- Auto InsurancePersonal automobile insurance covers private passengers and their vehicles. It provides protections against financial loss from accidents involving other vehicles, property damages, bodily injuries, weather, vandalism, theft, and more. Once you understand the aspects of each coverage, you can decide which ones to include in your personal auto insurance package and determine the limits of coverages that best fit your circumstances as our policies are customizable.
- Motorcycle InsuranceMotorcycle insurance is a way of sharing the risks of riding between you and your insurance company. Whether you have a sport bike, chopper, cruiser, moped, touring bike, dirt bike, scooters, standard, antique, or even a custom ride, motorcycle insurance can protect you, your bike and others on the road.
- Boat InsuranceUmbrella insurance is concretely designed to give you an added liability protection above and beyond the limits on your primary homeowners, auto or watercraft insurance policies, as this protection is intended and formulated to “kick-in” when the liability on your current policies has been exhausted.
- Renters InsuranceEven if you may not own your living area and live in a rented house or an apartment as a renter, you certainly own your belongings. In case your house or apartment is broken into, destroyed by a fire or vandalism, or perhaps a person gets injured at your home, renters insurance provides financial protection for you and your family. It pays for the repair and replacement of lost items as well as any liability issues you may be responsible for.
- Home InsuranceIf you have tangible assets, you need the protection of a homeowners insurance policy. These policies cover you in a home or an apartment, whether you are an owner or a renter.
- Condo InsuranceCondominium unit owners insurance policies cover most things from the interior of your unit, such as walls, ceilings, fixtures, and floors, to your appliances, furniture, cabinets and personal belongings along with the liability insurance that protects you and your family member from lawsuits for property damage or bodily injury just like homeowners policy.
- Life InsuranceTerm life insurance is a form of life insurance that covers the insured person for a certain period of time and the “term” is specified in the policy. It pays a benefit to a designated beneficiary only when the insured is deceased within that specified period which can be 1, 5, 10 or even 20 years. Term life policies are renewable, but premiums increase with age.
- Health InsuranceHealth insurance products come in a wide range of shapes and sizes that are all essentially designed to provide financial coverage for medical costs. Not all plans are created and utilized the same, albeit for the same objective. There are two main types of plans —
- Disability InsuranceIndividual Disability Income Protection is a must for a business owner, and highly recommended for executives. If you are a business owner, you should consider purchasing both group and individual policies, if possible. As an executive, you should be sure to obtain group long term disability insurance coverage if it is available.
- Long Term CareLong Term Care is the type of care received either at home or in a facility, when someone needs assistance with activities of daily living, such as bathing and dressing due to an accident, an illness or advancing age.
- Dental InsuranceFor the individuals without dental insurance, cost often stands in the way of getting the care they need to maintain the health of their teeth and gums. Even for routine preventive care, a trip to the dentist’s office could mean a substantial amount of money out of your pocket.
- Vision InsuranceVision insurance is a separate plan that provides coverage for eye exams and/or for frames, lenses and contact lenses. Many times the basic health insurance plan may provide for routine eye examinations, but it will usually not provide any benefit for frames, lenses or contact lenses.
- Business InsuranceCommercial business insurance provides wide-ranging protection for businesses and their subsidiaries under a single policy. There are various types of commercial business insurance that take care of property, liability and workers’ compensation, to name a few.
- Commercial Property InsuranceWe offer a wide range of business property insurance options to provide you the flexibility to cover what you need in order to protect your business. We work hard to help ensure your livelihood wouldn’t be jeopardized if your personnel is insured or your tools/equipment are damaged. Any setbacks won’t stand in the way of your business success.
- Workers Compensation Insurance
- Commercial Liability Insurance
- Professional Liability InsuranceEnvironmental / Pollution coverage generally falls into two categories. Errors and omissions coverage, also known as professional liability, protects a professional who mistakenly designs a facility that causes pollution in some way. Pollution incident coverage protects professionals on the job in case they cause a pollution incident by perhaps backing into a sewage pipe.
- AnnuitiesAnnuities are a unique financial product that, along with Social Security, employer pensions, your 401(k) plan, IRA and other assets, can enhance your retirement security. Discuss this option along with your certain goal with us when mapping out your retirement strategy.
- Liability InsuranceSINCE NO ONE CAN PREDICT HOW MUCH A JUDGE MAY AWARD THE INJURED PERSON or damaged asset, UMBRELLA INSURANCE IS NOT JUST FOR THE WEALTHY ANYMORE...
- Flood InsuranceFlood insurance policies reimburse you for the work that you and your family members did to sandbag your homes, move furniture and remove debris. The Federal Emergency Management Agency’s (FEMA) maps are important when it comes to flood insurance because if they show that your home sits in a 100-year flood plain, you must buy federal flood insurance in order to get a mortgage. If you live outside a high-risk zone, or if you no longer have a mortgage, flood insurance is optional.
- Earthquake InsuranceEarthquake insurance policies provide the financial assistance you need in order to recover from the loss of your residence in the event of earthquake damage. More specifically, earthquake insurance covers damages to your house, personal belongings inside your home, and loss of use (or additional living expense), which is the coverage that provides compensation to you as a policyholder to live somewhere else while your home is being repaired or your residential area is evacuated.