Homeowners & Renters
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.
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.
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.
Life & Disability
Life insurance is a crucial step in planning for your future and your family’s future. It can fulfill promises and obligations to your family if you are no longer living and in some cases while you are living. There are many types of life insurance plans, benefits, and riders that can help you to achieve your goals in the most efficient manner.
Disability Insurance is an important part of protecting your family through your working years. It protects your ability to earn income which can allow you to continue the lifestyle you have become accustomed to even after a temporary or permanent disability. While you may have employer sponsored disability coverage at work, it may be a taxable benefit when claimed. But you can supplement that benefit with an individual plan as well.
We offer insurance packages that are tailored for different types of businesses. Whether it is insurance for your building, business property, equipment, inventory or company vehicles we offer products and services to protect your business.
In addition we also offer Worker’s Compensation including companies that offer annual Dividend programs.
Health & Long-Term Care
Health care costs are high and getting higher. Who will pay your bills if you have a serious accident or a major illness? With health insurance, you protect yourself and your family in case you need medical care that has the potential to be very expensive. Policies differ widely in coverage and cost. Your agent will shop various policies to find the best one for you, making sure the policy protects you from large medical costs.
Long term care insurance is specifically designed to cover long-term care services that are not typically covered by Medicare or standard health insurance. These can include assistance with activities of daily living at your home or a facility or nursing home.
Business & Group Benefits
We offer a wide variety of group benefits ranging from medical, dental, vision, life, disability and more at competitive rates from highly rated insurers to add value to your employees and keep them healthy and working. We can also help you navigate the needs of your business to create a benefit package that fits your company through both group benefits and voluntary benefits.
Voluntary Benefits can provide value added benefits to your business’ available options at low or no cost to the employer. These benefits typically come at a reduced cost to gaining similar coverages on your own and can be a significant advantage for your employees. Such coverage include: supplemental life insurance, specified health event coverage, lump sum critical illness or cancer policies and much more!
We offer various types of bonds including commercial bonds and fiduciary bonds.