Commercial Lines

Products

Commercial Lines

Business Owner Policy
For small and medium size businesses this policy combines coverage for property, loss of use and liability at premium rates for certain businesses.
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Auto Package
This combines a personal auto and home owners policy.
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Tow Truck
Coverage designed to protect your towing operation in the event of an accident, theft, injury. Other coverage includes garage keepers, on-hook, and business liability.
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General Liability
Many classes including Accountants, Engineers, Consultants, Insurance Agents, Lawyers, Financial Institutions, Medical Malpractice.
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Monoline Workers Compensation
An assortment of binding authority markets with a broad range of classifications.
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Excess Workers Compensation
Excess policies, large deductible and self insured programs tailored to the client’s needs.
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Liquor Liability
Limits up to $2,000,000 CSL available.
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Umbrella & Excess
Lead Umbrella and Excess. High limits & layers.
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Products Liability
Numerous classes-Industrial Machinery, Sporting Equipment, etc.
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Commercial Fire
One of the most common types of business insurance is commercial property insurance, which provides a wide range of coverage for buildings, inventory, equipment, tools and more. Losses from fire, break-in, vandalism, wind and other natural or manmade disasters are examples of what is typically covered. A basic commercial property insurance policy may be all you need, although the types of coverage can vary between different insurance companies.

Commercial fire insurance helps to protect against expenses caused by commercial property damage from the following perils:

  • Fire
  • Lightning
  • Wind or hail
  • Explosions
  • Smoke
  • Riot or civil commotion
  • Damage by aircraft
  • Damage by vehicles
  • Sinkhole collapse
  • Volcanic action
  • Vandalism
  • Sprinkler leakage
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Industry Focus

Apartment Buildings
Artisan Contractors
Auto Dealerships
Auto Parts
Body Shops
Business Auto
Cargo
Churches
Day Care Centers
Farm
Fast Food Restaurants
For-Hire Truck
Garage
Janitorial
Machine Shops
Manufacturers
Manufacturers Rep
Messenger Service
Municipalities
Not For Profit Organizations
Physical Damage
Pressure Cleaning
Primary Liability
Printer
Pubic Auto
Roofers
Schools
Security Guard Firms
Shopping Centers
Special Events
Taverns
Trucking
Vacant Buildings

Personal Lines

Personal Lines

Auto

Preferred Auto
Multiple carriers and coverages. Good student discounts and safe driver discounts available. Antique & Collector coverage.
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Non-Standard Auto
Preferred carriers for SR-22s, lapsed coverages, and prior cancellations. High limits.
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AAA Motorclub
The AAA Motorclub membership provides you protection for when something happens with your vehicle. For example, a AAA Membership can provide you with the following services: Towing, Tire Change, Jump Starts, Fuel Delivery and lock out service to name a few.
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Homeowners

High Value Home
All Risk, water backup to policy limits, personal article experts.
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Monoline H0-3
No credit scoring, preferred carriers.
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H0-8 and Dwelling
Vacant homes, low market value, multiple claim issues.
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H0-3 Non-Standard
Hard to place risks with multiple losses, available coverage for replacement cost on contents, water backup, and builders risk.
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Condominium Insurance
As a condo owner, you receive some level of insurance coverage through the condominium complex’s master policy, which covers damage to the building’s common areas and liability claims for accidents that occur in those areas. But there can be significant variations in what master policies cover from one complex to the next. To make sure you insure your unit and your possessions properly, you need to understand what a master policy usually covers, what it sometimes covers and what it usually doesn’t cover. You also need to review your condo association’s master policy to find out exactly what it covers. If you’re having trouble making sense of it, a condo-insurance we can help you. Once you understand what you’re responsible for and what you aren’t, you can purchase a condo unit-owner's policy to fill in the gaps.
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Renters Insurance
Homeowners aren't the only ones who need insurance. No matter where you live, having insurance protection helps you keep your finances intact by avoiding losses from theft, fire or other events that damage or destroy your personal property. And if you cause an accident that damages the apartment or condo itself, insurance can provide you with important protection in those cases, too.

Your renters policy covers your personal property against theft or damage subject to the limits and deductibles you select. The coverage applies even when you are away from home.

