Insurance Products

One policy, one bill equals convenience and enhanced protection. We can combine your auto, home and other coverage in one comprehensive policy. We can start now with just your auto or home and 'package' the other coverage when your current policy expires.

• Get a Personal Auto Quote Request
• Get a Homeowner Quote Request
• Get Limit Guidelines from the Wizard
• Let the Wizard Estimate the Cost to Replace Your Possessions
• FAQs
• Glossary
• Articles and Checklists in Risk Alerts
• Request More Information
• Link to our Personal Package page

One little policy does a lot. A homeowner policy reimburses you for damage to your home from a variety of causes. If your home is totally destroyed or you cannot use it for a period of time, your homeowner policy will also cover that. The insurance extends to your home's contents and liability for damage to property of others or injury caused to someone by you or a family member. Your policy can be personalized to include greater levels of protection for important property, home office situations, liability for boat ownership and additions and alterations to your residence

• Get a quote for Homeowner, Condo Owner, Renters Insurance
• Get Limit Guidelines from the Wizard
• Let the Wizard Estimate the Cost to Replace Your Possessions
• FAQs
• Glossary
• Articles and Checklists in Risk Alerts
• Request More Information
• Link to our Homeowner, Condo Owner, Renters Insurance page

You need to protect yourself should your vehicle be damaged or stolen. Just as important, you need insurance for liability - property damage or injury to others caused by you and other household members as a result of operating a motor vehicle. Other policy features include medical payment reimbursement and reimbursement for injury caused to you by an uninsured or inadequately insured driver. There are many special situations where you may need to customize your policy; examples include installation of custom audio equipment, business use of your auto and teenage and guest drivers, to name a few.

• Get a quote for Personal Auto Insurance
• Get Limit Guidelines from the Wizard
• FAQs
• Glossary
• Articles and Checklists in Risk Alerts
• Request More Information
• Link to our Personal Auto Insurance page

Insurance is not required for your ATV but there are several situations where liability protection you have under other policies may not apply. Some states require insurance for ATVs operated on state-owned land and your homeowner policy may not protect you if you ride off your property. ATV Insurance can fill in these gaps and will reimburse you if your ATV is stolen or badly damaged. ATV Insurance includes Liability, Medical Payments, Comprehensive and Collision coverage, much like an Auto Insurance Policy.

• Get a quote for ATV Insurance
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• Glossary
• Articles and Checklists in Risk Alerts
• Request More Information
• Link to our ATV Insurance page

One policy includes protection against loss to your boat, motors, trailers and equipment and liability for property damage or physical injury to others caused by you or other boat operators.

• Get a quote for Boat Insurance
• Get Limit Guidelines from the Wizard
• FAQs
• Glossary
• Articles and Checklists in Risk Alerts
• Request More Information
• Link to our Boat Insurance page

More and more people are working from home or starting home-based businesses. A standard homeowner policy affords limited protection for property and liability risks arising from home business pursuits. We have a range of options and can pick the one that's right for your business no matter how small, new or established.

• Get a quote for Home Business
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• Articles and Checklists in Risk Alerts
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• Link to our Home Business page

Sometimes the coverage limits in our automobile and homeowner policies are not enough. Litigation today results in more and more jury awards for hundreds of thousands or millions of dollars. An umbrella provides extra protection of $1 million or more.

• Get a quote for Personal Umbrella
• Get Limit Guidelines from the Wizard
• FAQs
• Glossary
• Articles and Checklists in Risk Alerts
• Request More Information
• Link to our Personal Umbrella page

Your RV may be a motor home, travel trailer, fifth wheel or a camper. It's not a house and it's not a car and it needs special insurance protection so you can travel safely. We have products specially designed for the RV lifestyle.

• Get a quote for Recreational Vehicle Insurance
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• Glossary
• Articles and Checklists in Risk Alerts
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• Link to our Recreational Vehicle Insurance page

Many of us have possessions that are not adequately protected by a standard homeowner policy. Examples include jewelry, antiques, oriental carpets, art work, sports equipment, collectibles and firearms. Scheduling important possessions gives you adequate levels of protection, coverage against broader causes of loss and no deductible.

• Get a quote for Scheduled Personal Property
• Let the Wizard Estimate the Cost to Replace Your Possessions
• FAQs
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• Articles and Checklists in Risk Alerts
• Request More Information
• Link to our Scheduled Personal Property page

Maybe your business owns vehicles or maybe you rent or lease them. Maybe you or your employees use personal vehicles to conduct business. If so, you need Business Auto Insurance. A Business Auto Insurance Policy protects your business against injury to others and damage to property as a result of business use of vehicles.

