We’ve Got Your Bases Covered
Auto insurance is meant to protect you if you cause injuries to others or damage their property in an auto accident. It can also provide protection if your car is damaged in an accident or is stolen.
Auto insurance typically provides four basic things—liability coverages (for injuries to others and damage to their property), coverage for damage to your car or cars, coverage for medical expenses and uninsured motorist coverages (for situations where someone without enough insurance injures you or a family member). There are a variety of coverage options available; they may vary by state and company.
A home policy offers a comprehensive package of protection against losses or damage to your house meaning the structure itself, and its contents caused by perils such as fire, windstorm,vandalism, and theft to name a few.and In addition to coverage to the house a homeowners policies usually contain additional types of coverage for separate structures, additional living expenses, personal liability and medical payments.
A dwelling policy is written to cover homes that are occupied by someone other than the owner, such as a tenant. A landlord package typically includes a dwelling policy and liability coverage. A dwelling policy usually includes coverage for liability, loss of rent, medical payments, and sometimes contents.
Life insurance protects against the loss of income that would result if the insured passed away. More simply stated, it insures what can’t be replaced after death. The named beneficiary receives the proceeds and is thereby safeguarded from the financial impact of the death of the insured.The goal of life insurance is to provide a measure of financial security to loved ones left behind after the insured death. There are many different types of life insurance policies that can fulfill specific needs for each situation.
An umbrella is extra liability insurance coverage that goes beyond the limits of the insured's home, auto or watercraft insurance. It provides an additional layer of security to those who are at risk for being sued for damages to other people's property or injuries caused to others in an accident. It also protects against libel, vandalism, slander, and invasion of privacy. An umbrella insurance policy is very helpful when the insurance owner is sued and the dollar limit of the original policy has been exhausted.
Business general liability insurance protects a company’s assets and pays for obligations, like medical costs incurred if someone gets hurt on your property or when there are property damages or injuries caused by businesses employees. Liability insurance also covers the cost of legal defense and any settlement or award if a business is successfully sued.
General liability insurance can be purchased on its own, but it can also be included as part of a Business Owner’s Policy (BOP) which bundles liability and property insurance into one policy.
A commercial automobile policy provides coverage for legal liability for others' bodily injury or property damage arising out of the use of your business automobiles. Physical damage coverage protects your vehicles in case of accident or damage caused by fire, hail, and other risks. You can designate coverage for owned vehicles as well as leased, hired and/or borrowed vehicles. More coverage options are also available.
Business Owner’s Policy
Business Owner's Policy (BOP) is used for most small businesses because of its lower cost and flexibility. It combines both property and liability insurance and will protect a business from property damage, suspended operations, or lawsuits resulting from bodily injury or property damage to others.
Please contact the agency if you have questions about other these or any other types of insurance.