For a small additional premium, you can choose to carry full value coverage on your personal property, which ensures that you will be paid the full replacement cost of items that are damaged or stolen without deduction for depreciation.
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Mobile Home
Protection for your mobile home and your possessions can be covered under Mobile Home Insurance

Coverage for Your Home
Coverage can be written for mobile homes, motor homes, travel trailers and luxury motor coaches. Coverage is for direct, sudden and accidental physical losses that aren’t specifically excluded, for instance:

  • Fire
  • Vandalism
  • Falling objects
  • Explosion
  • Burglary or robbery
  • Water damage from burst pipes
  • Collapse from weight of ice and snow

Some insurers offer additional living expenses, debris removal, emergency removal service and emergency repairs after a loss and food spoilage coverage.

Optional Coverages to Customize your Policy

  • Trip coverage for moving your home
  • Scheduled Personal Property
  • Earthquake Coverage
  • Replacement cost coverage for your mobile home, other structures and personal possessions.
Liability Coverage

An important part of any policy, liability covers you and household members if you’re found responsible for bodily injury or property damage to someone who doesn’t live in your home
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Dwelling Fire
A dwelling fire insurance policy is purchased by a homeowner who needs protection against certain perils (losses) but does not need comprehensive homeowner’s insurance coverage. A dwelling policy covers the structure of a building. The policy is ideal for a vacant home or for homes that are rented out.

A dwelling fire policy protects the structure of a home against the “named perils” listed in an insurance policy. Despite its title, the policy covers more than just fires. Other losses covered include but are not limited to wind, hail, lightning or vandalism. Because the policy exists to protect the structure only, personal property within the home such as electronics, clothes or appliances are excluded from coverage.
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Specialty

Umbrella
Following form, excess liability.
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Boat
Coverage available in homeowner’s package or monoline. High value boats and Yachts.
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Jetski/Waverunner Insurance
Coverage for your Personal watercraft
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Short Term Medical Insurance
Short Term Medical coverage provides you with the temporary coverage needed to prevent an unexpected threat to your health from becoming a financially-crippling incident as well.
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Flood Insurance
Easy issue monoline policy.
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Recreational Vehicle Insurance
RV’s, travel trailers, motor homes, ATV’s.
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Motocycle Insurance
Markets in custom & sport bikes. Replacement cost available.
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Snowmobile Insurance
High Performance.
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Individual Products

Individual Products

Health
Health plans ranging from any doctor/any hospital to traditional PPO or HSA.
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Dental
Included in some health plans. Also available as a separate coverage.
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Life
Simple issue life up to $25,000. No physical exam or medical records required. Valuable protection for any age (0-85).
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Disability
Coverage for many hard to place occupations. Short waiting periods paid for up to 5 years.
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H0-8 and Dwelling
Vacant homes, low market value, multiple claim issues.
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Vision
Best provider networks available.
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Cancer Benefit
Cash benefits paid in lump sum; monies paid upon first diagnosis; benefits can be used for direct or indirect costs.
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Short Term Medical Insurance
Short Term Medical coverage provides you with the temporary coverage needed to prevent an unexpected threat to your health from becoming a financially-crippling incident as well.
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Prescription Drugs
Most of our health plans automatically include a drug discount card. We also offer optional prescription drug co-pay cards on many of our plan offerings.
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Flood
Easy issue moonlike policy.
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Recreational Vehicle
RV’s, travel trailers, motor homes, ATV’s.
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Motocycle
Markets in custom & sport bikes. Replacement cost available.
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Snowmobile
High Performance.
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Who uses our individual health products?
  • Self-Employed
  • Recent College Grad
  • Between Jobs
  • Taking Early Retirement
  • Not Covered by Group Insurance
What do all our plans have in common?
  • Easy to Understand
  • Claims Processed Quickly
  • Personalized Customer Service
  • Experienced Agents

Group Health & Benefits

Group Health & Benefitsl

Group Products

Health
Traditional PPO/HMO plans offered, as well as HSA & HRA plans. Employer sponsored or voluntary plans. Valuable protection for any age (0-85).
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Dental
Employee Sponsored or Voluntary.
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Life
Employee Sponsored or Voluntary.
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Disability
Employee Sponsored or Voluntary.
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Vision
Employee Sponsored or Voluntary.
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Key Man Life Insurance
Employee Sponsored or Voluntary. Creative and flexible plan designs.
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Buy & Sell Life Insurance
Employee Sponsored or Voluntary. Creative and flexible plan designs.
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401k Rollovers
Custom Plan Designs.
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Need a Group Health Plan?

We give a detailed comparison of:
  • Current Plan vs. Optional Plans
  • Current Carrier vs. Competition
  • Competitive Cost vs. Benefit Analysis
We also offer:
  • Experienced Producer Staff
  • Ongoing Communication Throughout Policy Year
  • Knowledgable & Bilingual Customer Service