PRODUCTS - Property & Casualty/Life & Annuities
We offer a diverse suite of commercial, residential, and personal insurance policies to protect against the risks or perils that can cause irreparable damage to your business, home, or personal well-being. Let our experienced agents analyze and recommend the appropriate insurance for every aspect of your business, property or personal life.
High Risk Properties
Commercial & Residential Properties located near coastlines, inter-coastal waterways, harbors or flood plains require unique insurance to properly protect the physical property. We research the construction of the property, geographic locale, weather patterns, etc... to make sure if a disaster should occur every policy will adequately protect its owner and or business.
Business & Employee
Discuss your concerns with your agent who can recommend an all-risk policy or peril specific policy, which includes fire, flood, crime and business interruption. Other types of policies include workers' compensation, which covers your employees when those inevitable accidents do occur in the workplace and product liability that insulates your business if harm caused by your product or service happens to befall either your clients or consumers.
Liability & Umbrella
General liability protects against legal costs from accidents, injuries and claims of negligence, errors and omissions, or professional liability, offers coverage against malpractice, errors, and negligence in provision of services to your customers. An umbrella policy comes into play when an insured is liable to someone and their primary insurance policies pay up to their limits, and any additional amount is owed. The umbrella provides excess coverage in large lawsuits.
Marinas & Yachts
These properties present an array of potential pitfalls for the insurance industry. Since some people use their yachts as their primary residences and marinas as their primary addresses, the regulations and policy coverages are quite detailed in their scope.
Flood, Wind & Hail
Nature isn't predictable and when a natural weather disaster occurs having the proper policy in place can make a difference in recovery of your business or personal residence.
After all, its all about you, your life, home, and automobile. It doesn't get any more personal than that. We also offer personal policies for boats, recreational vehicles, renters, jewelry, personal watercraft, wedding, flood, motorcycles and motorscooters.