Capabilities

We work with business owners to protect themselves and their business from the risks of daily operations in today’s environment.

People are more litigious than ever before, and lawsuits can destroy both your present and your future if your coverage isn’t sufficient. Effective business insurance protects employees, customers, and the business itself from more than accidents, injury, and disaster. The right coverage depends on your industry, size, number of employees and location.

Our Business Insurance Agents use our 360° Review process to help assess exposures and offer coverage in any of the following areas:

• Business liability
• General liability
• Professional liability
• Errors and omissions
• Malpractice
• Property
• Employment practices liability insurance
• Cyber liability
• Pollution liability
• Abuse and molestation
• Crime
• Commercial auto
• Hired and non-owned auto
• Workers compensation
• Commercial Umbrella

Even under the safest working conditions, accidents can still happen. Workers Compensation Insurance helps protect you and your employees.

Workers compensation laws were created to protect employers and employees from the financial consequences of workplace injuries. Under the laws, employees who are injured on the job follow a mandated process that provides fixed monetary awards. This eliminates the need for expensive litigation and controls the financial risks for employers. Employers have a legal responsibility to their employees to make the workplace safe, but accidents can still happen.

Workers Compensation Insurance is designed to help companies pay these benefits. We can help you choose and maintain the plan for your business.

Workers Compensation Insurance:

• Is required in almost every state
• Is not health insurance
• Is designed specifically for injuries sustained on the job, work-related illnesses and auto accidents that occur while engaged in company business.
• Provides payments to injured workers, without regard to who was at fault in the accident, for time lost from work and for medical and rehabilitation services
• Provides death benefits to surviving spouses and dependents
• Must be bought as a separate policy, as business owners’ ‘package’ policies (BOPs) don’t include coverage for workers’ injuries
• Handles lost income benefits, medical and rehabilitation services, disputes and administration differently in each state

We can help you protect your assets while working within your budget.

Most of us have personal insurance because it’s required. If you have a mortgage, your bank likely requires you have homeowner’s insurance. If you want to drive your car legally, the government requires you have liability auto insurance. And if you rent, your landlord may require that you have liability renter’s insurance. The tougher question to answer is, do you have sufficient coverage limits to protect you?

Talk to an agent to assess your unique coverage needs today.

• Home insurance
• Auto insurance
• Renters insurance
• Umbrella policies

We know life insurance can be a tough conversation. We help you understand what you’re buying and help you make the choice you feel is right for you.

Life insurance is one of the most valuable tools we use to protect our clients, their families, and businesses. It’s a versatile tool. Did you know that today’s life insurance can do much more than provide a death benefit to your heirs? With the right life insurance product, you can save for college or retirement, and avoid crippling medical bills.

We can help evaluate your situations, discuss your goals, and design a life insurance package that can give you peace of mind about your present and future.

• Term life insurance
• Whole life insurance
• Universal life insurance
• Variable life insurance
• Simplified issue life insurance
• Guaranteed issue life insurance
• Final expense insurance