. HSAs are tax advantaged tools that allow you to invest money for the purpose of paying future medical expenses. Funds in HSAs accrue over time and let you control what medical expenses you will use the funds for and when. HSAs are completely portable and can help you cover high deductibles or expenses that your insurance policy won't cover.
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Life Insurance (Individual)
Life insurance is an essential part of any financial program. A variety of policies and limits can be used to pay off a mortgage, cover future education expenses, fund a business buy-sell agreement and more. The type of policy and limits you need will depend on your financial goals.
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Long Term Care Insurance
America's population is aging and many of us may find our assets at risk as we struggle to pay the costs of daily living assistance during periods of serious illness or disability. These costs are not covered by traditional health policies or Medicare. For some, Long Term Care Insurance may be the best alternative.
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Medical Insurance
Medical Insurance removes the risk of potentially catastrophic financial loss due to unexpected illness or injury. Apply online and get protection as soon as the next day.
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