Products
Products
We can help you choose the right policy and options from our many providers. We have policies to protect your home, cars, jewelry, home business or boat - in almost any situation.
The same is true for your business. We can help you establish an insurance plan that is right for your business and select policies and options from our many providers to get you the protection you need.
The same is true for your business. We can help you establish an insurance plan that is right for your business and select policies and options from our many providers to get you the protection you need.
Some products and services may not be available in your area.
Personal Insurance (Auto and Home Insurance)
Personal PackageOne policy, one bill equals convenience and enhanced protection. We can combine your auto, home and other coverage in one comprehensive policy. We can start now with just your auto or home and 'package' the other coverage when your current policy expires.
Homeowner, Condo Owner, RentersOne little policy does a lot. A homeowner policy reimburses you for damage to your home from a variety of 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 alterations to your residence
Personal AutoYou need to protect yourself should your vehicle be 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 reimbursement 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; examples include installation of custom audio equipment, business use of your auto and teenage and guest drivers, to name a few.
Antique, Classic and Customized Automobile InsuranceSpecial autos come in all shapes, sizes and model years. We share you dedication to caring for and protecting your special vehicle. Let us help you care for your classic car by providing the policy that is right for it and you.
ATV InsuranceInsurance is not required for your ATV 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 Insurance Policy.
BoatOne 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.
Dwelling Fire InsuranceDwelling 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.
Home BusinessMore 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's right for your business no matter how small, new or established.
Identity TheftAbduction of your personal information can result in financial loss ranging from a thief draining your bank accounts to new debt from fraudulently opened credit accounts. Protect yourself before you become a victim by taking necessary precautions and insuring potential loss.
Personal UmbrellaSometimes 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.
Recreational Vehicle InsuranceYour 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.
Scheduled PropertyMany of us have possessions that are not adequately protected by a standard homeowner policy. Examples include jewelry, antiques, oriental carpets, art work, sports equipment, collectibles and firearms. Scheduling important possessions gives you adequate levels of protection, coverage against broader causes of loss and no deductible.
BondsBonding is a three party agreement where a third party (surety company) assures the performance or obligations of one party to another party. There are many different types of bonds for different situations. The most common are license and permit bonds, probate or court bonds, and construction contract bonds.
- Notary Bonds – Instant issue with special rates on Errors and Omissions.
- License & Permit Bonds – Most issued same day from our office.
- Lost Trust Deed Note Bonds – Special program. Just fax over the preliminary title report and we do the application for you. 24 hour turnaround. 1.5% rate.
- Contractors – We have programs for every need.
- For the contractor with infrequent small bond needs, we have markets that will write your account based solely on your good credit. No financial statements, business or personal are required.
- For the contractor with more frequent and larger bond needs, we have Best A-rated, Treasury listed markets with competitive rates
Business Auto InsuranceMaybe 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.
Business Owners PolicyThink of it as homeowner insurance for your business. This type of policy is appropriate for many small and medium sized businesses. It conveniently includes many types of coverage like liability, building, business property and loss of income.
Commercial General LiabilityYour 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 name a few.
Commercial Package PolicyA 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 coverage. The options available create flexibility that allow a Package to be customized for most kinds of business.
Commercial Property InsuranceThis type of policy provides protection from loss, due to a variety of perils, to all kinds of business property including: building structures, furniture, inventory, equipment, and supplies, money and securities and business records. If you have a larger or more complex business you may need the flexibility of insuring your business property through a Commercial Property Policy.
Workers Compensation InsuranceThis 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.
Financial ServicesFinancial products for individuals and families including life insurance, annuities, disability insurance and IRAs.
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. (Including, but not limited to medical, dental, vision, disability, etc)
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. (Including, but not limited to Term Life, Universal Life, Whole Life, Variable Life, Annuities, etc)
Employee BenefitsComprehensive employee benefit plans for the business community including health insurance, disability insurance, long term care insurance, 401-K, dental insurance, life insurance, annuities, retirement plans, sec. 125.
- Medical
- Dental
- Vision Care
- Life and AD&D
- Short- and Long-Term Disability
- Cancer
- Health Savings Account (HSA)
- Flexible Spending Account (FSA)
- Including Child Care Expenses
- Medical Spending Debit Card
- Parking and Transit Section 132 Plan
- 401(k) Retirement Plan
- Employee Assistance Program (EAP)
ADMINISTRATION & SUPPORT
- Annual Enrollment
- New Employee Enrollments
- Employee Eligibility
- Section 125
- COBRA
- Invoice Reconciliation
EMPLOYEE ADVOCACY
- Claims Resolution
- Finding Doctors
- Employee Web Access
Some products and services may not be available in your area.