- Auto Insurance
- Inland Marine Insurance
- Renters Insurance
- Home Insurance
- Life InsurancePermanent Life is like buying a house. Once you own it, there is a lot more you can do with it. The key difference between Permanent Life and other forms of life insurance is that you have the chance to build up a cash account on a tax deferred basis over time. The cash account can be used to pay future premiums, borrowed against in the form of a loan or taken in its entirety if you surrender the policy.
- Health InsuranceIf you get sick or have an accident health insurance will pay your hospital, laboratory, physician and prescription costs. Insurance companies in the health insurance business customarily pay the "reasonable and customary" costs associated with your accident or sickness. The charge above the reasonable and customary charge becomes your responsibility.
- Disability InsuranceWhile we know that everyone dies, we forget that at most ages you are more likely to become disabled. A major illness or disability could lead to very serious economic consequences. Disability insurance will pay you a monthly benefit for a certain period of time (2 years or 5 years or up to a certain age) if you become disabled due to a covered accident or sickness. These policies have a waiting period (an amount of time like 30, 60, 90 or 180 days) that must pass following the start of a disability before benefits will be paid. A good way to lower your cost for this coverage is to choose the longest waiting period before benefits are paid. When purchasing disability coverage, try to buy a policy that contains an 'own occupation' rider so that the benefits can be paid if you become disabled and can't perform any duties of your occupation for which you are qualified by training or experience.
- Long Term Care
- Dental InsuranceThe following is a general summary of the insurance coverages that you should consider. It is interpretive only and is not intended to replace or supersede any of the terms and/or conditions of the policies comprising the insurance program. In case of specific interpretation of coverages, you need to refer to the actual policies. Please contact us for a copy of the policy.
- Business Insurance
- Workers Compensation InsuranceWorkers' Compensation provides coverage required by state law for injuries to association employees and volunteers that occur on the job. Workers' Compensation laws incorporate four types of benefits: disability (loss of income), medical benefits, survivor (death) benefits, and rehabilitation benefits.
- Builders Risk Insurance
- Liability InsuranceComprehensive general liability insurance extends liability coverage to any location where association business is taking place, provides coverage for host liquor, hired and non owned auto.
- Flood InsuranceThe National Flood Insurance Program (NFIP) has made Flood Insurance coverage available for most of Homeowner's, Unit Owner's, and Renter's. A NFIP Flood Insurance policy can provide up to $250,000 of Dwelling coverage and $100,000 of Personal Property coverage in the event of a flood. Some individual carriers also offer their own flood programs with different and/or broader coverage's.