It's great that your agent sells insurance, that's their job. Shouldn't your agent see the risks & costs you face from your perspective and not that of an order taker? Peter views each client individually, taking the time to understand your unique circumstances. Like you, he understands that insurance is a balance between coverage, limits, costs, and budgets.
When Peter chose to be an independent insurance agent his goal was to build a business that would approach clients' insurance coverage from the policyholder's point of view. Listening to your needs, discussing valuations, and obtaining insurance policies to offset inherent financial risks. A dual objective, protect current (and future assets) by obtaining the coverage you want at a price that fits your budget.
Along with more than 14 years of experience, Peter continues to enhance his knowledge of insurance through continuing education. More importantly for his clients, Peter has gained the recognition of a Certified Insurance Counselor, "CIC, " which goes beyond licensing.
When Peter chose to be an independent insurance agent his goal was to build a business that would approach clients' insurance coverage from the policyholder's point of view. Listening to your needs, discussing valuations, and obtaining insurance policies to offset inherent financial risks. A dual objective, protect current (and future assets) by obtaining the coverage you want at a price that fits your budget.
Along with more than 14 years of experience, Peter continues to enhance his knowledge of insurance through continuing education. More importantly for his clients, Peter has gained the recognition of a Certified Insurance Counselor, "CIC, " which goes beyond licensing.
Services
Covers loss of income less non-continuing expenses due to the necessary suspension of business operations during restoration.
Interruption due to damage at the site and caused by a covered peril.
There are several options to the loss of income form, you can choose to include payroll for certain employees or choose to insure only the net income.
One of the best forms of coverage you can find is Actual Loss Sustained for 12 Months (ALS).
This coverage pays your real loss of income for up to 12 months.
Interruption due to damage at the site and caused by a covered peril.
There are several options to the loss of income form, you can choose to include payroll for certain employees or choose to insure only the net income.
One of the best forms of coverage you can find is Actual Loss Sustained for 12 Months (ALS).
This coverage pays your real loss of income for up to 12 months.
If you are a business owner and have your personal use vehicle insured on your business auto policy and don't have personal auto insurance, you need to add DOC Broad Form coverage to your business auto policy.
With DOC you are then covered if you drive a vehicle not covered or listed on you business auto policy, such as a friend or relatives vehicle.
Most policies will only pay pollution clean up cost for chemicals and fluids that are used as part of the vehicles engine.
Oil, gas, transmission fluid etc.
With DOC you are then covered if you drive a vehicle not covered or listed on you business auto policy, such as a friend or relatives vehicle.
Most policies will only pay pollution clean up cost for chemicals and fluids that are used as part of the vehicles engine.
Oil, gas, transmission fluid etc.
An individual or business who oversees or represents to another a unique competency, qualification, license, skill set or expertise needs to be covered professional liability insurance.
Additionally, providing information, training, over site or advise may result in an accusation of financial loss or damages to another person or entity a result of your activity.
Insurance companies provide unique policy's for these risks.
Up to the limits specified in the policy, this coverage will pay monetary damages for your failure.
Additionally, providing information, training, over site or advise may result in an accusation of financial loss or damages to another person or entity a result of your activity.
Insurance companies provide unique policy's for these risks.
Up to the limits specified in the policy, this coverage will pay monetary damages for your failure.
Business owners of all types and sizes need to be aware of and understand the value of an Umbrella Insurance Policy.
An umbrella or "excess liability policy" will add to the normal liability limits of your current policy liability limits.
This additional insurance coverage will shelter the financial lose of litigation against you or your firm.
To protect business assets as well as future income consider an umbrella policy.
Umbrella rates will depend on the kind of business you operate, the assets being insured, the vulnerability of a lose, and the amount of liability coverage purchased.
An umbrella or "excess liability policy" will add to the normal liability limits of your current policy liability limits.
This additional insurance coverage will shelter the financial lose of litigation against you or your firm.
To protect business assets as well as future income consider an umbrella policy.
Umbrella rates will depend on the kind of business you operate, the assets being insured, the vulnerability of a lose, and the amount of liability coverage purchased.
To many individuals, business owners and professional's surprise, basic or entry-level general or commercial liability policies and business owner policy's (BOP) do not extend to an alleged or real error or omission of an individual, employee of a business or business entity.
As a result, the errors and omissions insurance policy should be a major financial risk shifting method used by anyone who advises, consults, recommends, and works for or on behalf of another person or business.
Should you be accused of or charged with an error or omission, a jury or judge will be the make the final decision.
As a result, the errors and omissions insurance policy should be a major financial risk shifting method used by anyone who advises, consults, recommends, and works for or on behalf of another person or business.
Should you be accused of or charged with an error or omission, a jury or judge will be the make the final decision.
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