• Get a quote for Business Auto Insurance
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• Glossary
• Articles and Checklists in Risk Alerts
• Request More Information
• Link to our Business Auto Insurance page

Think of it as homeowner insurance for your business. This type of policy is appropriate for many small and medium sized businesses. It conveniently includes many types of coverage like liability, building, business property and loss of income.

• Get a quote for Business Owners Policy
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• Glossary
• Articles and Checklists in Risk Alerts
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• Link to our Business Owners Policy page

Your business faces exposure to loss from legal liability from a number of sources. The CGL provides broad protection from risks arising from your premises and operations, independent contractors and product liability, to name a few.

• Get a quote for Commercial General Liability
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• Articles and Checklists in Risk Alerts
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• Link to our Commercial General Liability page

A Commercial Package is a type of business package policy that bundles coverage together for several things including liability, property, boiler and machinery, crime and other optional coverage. The options available create flexibility that allow a Package to be customized for most kinds of business.

• Get a quote for Commercial Package Policy
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• Articles and Checklists in Risk Alerts
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• Link to our Commercial Package Policy page

This type of policy provides protection from loss, due to a variety of perils, to all kinds of business property including: building structures, furniture, inventory, equipment, and supplies, money and securities and business records. If you have a larger or more complex business you may need the flexibility of insuring your business property through a Commercial Property Policy.

• Get a quote for Commercial Property Insurance
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• Glossary
• Articles and Checklists in Risk Alerts
• Request More Information
• Link to our Commercial Property Insurance page

There are several types of Surety Bonds for contractors: Bid Bonds, Performance Bonds, Payment Bonds, License Bonds and Supply Bonds are a few. In general, surety bonds assure a project owner that they can rely on contractor performance, ability to make payments to certain other parties (sub-contractors, e.g.), good faith bid submissions and so on. The issuer of sureties, usually an insurance company subsidiary, investigates the abilities of a contractor and, in the event of a valid claim, will make reimbursement for non-performance according to the terms of the surety.

Information Needed for General Agreement of Indemnity:

1. Federal ID Number of each corporation
2. Full Name and Social Security Number of each stockholder and their spouses
3. Home Address of each stockholder and their spouses
4. Legal Name and Address of Corporation.
5. For Bid Bond Purposes - State(s) of Incorporation

• Get a quote for Contractors Bonds (Contractors Surety Bonds)
• Request More Information
• Link to our Contractors Bonds (Contractors Surety Bonds) page

This kind of insurance provides insurance against liability for, as the name implies, employment practices. Protection, which will vary from policy to policy, covers a broad range of claims or lawsuits that might be brought by current or former employees or employment candidates. Just a few examples include sexual harassment, wrongful termination or discipline, wrongful failure to promote or hire, emotional distress, discrimination and invasion of privacy. Recent growth in employment practice litigation makes review of employment practices and insurance protection a necessity for most businesses today.

• Get a quote for Employment Practices Liability Insurance (EPLI)
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• Glossary
• Articles and Checklists in Risk Alerts
• Request More Information
• Link to our Employment Practices Liability Insurance (EPLI) page

Insurance for a variety of property in land transit as well as instrumentalities of transportation such as bridges or tunnels would seem to fit the name, Inland Marine Insurance, and this kind of property is in fact insured by this class of insurance. But the policies in this category also provide coverage for property under construction, construction equipment, scheduled property like jewelry, furs, tools and more that move about or fluctuate in value as well as instrumentalities of communication like broadcast towers.

• Get a quote for Inland Marine Insurance
• FAQs
• Glossary
• Articles and Checklists in Risk Alerts
• Request More Information
• Link to our Inland Marine Insurance page

A wide variety of 'ocean' risks can be protected by this policy form. Both inland and ocean going vessels and their cargo can be covered under Ocean Marine Insurance. Working boats and ships as well as pleasure craft and even offshore oil rigs fall under this category of protection. Coverage extends to vessels themselves as well as cargo and liability and can be purchased not only by the vessel or cargo owner but often by anyone with an interest in or responsibility for insurable property.

• Get a quote for Ocean Marine Insurance
• FAQs
• Glossary
• Articles and Checklists in Risk Alerts
• Request More Information
• Link to our Ocean Marine Insurance page

Any professional in any field is expected to possess skills and knowledge resulting from specialized training and experience. When a client or customer believes you have not conducted yourself according the standards of your profession or that you have been negligent in some way you can be sued. Standard business liability policies do not cover these situations. To supplement general liability protection you may need a specialty coverage known as Professional Liability Insurance or sometimes Errors and Omissions Insurance.

