Commercial Lines Business Owner Policy
For small and medium size businesses this policy combines coverage for property, loss of use and liability at premium rates for certain businesses.
Commercial Lines Auto Package
This combines a personal auto and home owners policy.
Commercial Lines Tow Truck
Coverage designed to protect your towing operation in the event of an accident, theft, injury. Other coverage includes garage keepers, on-hook, and business liability.
Commercial Lines General Liability
Many classes including Accountants, Engineers, Consultants, Insurance Agents, Lawyers, Financial Institutions, Medical Malpractice.
Commercial Lines Monoline Workers Compensation
An assortment of binding authority markets with a broad range of classifications.
Commercial Lines Excess Workers Compensation
Excess policies, large deductible and self insured programs tailored to the client’s needs.
Commercial Lines Liquor Liability
Limits up to $2,000,000 CSL available.
Commercial Lines Umbrella & Excess
Lead Umbrella and Excess. High limits & layers.
Commercial Lines Products Liability
Numerous classes-Industrial Machinery, Sporting Equipment, etc.
Commercial Lines Commercial Fire
One of the most common types of business insurance is commercial property insurance, which provides a wide range of coverage for buildings, inventory, equipment, tools and more. Losses from fire, break-in, vandalism, wind and other natural or manmade disasters are examples of what is typically covered. A basic commercial property insurance policy may be all you need, although the types of coverage can vary between different insurance companies.
Auto Preferred Auto
Multiple carriers and coverages. Good student discounts and safe driver discounts available. Antique & Collector coverage.
Auto Non-Standard Auto
Preferred carriers for SR-22s, lapsed coverages, and prior cancellations. High limits.
Auto AAA Motorclub
The AAA Motorclub membership provides you protection for when something happens with your vehicle. For example, a AAA Membership can provide you with the following services: Towing, Tire Change, Jump Starts, Fuel Delivery and lock out service to name a few.
Homeowners High Value Home
All Risk, water backup to policy limits, personal article experts.
Homeowners Monoline H0-3
No credit scoring, preferred carriers.
Homeowners H0-8 and Dwelling
Vacant homes, low market value, multiple claim issues.
Homeowners H0-3 Non-Standard
Hard to place risks with multiple losses, available coverage for replacement cost on contents, water backup, and builders risk.
Homeowners Condominium Insurance
As a condo owner, you receive some level of insurance coverage through the condominium complex’s master policy, which covers damage to the building’s common areas and liability claims for accidents that occur in those areas. But there can be significant variations in what master policies cover from one complex to the next. To make sure you insure your unit and your possessions properly, you need to understand what a master policy usually covers, what it sometimes covers and what it usually doesn’t cover. You also need to review your condo association’s master policy to find out exactly what it covers. If you’re having trouble making sense of it, a condo-insurance we can help you. Once you understand what you’re responsible for and what you aren’t, you can purchase a condo unit-owner's policy to fill in the gaps.
Homeowners Renters Insurance
Homeowners aren't the only ones who need insurance. No matter where you live, having insurance protection helps you keep your finances intact by avoiding losses from theft, fire or other events that damage or destroy your personal property. And if you cause an accident that damages the apartment or condo itself, insurance can provide you with important protection in those cases, too.
Your renters policy covers your personal property against theft or damage subject to the limits and deductibles you select. The coverage applies even when you are away from home.
For a small additional premium, you can choose to carry full value coverage on your personal property, which ensures that you will be paid the full replacement cost of items that are damaged or stolen without deduction for depreciation.
Homeowners Mobile Home
Protection for your mobile home and your possessions can be covered under Mobile Home Insurance
Homeowners Liability Coverage
An important part of any policy, liability covers you and household members if you’re found responsible for bodily injury or property damage to someone who doesn’t live in your home.
Homeowners Dwelling Fire
A dwelling fire insurance policy is purchased by a homeowner who needs protection against certain perils (losses) but does not need comprehensive homeowner’s insurance coverage. A dwelling policy covers the structure of a building. The policy is ideal for a vacant home or for homes that are rented out.
A dwelling fire policy protects the structure of a home against the “named perils” listed in an insurance policy. Despite its title, the policy covers more than just fires. Other losses covered include but are not limited to wind, hail, lightning or vandalism. Because the policy exists to protect the structure only, personal property within the home such as electronics, clothes or appliances are excluded from coverage.
Specialty Umbrella
Following form, excess liability.
Specialty Boat
Coverage available in homeowner’s package or monoline. High value boats and Yachts.
Specialty Jetski/Waverunner Insurance
Coverage for your Personal watercraft .
Specialty Short Term Medical Insurance
Short Term Medical coverage provides you with the temporary coverage needed to prevent an unexpected threat to your health from becoming a financially-crippling incident as well.
Specialty Flood Insurance
Easy issue monoline policy.
Specialty Recreational Vehicle Insurance
RV’s, travel trailers, motor homes, ATV’s.
Specialty Motocycle Insurance
Markets in custom & sport bikes. Replacement cost available.
Specialty Snowmobile Insurance
High Performance.
Individual Products Health
Health plans ranging from any doctor/any hospital to traditional PPO or HSA.
Individual Products Dental
Included in some health plans. Also available as a separate coverage.
Individual Products Life
Simple issue life up to $25,000. No physical exam or medical records required. Valuable protection for any age (0-85).
Individual Products Disability
Coverage for many hard to place occupations. Short waiting periods paid for up to 5 years.
Individual Products H0-8 and Dwelling
Vacant homes, low market value, multiple claim issues.
Individual Products Vision
Best provider networks available.
Individual Products Cancer Benefit
Cash benefits paid in lump sum; monies paid upon first diagnosis; benefits can be used for direct or indirect costs.
Individual Products Short Term Medical Insurance
Short Term Medical coverage provides you with the temporary coverage needed to prevent an unexpected threat to your health from becoming a financially-crippling incident as well.
Individual Products Prescription Drugs
Most of our health plans automatically include a drug discount card. We also offer optional prescription drug co-pay cards on many of our plan offerings.
Individual Products Flood
Easy issue moonlike policy.
Individual Products Recreational Vehicle
RV’s, travel trailers, motor homes, ATV’s.
Individual Products Motocycle
Markets in custom & sport bikes. Replacement cost available.
Individual Products Snowmobile
High Performance.
Group Products Health
Traditional PPO/HMO plans offered, as well as HSA & HRA plans. Employer sponsored or voluntary plans. Valuable protection for any age (0-85).
Group Products Dental
Employee Sponsored or Voluntary.
Group Products Life
Employee Sponsored or Voluntary.
Group Products Disability
Employee Sponsored or Voluntary.
Group Products Vision
Employee Sponsored or Voluntary.
Group Products Key Man Life Insurance
Employee Sponsored or Voluntary. Creative and flexible plan designs.
Group Products Buy & Sell Life Insurance
Employee Sponsored or Voluntary. Creative and flexible plan designs.
Group Products 401k Rollovers
Custom Plan Designs.