BUSINESS

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Business insurance coverage protects businesses from losses due to events that may occur during the normal course of business. There are many types of insurance for businesses including coverage for property damage, legal liability and employee-related risks. If you are a business owner, please evaluate your insurance needs based on potential risks, which can vary depending on the type of environment in which your business operates.

Modern Office Building

BOATS

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Watercraft insurance, also known as boat and personal watercraft insurance, often includes towing and wreckage removal, as well as fuel spill indemnification. This type of insurance may be purchased for sailboats, house boats, and pontoon boats, as well as other watercraft up to a certain size and value. Watercraft insurance coverage and the types of coverage available usually vary according to the type of watercraft being insured. Different types of watercrafts carry different risks. For example, a sailboat compared to a pontoon boat are classified as different types of watercraft. Watercraft insurance does not provide liability coverage for injuries caused by the operation of the boat or watercraft.  In some cases, an individual’s homeowner’s policy may provide coverage for personal watercraft. If the watercraft is too expensive it may exceed the limits of the homeowners’ policy, but may fall under the limits of a watercraft insurance policy. These policies will still limit coverage to certain types of vehicles, often based on the length of the boat and the boat’s value.

Sailboat Top View

Commercial Trucking

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We offer Commercial Trucking coverage through the #1 TRUCK insurer in the country. Whether someone drives a tractor trailer, box truck, flatbed, or anything in between, we offer specialized truck insurance coverages that are designed to help professional truckers protect their interest and business investments.  

Moving Truck

HOME

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A standard homeowner’s policy typically covers many types of unfortunate and unexpected events, such as fire and smoke, lightning, wind, hail, frozen plumbing, theft,

explosion, vandalism, falling objects, and water damage from plumbing, furnace, air conditioner, or water heater. Homeowners Insurance will also cover the increased living expenses (Temporary Housing) for a covered loss if your home is uninhabitable.

Modern Bathtub

LIFE

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The purpose of life insurance is to provide financial protection to surviving dependents after the death of an insured family member.  Life insurance is a contract between an insurer and a policyholder in which the insurer guarantees payment of a death benefit to the named beneficiaries upon the death of the insured. The insurance company promises a death benefit in consideration of the payment of premium by the insured.  If your family depends on your income “YOU NEED LIFE INSURANCE”.  Call my office today for a free quote.

Young Man Cooking

MOTORCYCLE

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Motorcycle insurance covers you and/or the cost of your motorcycle in the event of an accident or theft. However, you may NOT know that motorcycle insurance is also required by state law — EVEN IF YOU HAVE INSURANCE FOR YOUR CAR!  We offer coverage through the #1 MOTORCYCLE insurer in the country.

Black Motorcycle

Personal Auto

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State minimum liability limits for cars, trucks, and vans are required by law for personal automobile policies.  It is to provide financial protection against physical damage or bodily injury resulting from traffic collisions or accidents which you are legally responsible. Policy terms are usually written in timeframes from six (6) to twelve (12) months with renewable options available.  We offer flexible priced policies that allow our clients to maximize coverage amounts to suit their exact needs and financial budget(s).  

Carefree Drive

RENTERS

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Your landlord's policy will not cover your personal property.  Renters Insurance provides coverage for your person items. A renter’s policy will help you repair or replace your possessions, if they are damaged by a covered peril such as theft, fire, smoke, or flood.  Renters insurance will also cover the increased living expenses for a covered loss if your rental home is uninhabitable.

Wooden Staircase

SPECIAL EVENT

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If you are having a public event which includes weddings or festival, you need the financial protection of Special Event Insurance. The Event Liability Insurance is designed to protect the policyholder against lawsuits, claims made related to bodily injury of others, and property damage related to rented space. We offer incredible rates for Special Event Liability Insurance which satisfies the requirements of most rental locations.

Sparkling Wine At A Special Event

WORKERS COMPENSATION

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Workers' Compensation is a form of insurance providing wage replacement and medical benefits to employees injured in the course of employment in exchange for mandatory relinquishment of the employee's right to sue their employer for the tort of negligence.

Worker with Blue Helmet