• Get a quote for Professional Liability Insurance
• FAQs
• Glossary
• Articles and Checklists in Risk Alerts
• Request More Information
• Link to our Professional Liability Insurance page

This type of insurance pays for medical and rehabilitation expenses for workers injured on the job. Lost wages are also covered. Each state governs the compensation details, including the amounts paid. This is often a mandatory type of insurance.

• Get a quote for Workers' Compensation Insurance
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• Glossary
• Articles and Checklists in Risk Alerts
• Request More Information
• Link to our Workers' Compensation Insurance page

A study performed by the American Council of Life Insurers showed that a 35 year old is six times more likely to be disabled than die before they are 65. Disability policies can be tailored to supplement employer benefits, provide benefits to the self-insured, or to fund a business disability buy-sell agreement.

• Get a quote for Disability Insurance (Individual)
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• Glossary
• Articles and Checklists in Risk Alerts
• Request More Information
• Link to our Disability Insurance (Individual) page

Financial products for individuals and families including life insurance, annuities, disability insurance, mutual funds and IRAs.

• Get a quote for Financial Services
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• Articles and Checklists in Risk Alerts
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• Link to our Financial Services page

There are more health plans than ever before and increasingly plans are finding ways to balance important financial protection from medical care costs with premium. Budgeting. Let us know what your unique needs are and we will find a program to fit your protection requirements and budget.

• Get a quote for Health Insurance (Individual)
• FAQs
• Glossary
• Articles and Checklists in Risk Alerts
• Request More Information
• Link to our Health Insurance (Individual) page

Life insurance is an essential part of any financial program. A variety of policies and limits can be used to pay off a mortgage, cover future education expenses, fund a business buy-sell agreement and more. The type of policy and limits you need will depend on your financial goals.

Just as essential is disability insurance. A study performed by the American Council of Life Insurers showed that a 35 year old is six times more likely to be disabled than die before they are 65. Disability policies can be tailored to supplement employer benefits, provide benefits to the self-insured, or to fund a business disability buy-sell agreement.

• Get a quote for Life and Disability Insurance (Individual)
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• Articles and Checklists in Risk Alerts
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• Link to our Life and Disability Insurance (Individual) page

Life insurance is an essential part of any financial program. A variety of policies and limits can be used to pay off a mortgage, cover future education expenses, fund a business buy-sell agreement and more. The type of policy and limits you need will depend on your financial goals.

• Get a quote for Life Insurance (Individual)
• FAQs
• Glossary
• Articles and Checklists in Risk Alerts
• Request More Information
• Link to our Life Insurance (Individual) page

Life insurance is an essential part of any financial program. A variety of policies and limits can be used to pay off a mortgage, cover future education expenses, fund a business buy-sell agreement and more. The type of policy and limits you need will depend on your financial goals.

Just as essential is disability insurance. A study performed by the American Council of Life Insurers showed that a 35 year old is six times more likely to be disabled than die before they are 65. Disability policies can be tailored to supplement employer benefits, provide benefits to the self-insured, or to fund a business disability buy-sell agreement.

There are more health plans than ever before and increasingly plans are finding ways to balance important financial protection from medical care costs with premium. Budgeting. Let us know what your unique needs are and we will find a program to fit your protection requirements and budget.

• Get a quote for Life, Health and Disability (Individual)
• FAQs
• Glossary
• Articles and Checklists in Risk Alerts
• Request More Information
• Link to our Life, Health and Disability (Individual) page

America's population is aging and many of us may find our assets at risk as we struggle to pay the costs of daily living assistance during periods of serious illness or disability. These costs are not covered by traditional health policies or Medicare. For some, Long Term Care Insurance may be the best alternative.

• Get a quote for Long Term Care Insurance
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• Articles and Checklists in Risk Alerts
• Request More Information
• View Article: Understanding the Need for Long Term Care Insurance
• Link to our Long Term Care Insurance page

Short Term Medical Insurance removes the risk of potentially catastrophic financial loss due to unexpected illness or injury. Apply online and get protection as soon as the next day.

• FAQs
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• Articles and Checklists in Risk Alerts
• Request More Information
• Link to our Short Term Medical Insurance page

Comprehensive employee benefit plans for the business community including health insurance, disability insurance, long term care insurance, 401-K, dental insurance, life insurance, annuities, mutual funds, retirement plans, sec. 125.

• Get a quote for Employee Benefits
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• Link to our Employee Benefits page

Health insurance is an important benefit for your employees. Having the right plan can give your business a competitive advantage as part of your overall compensation program. In fact, many people who would otherwise be qualified to run their own businesses may work for yours because of access to your benefits program. Let us help you find the best program for you.

• Get a quote for Group Health Insurance
• FAQs
• Glossary
• Articles and Checklists in Risk Alerts
• Request More Information
• Link to our Group Health Insurance page