Services

 Homeowners insurance protects your home and personal belongings against unexpected events like fire, theft, and natural disasters. It typically covers the structure of your home, personal property, liability for injuries on your property, and additional living expenses if you’re temporarily displaced. Homeowners insurance offers peace of mind by safeguarding one of your most valuable assets. 

Condo insurance provides coverage for your individual unit within a condominium complex. It typically protects the interior structure (like walls, floors, and fixtures), personal belongings, liability for injuries within your unit, and additional living expenses if needed. Condo insurance complements your condo association’s master policy, ensuring complete protection for your personal space and assets. 

Rental property insurance, also known as landlord insurance, is designed for property owners who rent out their homes, condos, or apartments. It provides coverage for the building structure, liability protection, and loss of rental income if the property becomes uninhabitable due to covered damages. This insurance helps landlords safeguard their investment and ensures financial security in managing rental properties. 

Personal Umbrella is a type of liability insurance that provides extra protection beyond the limits of your standard auto, home, or boat insurance policies. It’s designed to help cover substantial claims or lawsuits, protecting your assets and financial stability if you’re found liable for injuries, property damage, or other damages. This additional layer of coverage steps in after your other policy limits are reached, offering peace of mind in high-risk situations or unexpected incidents. 

Motorcycle Insurance protects riders by covering accident, theft, and damage costs. It includes liability for injuries and property damage, plus options for collision, comprehensive, medical, and uninsured motorist coverage, helping keep riders and assets secure on the road. 

Auto Insurance provides financial protection for drivers by covering costs related to accidents, theft, and damage to vehicles. It typically includes liability coverage for injuries and property damage, along with options for collision, comprehensive, and uninsured motorist coverage. Auto Insurance helps safeguard drivers from unexpected expenses, ensuring peace of mind on the road. 

Flood Insurance protects property owners from financial loss due to flood damage, which is typically not covered by standard home insurance policies. It covers damage to the structure and, in many cases, personal belongings within the home. Flood Insurance is essential for homes in flood-prone areas, helping owners recover and rebuild after flood events. 

Valuable Items Insurance provides additional coverage for high-value possessions such as jewelry, art, antiques, and collectibles, which may exceed the coverage limits of standard homeowners or renters insurance. This insurance protects these valuable items against risks like theft, damage, or loss, ensuring they are covered for their full appraised value. It's ideal for safeguarding treasured belongings with significant personal or financial value. 

RV Insurance provides specialized coverage for motorhomes, travel trailers, and campers. It includes liability, collision, and comprehensive coverage for accidents, theft, and damage, plus options like roadside assistance and vacation liability. This insurance protects RVs and occupants on the road and at campsites. 

 Commercial Property Insurance protects businesses from financial loss due to damage or destruction of their physical assets, including buildings, equipment, inventory, and furniture. It covers losses from events like fire, theft, vandalism, and some natural disasters. This insurance is essential for maintaining business continuity, helping companies recover and repair quickly after unexpected property damage. 

Commercial General Liability Insurance (CGL) protects businesses from financial losses due to claims of bodily injury, property damage, and personal or advertising injury that occur on business premises or from business operations. CGL covers legal fees, settlements, and medical expenses, helping businesses manage risks and maintain financial stability in the face of potential lawsuits. This essential coverage safeguards a company’s assets and reputation. 

Commercial Auto Insurance covers vehicles used for business purposes, protecting against accidents, theft, and liability. It typically includes liability coverage for bodily injury and property damage, as well as options for collision and comprehensive coverage. This insurance is essential for businesses that rely on vehicles for operations, ensuring financial protection for both the vehicles and the drivers while on the road. 

Workers' Compensation Insurance provides financial protection for employees who are injured or become ill due to job-related activities. It covers medical expenses, rehabilitation costs, and lost wages during recovery. This insurance also protects employers by limiting their liability in workplace injuries and ensuring compliance with legal requirements. Workers' Compensation fosters a safe work environment while supporting employees during challenging times. 

 A Business Owners Policy (BOP) is a comprehensive insurance package designed for small to medium-sized businesses. It combines essential coverages, such as general liability, property insurance, and business interruption insurance, into one policy. BOPs provide financial protection against risks like property damage, liability claims, and loss of income due to covered events. This streamlined approach helps businesses manage their insurance needs efficiently while ensuring adequate protection a

Professional Liability Insurance, or Errors and Omissions Insurance, protects professionals against claims of negligence, errors, or omissions in their services. Essential for fields like consulting, healthcare, legal, and finance, it covers legal defense costs and settlements from lawsuits, providing financial protection for professionals in their work. 

Commercial Umbrella Insurance provides businesses with extra liability coverage beyond their existing insurance policies, such as general liability or auto insurance. It protects assets by covering large claims that exceed standard policy limits, ensuring manageable expenses related to lawsuits or settlements. This coverage is especially beneficial for businesses facing significant risks, offering enhanced financial security against unforeseen liabilities. 

At our agency, each customer is assigned a Dedicated Account Manager for personalized service and support. This professional acts as a single point of contact, providing tailored insurance solutions and proactive communication. Their expertise fosters strong relationships, guiding clients through policy choices, claims processes, and addressing any questions or concerns. This approach ensures that each client receives the highest level of care throughout their insurance journey. 

Our insurance carriers provide 24/7 Claims Assistance, allowing customers to report claims and seek help anytime. Policyholders can access support via phone, online portals, or mobile apps, ensuring quick assistance during emergencies. With trained professionals available around the clock, customers receive timely guidance throughout the claims process, and ensuring smooth resolutions. This commitment to accessible support reflects our carriers' dedication to customer service and satisfaction.

Our Dedicated Account Managers assist with Billing Support, offering personalized help for questions or concerns related to insurance bills. They clarify billing statements, payment options, and assist with payment processing or changes to billing information. By providing guidance, Account Managers ensure clients understand their billing processes, helping to resolve issues promptly and maintaining clear communication throughout the billing cycle. This ensures a smooth billing experience.

Our account managers assist with policy changes and updates to ensure your coverage meets your evolving needs. Whether you need to add or remove coverage, update information, or adjust limits, your dedicated account manager will guide you through the process. They provide expert advice on the implications of changes and help you understand your options, ensuring you have the most appropriate coverage in place. With their personalized support.