Motor Vehicle

• Auto Insurance
  Get an auto insurance quote from our agency and you may save thousands of dollars a year. It only takes a few minutes to find out how much we can save you!
• Motorcycle Insurance
• Boat Insurance
• RV Insurance
• ATV Insurance

Property

• Renters Insurance
  The cost of renters insurance and the amount of personal property coverage you need depends on how much your property is worth.
• Home Insurance
  Home insurance, also commonly called hazard insurance or homeowner's insurance (and often abbreviated in the US real estate industry as HO1), is a type of property insurance that covers a private residence.
• Condo Insurance
• Landlord Insurance

Health and Life

• Life Insurance
  Life Insurance is not complicated or expensive when you work with one of our licensed sales representatives. Let's explore options to protect your loved ones.
• Health Insurance
  Speaking of unique, Spenser is positioned to assist clients in multiple areas of their insurance planning that extend far beyond health insurance and employee benefits. He also works with and refers business to Commercial Risk Insurance and Thornburg Insurance Services who represent excellent property and casualty carriers who have access to competitive markets regarding all company size business insurance, commercial coverage, renters, landlords, boaters, motorcyclists, auto, home and umbrella coverage, in addition to specialty type insurance needs also.
• Disability Insurance
  Group Disability Insurance is a type of group insurance that provides regular income replacement payments to an insured member of the group in the event of an eligible disability resulting from illness or injury. Coverage is generally offered in two types: short-term disability (STD) or long-term disability (LTD). Supplemental Insurance
• Long Term Care
• Dental Insurance
• Vision Insurance

Business

• Business Insurance
  Having the proper business insurance coverage at an affordable rate can make the difference between the success and failure of your business. Allow our commercial insurance experts to help guide you to success.
• Commercial Property Insurance
  Covers cars, trucks, motorcycles, and other road vehicles owned by or operated within a business. Its primary use is to provide financial protection against physical damage and/or bodily injury resulting from traffic collisions and against liability that could also arise therefrom. Commercial auto insurance may also offer financial protection against theft of the vehicle and possibly damage to the vehicle, sustained from events other than traffic collisions. Commercial Property Insurance
• Workers Compensation Insurance
  A Business Owner's Package (often called a BOP) is an insurance policy that combines protection from all major property and liability risks in one package. It typically combines all the basic coverages required by a business owner into one bundle. It is usually sold at a premium that is less than the total cost of the individual coverages. Business Owners Policies usually target small and medium-sized businesses and typically contain business interruption insurance, which provides reimbursement for up to a year of lost revenue resulting from an insured property loss. Workers Compensation
• Commercial Liability Insurance
  Covers risk of loss to an organization’s buildings or personal property. Usually includes buildings, personal property of the insured business or business owner, personal property of others on site and in the insured’s possession. Coverage can be provided on an all risk or specific perils basis. Commercial Umbrella Insurance
• Professional Liability Insurance
  Professional liability insurance (PLI), also called professional indemnity insurance (PII) but more commonly known as errors & omissions (E&O) in the US, is a form of liability insurance that helps protect professional advice and service-providing companies from bearing the full cost of defending against a negligence claim made by a client, and damages awarded in such a civil lawsuit. Professional liability coverage sometimes also provides for the defense costs, including when legal action turns out to be groundless. Business Owner's Package

Personal

• Annuities
• Liability Insurance
  Please enter any other additional information we may need to know in order to provide you an accurate umbrella insurance quote.
• Travel Insurance
• Identity Theft Insurance
• Wedding Event Protection

Natural Disaster

• Flood Insurance
  Flood damage is typically excluded under standard homeowners and renters insurance policies. Flood coverage, however, is available in the form of a separate policy both from the National Flood Insurance Program (NFIP) and from a few private insurers. [18]
• Earthquake Insurance