BUSINESS INSURANCE	HOME INSURANCE	AUTO INSURANCE	LIFE INSURANCE

We too understand what it takes to run a successful business. In these hard economic times we’ve found many business owners skimping on their insurance to make ends meet. Being an independent agency we represent several carriers and are able to shop the rate and get you the best coverage and premiums available. Don’t leave your most valuable assets un- protected. Please contact one of our Commercial Insurance Specialists today so we can do a review of your particular needs.

Coverage Types:

Business Owners Policy	Property Insurance	General Liability Insurance
Excess Liability /Commercial Umbrella	Workers Compensation	Commercial Automobile
Fleet Commercial Automobile	Directors & Officers Liability	Professional Liability
Errors & Omissions	Garage Keepers	Pollution Liability
Marine Liability	Boilers & Machinery	Crime
Hull & Cargo	Inland Marine	Special Event

Hot List:

Contractors	Restaurants
Roofers	Retail
HVAC	Technology
Plumbers	Wholesalers
Electricians	Garage & Auto Body Repair
Homeowner Associations	Hotel
Apartment	Manufactures
Condominium	Religious
Office

Homeowners Insurance is about protecting yourself financially if something unexpected happens to your home or possessions.  That’s important since your home is usually one of your largest investments. 
Weather you’re a home or condo owner, landlord or renter; you want protection for your assets, yourself and your guests.  The replacement value of your home, safety features, its age, and the value of your belongings should all be considered with determining your homeowner insurance needs.  

Basic coverage in a home insurance policy:

• Your home and other buildings on your property
• The contents of your home
• Additional living expenses if you have to move out during certain repairs
• Liability protection for you and your household, protecting you if someone is accidentally injured or their property is damaged.

Optional coverage:

• Additional Replacement Cost Coverage that pays up to 125% of your policy limits
• Replacement Cost Contents Coverage that pays for contents in your home, regardless of depreciations
• Identity Theft Protection that pays for expenses incurred to regain your identity.  Includes identity restoration services.
• Water Sewer Backup pays a minimum of $5,000 if water backs up through a sewer or drain, or overflows from a sump pump.

If you need additional liability coverage ask about an Umbrella policy which will extend coverage to both your home and auto insurance policy.

Auto insurance helps to protect you and your family against financial loss in the event of an accident or other cause of loss.  It covers injuries and damages caused by an accident which you are at fault or legally responsible.  The better we know you the more we can do for you.  We work hard to keep your protection in-synch with your life.  You may qualify for extra savings if:

• You have a safe driving record
• You drive a safe car
• You insure both your home and auto with the same carrier
• You’re a good student

We offer a wide variety of coverage, limit and deductible choices. 

• Repair or replacement collision coverage option
• Diminishing deductible
• Full glass replacement
• Auto loan & lease protection
• Traditional split limit policy or more flexible combined single limit policy
• Extended transportation expense coverage and coverage for towing and labor costs
• Guaranteed lifetime repairs if you choose to have repairs performed by an approved shop.

If you need additional liability coverage ask about an Umbrella policy which will extend coverage to both your home and auto insurance policy.

If you have people who depend on you, having life insurance is critical.  No one is comfortable at the thought of his or her own death, but it's something that you have to plan for if you have loved ones who depend on you.  If you were to die, would you be 100% certain your family's financial security would be maintained?  Would your children be able to attend college?  Could your spouse retire in comfort?  The right life insurance policy can help you answer all of these questions confidently and with peace of mind.   With Your Insurance Agency you will find competitive life insurance rates from some of the best insurers in the business.

Types of Life Insurance we offer:

Term Life – Life Insurance that provides coverage at a fixed rate of payments for a limited period of time payable on death.  Usually a 20 or 30 term.

Whole Life – Life Insurance policy that remains in force for the insured’s whole life payable on death.   The policy is a combination of term with an investment component.  This policy builds cash value that you can borrow against.

Riders Available on a Life Insurance Policy:

Waiver of Premium Rider If you become disable or seriously ill for a minimum of 6 months and cannot pay your premiums, your premium will be waived for as long as you are disabled.

Accidental Death Benefit Rider – This rider pays double the base policy amount if you should pass accidentally.

Child Rider – This will cover any dependent in the household who is over 15 days old and under the age of 23.  If the covered child passes a benefit of at least $10,000 will be paid.