Auto Insurance

Automobile insurance is one of the most common of all insurances, and consequently, its importance is often overlooked in terms of making sure the appropriate coverage is in place. We’ll take the time to understand your situation before providing you with solutions. Cheap doesn’t usually mean good, but good doesn’t have to be expensive. Our approach is to obtain the right cover-age for the right price on your behalf.

Auto Insurance

Automobile insurance is one of the most common of all insurances, and consequently, its importance is often overlooked in terms of making sure the appropriate coverage is in place. We’ll take the time to understand your situation before providing you with solutions. Cheap doesn’t usually mean good, but good doesn’t have to be expensive. Our approach is to obtain the right cover-age for the right price on your behalf.

Boat Insurance

Often categorized as marine craft, you’d really miss your boat if something happened and you couldn’t use it for a whole season. And let’s face it, there are some inherent risks in water travel. There is insurance available to protect you from the financial impact of on-water accidents, and we’re just the agency to find you the right coverage.

Homeowners Insurance

It’s true – you can’t borrow for a house without having insurance in place. But that’s not the most important reason for homeowners insurance. Security for your family, peace of mind for you and your spouse, and safeguarding what you value are all more important reasons to have homeowners insurance. There is much to consider when it comes to homeowners insurance, and we will guide you through the process of making sure you have the right coverage. Protect what is yours.

Life Insurance

Life is complicated… and so is Life Insurance. Here, we work hard to explain the options and help you develop a coverage strategy that is right for you and your loved ones. Let’s discuss your needs today.

Motorcycle Insurance

Ride a bike? You’re probably passionate about it if you do. Can you imagine if you couldn’t ride it because your neighbor backed into it and HE wasn’t insured? Let us help you protect yourself against uninsured drivers and other potential hazards to bikers. Then you can get back on the road.

Personal Insurance

Most people have more valuable possessions than they realize. Items like jewelry, cameras, sporting equipment, musical instruments, computer equipment and other collectibles add up quickly. A personal insurance policy can provide the additional coverage needed to ensure your possessions are protected. Let us tailor insurance coverage for you.

Renters Insurance

Rental insurance covers the property in your rental house or apartment. It can also provide liability coverage if you accidentally injure someone or damage their property. In many cases, coverage can be arranged for less than a dollar a day.

RV Insurance

We offer coverage for all of your recreational vehicle needs, campers, boats, trailers, and more. Let us design the coverage, and you take care of the fun.

Umbrella Insurance

There are times (and reasons) that homeowners and automobile policies simply will not provide adequate coverage for the policyholder. In those situations, an Umbrella Policy can go a long way toward providing the additional coverage needed to protect your assets (and your income). We’ll gladly provide an analysis of your situation to determine if an umbrella policy is right for you (and if it is, you definitely should obtain one).

Worker’s Compensation Insurance

Workers’ compensation insurance provides medical and wage benefits to people who are injured at work. The coverage is mandated by each state and the wage and medical benefits vary by state. Workers’ compensation is considered a social insurance because it relies on a social contract between management and labor, wherein exchange for purchasing workers’ compensation insurance, business owners are protected from civil suits from their workers who become injured on the job. 

General Liability Insurance

A general liability insurance policy — also known as business liability insurance — protects businesses from claims that result from normal business operations. Business liability insurance policy for protection from bodily injuries, medical payments, advertising injuries, and more.

Business Owners Insurance

If you own a small business, a Business Owner’s Policy, or BOP, protects you from liability claims and lawsuits; safeguards your buildings, equipment and inventory; and covers you financially if your business unexpectedly shuts down from a covered loss.

Professional Liability (Errors and Ommissions/E&O)

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 which helps protect professional advice- and service-providing individuals and companies from bearing the full cost of defending against a negligence claim made by a client, and damages awarded in such a civil lawsuit. The coverage focuses on alleged failure to perform on the part of, financial loss caused by, and error or omission in the service or product sold by the policyholder. These are causes for legal action that would not be covered by a more general liability insurance policy which addresses more direct forms of harm. Professional liability insurance may take on different forms and names depending on the profession, especially medical and legal, and is sometimes required under contract by other businesses that are the beneficiaries of the advice or service.

Builder’s Risk

Builder’s risk insurance, also known as course of construction insurance, is a specialized type of property insurance that helps protect buildings under construction. It’s essential in helping protect construction projects. 

Commercial Auto Insurance

Commercial auto insurance is a business insurance policy that applies to autos owned by or used in your business that protects your business against liability for damages caused by accidents involving your business autos and provides certain compensation to occupants of your business autos injured in accidents.

Vacant Property Insurance

Whether you’re waiting for a home to sell, looking for the right tenant or doing renovations, owning a vacant property comes with special risks. Let us help you find the right coverage for your property.

Bond Insurance

Bond insurance, also known as “financial guaranty insurance”, is a type of insurance whereby an insurance company guarantees scheduled payments of interest and principal on a bond or other security in the event of a payment default by the issuer of the bond or security.