Business Auto Insurance is similar to personal auto policies but covers your liability and physical damage to autos used in the course of your business. Vehicles used primarily in the course of your business or owned by a business are required to have a Business Auto Insurance Policy. You may want to include Hired or Non-owned Vehicles coverage to cover rented autos or employees’ autos while used in the course of your business. Here’s more information from the Insurance Information Institute.
Inland Marine Insurance
Inland Marine Insurance is used to insure certain types of commercial property such as contractor tools & equipment, property while in transit, property awaiting installation, certain types of specialty property and property of others while in your care or possession. Here’s more information from the Insurance Information Institute.
Homeowner's Insurance provides protection for damage to covered property. Parts of a Homeowner's policy include: Property Coverage, Additional Living Expense, Personal Liability and Medical Payments.
Life Insurance is needed for a variety of reasons. You may need to provide for final expenses, such as funeral expenses, estate taxes or pay-off debt you incurred during your lifetime. Life Insurance can also be used in estate planning to avoid probate taxes. Benefits are generally tax free. For more information, visit Insurance Information Institute.
Health Insurance
Health Insurance helps pay for covered medical expenses. There are minimum essential benefits that must be covered in order to be considered a Qualified Health Plan. More information about minimum essential coverage can be found here.
Disability Insurance
Disability Insurance replaces lost income in the event you are disabled from sickness or an accident. Almost 1/3rd of Americans entering the work force today will become disabled before they retire. This coverage pays even if you are not covered by Worker’s Compensation.
Long Term Care
Long Term Care pays during your stay in a long term care facility, assisted living facility or even when receiving care in your home. Many optional coverages are available to custom-build a plan for you.
We are committed to providing clients with the highest quality insurance plans available combined with some of the lowest rates available. Whether you’re shopping for auto insurance, home insurance, life, health, farm or business insurance, we can help get you the best coverage available with the lowest rate possible.
Commercial Property Insurance
Commercial Property Insurance will cover your business buildings, business personal property, inventory and even business interruption. Coverage is issued either on an actual cash value basis (depreciated) or replacement value basis (no depreciation). The type, size and age of your building will help in determining which is appropriate for your needs. Here’s more information from the Insurance Information Institute.
Commercial Liability Insurance
Commercial Umbrella Liability Policies provide an extra layer of protection after your underlying business liability limits are used up. Umbrella policies start at $1,000,000 and can be increased in $1,000,000 increments.
Commercial General Liability Insurance will cover you if someone is injured at your business or from using your product or service. Limits start at $100,000 and go up to $1,000,000. Optional coverages are available that cover liquor liability, employment practices, pollution and cyber liability.
For residents in our area who live in a flood plain, here’s flood insurance information from FEMA: https://www.fema.gov/national-flood-insurance-program/