Home and Auto Insurance Update
Let’s face it, you buy home and auto insurance to protect you when and or if an accident happens. And when you have an accident, you want your personal insurance to respond. If it has been a while since you updated your personal insurance coverage, you may want to call us today.
When to Call Your Agent
When you buy or sell a car
If you started a home based business
If you are thinking about putting in a pool
When you purchased any high end jewelry, guns or other items
If your home replacement value has gone up
Did you get a company car?
If you have remolded any part of your home
When you install a security system in your home
If you get married or divorced
If your commute distance has changed
When your children go away to college
Having the right auto coverage is not as easy as it sounds, and choosing the wrong coverages and limits could lead to financial disaster. Our team is prepared to help you find the right combination of coverage, price and service.
The world is changing, and we understand the issues your business faces every day. There is constant competition for your customers, there are challenges in attracting and retaining top employees, and your cost of goods keeps going up. Part of your planning should include an annual commercial insurance review. Your business changes, and so do your exposures. Here are some of the major kinds of coverage found in most commercial insurance programs.
Commercial Insurance for Businesses
Liability Insurance– Covers your business against claims of negligence that resulted in loss or injury to a customer or visitor to your business.
Worker’s Compensation– Protects your business when an employee becomes injured on the job. It is required by law.
Commercial Auto– Covers against loss for your business vehicles and any liability your business incurs as a result of an accident.
Property– Insures against loss for your buildings and equipment.
Employment Liability– Covers your business and managers from claims of harassment, discrimination and other civil rights as afforded under state and federal laws.
Cyber Liability– Protects your liability interests when data or sensitive client information is stolen or accidentally lost by your business.
Professional Liability-Protects your business when a third party accuses your business of being negligent or making a mistake in providing professional services.
An Independent Agent Who Understands Commercial Insurance
When you purchase business insurance through an independent agent you are working with a licensed professional who specializes in the products and services you need. We have access to many insurance companies and know which ones are designed just for your business. Independent agents are local business owners who employee your neighbors to serve your needs.