We have been in the insurance industry for over three decades. Let our family take care of your insurance needs. We specialize in home, auto, business, life, and health, and are able to provide a multitude of options in almost every state. Take a few minutes to learn about the types of coverage we provide and the educational resources we offer, and then contact us to discuss how we can help meet your unique needs.
Services
We handle all types of personal and business insurance needs.
Our firm is staffed by people committed to providing our clients with highly personalized service.
Our objective is simple: To identify and help minimize our clients' exposure to risk.
We accomplish this with emphasis on quality coverage, competitive premiums, and overall simplification of insurance matters.
Our approach is direct: To analyze our clients' complete insurance needs, design a responsible protection program, and recommend insurance that is a cost effective insurance strategy designed for your individual situation.
Our firm is staffed by people committed to providing our clients with highly personalized service.
Our objective is simple: To identify and help minimize our clients' exposure to risk.
We accomplish this with emphasis on quality coverage, competitive premiums, and overall simplification of insurance matters.
Our approach is direct: To analyze our clients' complete insurance needs, design a responsible protection program, and recommend insurance that is a cost effective insurance strategy designed for your individual situation.
No matter what the size is of your business you will need some level of insurance to protect you and your business.
For small businesses, insurers often combine a number of insurance policies into a package sold as a single contract.
The most common policy for small businesses is the Business Owners Policy (BOP).
Property insurance compensates a business if the property used in the business is lost or damaged due to such things as fire or theft.
In addition to the building or structure, property insurance covers personal property such as office furnishings, inventory, raw materials, machinery, computers and other items necessary to a business's operations.
For small businesses, insurers often combine a number of insurance policies into a package sold as a single contract.
The most common policy for small businesses is the Business Owners Policy (BOP).
Property insurance compensates a business if the property used in the business is lost or damaged due to such things as fire or theft.
In addition to the building or structure, property insurance covers personal property such as office furnishings, inventory, raw materials, machinery, computers and other items necessary to a business's operations.
This year the enrollment period is shorter than in previous years, so it's important to act quickly.
Every health insurance option in the Marketplace will offer comprehensive coverage, from doctors to medications to hospital visits.
When you shop at the Marketplace, coverage information will be laid out for you.
All your costs are stated up front, so you'll get a clear picture of what you pay and what coverage you receive before you make a choice.
Health insurance companies can't refuse to cover you or charge you more just because you have a chronic or pre-existing condition, and they can't charge more for women than for men.
Every health insurance option in the Marketplace will offer comprehensive coverage, from doctors to medications to hospital visits.
When you shop at the Marketplace, coverage information will be laid out for you.
All your costs are stated up front, so you'll get a clear picture of what you pay and what coverage you receive before you make a choice.
Health insurance companies can't refuse to cover you or charge you more just because you have a chronic or pre-existing condition, and they can't charge more for women than for men.
It's your home and you want to protect it with the right homeowner's insurance policy.
To do this it's important to understand what a standard homeowner's insurance policy includes.
Living expenses in case you are temporarily unable to live in your home due to a fire or other insured disaster.
This part of your policy generally pays to repair or rebuild your home if it is damaged or destroyed by fire, hurricane, hail, lightning or other disaster listed in your policy.
It generally does not pay for damage caused by a flood, earthquake or just wear and tear.
To do this it's important to understand what a standard homeowner's insurance policy includes.
Living expenses in case you are temporarily unable to live in your home due to a fire or other insured disaster.
This part of your policy generally pays to repair or rebuild your home if it is damaged or destroyed by fire, hurricane, hail, lightning or other disaster listed in your policy.
It generally does not pay for damage caused by a flood, earthquake or just wear and tear.
If you have an accident, auto insurance can help protect you against financial loss.
Very simply, it is a contract between you and the insurance company.
You agree to pay a premium and the insurance company agrees to pay for your losses, due to an accident, as defined in your policy.
Liability coverage pays for your legal responsibility to others for bodily injury or property damage.
Medical coverage pays for the cost of treating injuries, rehabilitation and sometimes lost wages and funeral expenses.
Very simply, it is a contract between you and the insurance company.
You agree to pay a premium and the insurance company agrees to pay for your losses, due to an accident, as defined in your policy.
Liability coverage pays for your legal responsibility to others for bodily injury or property damage.
Medical coverage pays for the cost of treating injuries, rehabilitation and sometimes lost wages and funeral expenses.
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