Life Insurance and Retirement
Life insurance is a crucial step in planning for your future and your family's future. It can fulfill promises and obligations to your family if you are no longer living. The death benefit is income-tax free and can be used to cover funeral expenses, repay debt, provide education, pay estate taxes or any other expenses your survivors may incur. Life insurance may also be used to help ensure that a family business will pass to your intended survivor. There are also benefits to certain types of life insurance plans during your lifetime.

Auto Insurance
To protect yourself from the danger of huge awards for auto liability, it is important that you maintain the proper level of coverage for your situation. If you have any doubts about the appropriate level of automobile coverage that's right for you, we have excellent plans available through auto insurers, and we will be happy to help pinpoint the coverages best suited to your needs.

  • Compulsory Auto Policy Coverage
  • Bodily Injury to Others
  • Personal Injury Protection
  • Bodily Injury Caused by Uninsured Auto
  • Damage to Someone Else's Property
  • Optional Coverages
  • Optional Bodily Injury to Others
  • Medical Payments
  • Collision
  • Comprehensive
  • Substitute Transportation
  • Towing and Labor
  • Bodily Injury Caused by an Underinsured Auto

Homeowners Insurance
The biggest investment most people will ever make is in their home. That's why it makes sense to protect the investment you've made in your own home with a comprehensive homeowners plan. Your home purchase is an investment deserving the protection that an experienced insurance professional can provide.

Basic Protection You Need For:

  • Your home
  • Other buildings or structures on your property
  • Your personal belongings - furniture, clothing, appliances, etc.
  • Additional living expenses
  • Your personal legal liability
  • Special features you can choose for additional security:
    • Home Replacement Guarantee
    • Replacement Cost on Contents
    • Additional Coverage Form

Commercial Insurance
We offer insurance packages that are tailored for different types of businesses. Whether it is insurance for your building, business property, equipment, inventory or company vehicles, we offer products and services to protect your business.

  • Property Insurance
  • Property Insurance covers the risk of property loss in a variety of situations, including commercial buildings, equipment, furniture,
    fixtures, inventories, business records, supplies and other physical items.
  • Property Insurance may cover two types of property losses:
    • Direct losses may be covered when property is lost, stolen, damaged or destroyed.
    • Indirect or consequential losses related to direct losses may also be covered.
  • Commercial General Liability Insurance
  • Casualty Insurance consists primarily of liability coverages, which protect an insured party against injury or damage claims made by other parties.
  • Policies provide coverage for liability arising out of:
    • Premises and Operation
    • Fire Damage Liability (damage by fire to premises rented to insured)
    • Personal and Advertising Injury
    • Medical Payments
    • Products/Completed Operations
  • Business Auto Insurance
    • Business Auto coverage insures vehicles that are owned, leased, hired or borrowed by businesses, whether they are associations, corporations, partnerships or sole proprietorships. Business Auto coverage may be used to insure private passenger autos and all types of trucks, trailers, semitrailers and commercial vehicles designed for use on public roads. We can give you more details about specific coverages and deductibles and about tailoring a Business Auto plan that's right for you and your business