- Auto InsuranceThere are several things you should consider when purchasing automobile insurance that your independent agent will help you with. Here are a few...
- Boat InsuranceTypically sold as a package policy comprised of physical damage (hull), personal injury and liability coverages. Protects from the risks associated with owning and operating a watercraft.
- Inland Marine InsuranceCargo insurance is another name for inland marine insurance which covers loss to moving or moveable property and is an outgrowth of ocean marine insurance. Historically, ocean marine insurance held the transporter responsible for property loss before, during, and after the completion of the voyage. In the 1800’s, the non-ocean portion of the journey grew as cargoes were transferred to barge, etc., and the term “inland marine” was coined. Inland marine policies became known as “floaters” since the property to which coverage was originally extended was essentially “floating.”
- Renters InsuranceVery much like a homeowners policy without the property coverage since renters do not own the building they live in. Covers liability and personal effects such as furniture and clothing. Fine art, antiques and collectibles can be added to a renters policy just like for homeowners.
- Home InsuranceDirect damages due to earthquakes are not covered under the standard homeowners insurance policy. If you live in an area that is prone to earthquakes, you may want to consider adding an earthquake endorsement to your homeowners insurance policy. This endorsement will cover damages due to earthquakes, landslides, volcanic eruptions and other earth movements.
- Life InsuranceWhen the holder of a life insurance policy is terminally ill and needs the money for medical and living costs, they may request an accelerated death benefit. This pays the benefit of the life policy before death.
- Health InsuranceHealth 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.
- Disability InsuranceA catch all term for insurance that affords protection from an illness or injury which results in a loss of life, a loss of earnings or out of pocket expenses. Some examples of health insurance are disability insurance, medical insurance, dental insurance, etc.
- Dental Insurance
- Workers Compensation InsuranceA form of health insurance which pays a monthly or weekly income to you if you should become unable to work. In California, Hawaii, New Jersey, New York and Rhode Island it is an extention of their workers compensation coverage.
- Commercial Liability InsuranceYou may want to consider a Business Owners Package which combines your Liability, Property and other types of coverage into one comprehensive policy and which can help you save time and money on your total insurance program. And since we live in an age of million-dollar lawsuits, you may also want to add extra liability protection in the form of a Commercial Umbrella Policy. We can tell you more about these plans and if they make sense for you.
- Professional Liability InsuranceConsultants and companies providing advice and services of any kind have exposures that are not usually insured by a Commercial General Liability policy. Among the more common types of organizations that have professional exposure are accountants, lawyers, computer consulting firms, investment advisors, insurance agents, data processing service firms, publishers, third-party administrators, teachers and anyone providing consulting services. A variety of Professional Liability and Errors & Omissions Liability policies are designed to protect individuals and companies for claims alleging negligence in the providing of specialized services.
- Builders Risk InsuranceIndemnifies for loss of or damage to a building under construction. Insurance is normally written for a specified amount on the building and applies only in the course of construction. Coverage customarily includes fire and extended coverage and vandalism and malicious mischief. Builders risk coverage can be extended to a “special” form as well. The builders risk policy also may include coverage for items in transit to the construction site (up to a certain percentage of value) and items stored at the site.
- Liability InsuranceAssociated with excess and umbrella coverages. Refers to the limit of the primary policy and where the umbrella or excess coverage begins. Most excess and umbrella policies have a required underlying limit.