We feel our greatest asset is our people, professionals who know that you expect and deserve the very best. So, no matter how comprehensive or price competitive your insurance program is, it's still people who ensure that your coverage will respond when it's needed. The stakes are high. Businesses face an array of risks, ranging from liability for workplace conduct to the impact of catastrophic weather events.
They should expect from their insurance partner a thoughtful assessment of these risks and coverage tailored to protect their business and employees.
They should expect from their insurance partner a thoughtful assessment of these risks and coverage tailored to protect their business and employees.
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Iowa Law requires ATVs that are driven on state or county roads to be licensed for road use.
When the ATVs are licensed, they are also required to carry the state minimum liability coverage required for all vehicles.
Even when your ATV is not licensed, you are exposed to the liability risk of injuring someone else.
We have specialty insurers who will cover ATVs for the required liability as well as covering them for physical damage if you desire this coverage.
ATV Insurance includes Liability, Medical Payments, Comprehensive and Collision coverage, much like an Auto Insurance Policy.
When the ATVs are licensed, they are also required to carry the state minimum liability coverage required for all vehicles.
Even when your ATV is not licensed, you are exposed to the liability risk of injuring someone else.
We have specialty insurers who will cover ATVs for the required liability as well as covering them for physical damage if you desire this coverage.
ATV Insurance includes Liability, Medical Payments, Comprehensive and Collision coverage, much like an Auto Insurance Policy.
Not all auto insurance policies are created equal and that is especially true if you are looking for insurance for a restored or collectible vehicle.
A standard automobile policy usually pays for vehice damage under the comprehensive or collision part of the the insurance policy, but claim settlement is usually for actual cash value (ACV) - the cost new less depreciation.
Obviously this approach isn't the best one to take when insuring a classic car.
That's why our agency recommends special insurance coverage for the stated value of your collector car or truck.
A standard automobile policy usually pays for vehice damage under the comprehensive or collision part of the the insurance policy, but claim settlement is usually for actual cash value (ACV) - the cost new less depreciation.
Obviously this approach isn't the best one to take when insuring a classic car.
That's why our agency recommends special insurance coverage for the stated value of your collector car or truck.
Often, people realize the need for auto liability insurance but don't realize that boat liability is just as important.
One policy includes protection against loss to your boat, motors, trailers and equipment and liability for property damage or physical injury to others caused by you or other boat operators.
Boat insurance can be inexpensive and provides invaluable protection in the event of an accident while boating.
Call us today to find out more.
Contact an insurance specialist at The Brooks Group today to answer any questions about Boat Insurance or for a free review and insurance quote for Boat Insurance.
One policy includes protection against loss to your boat, motors, trailers and equipment and liability for property damage or physical injury to others caused by you or other boat operators.
Boat insurance can be inexpensive and provides invaluable protection in the event of an accident while boating.
Call us today to find out more.
Contact an insurance specialist at The Brooks Group today to answer any questions about Boat Insurance or for a free review and insurance quote for Boat Insurance.
Condominium insurance is unique.
Your condo insurance policy covers your personal property and liability, as well as any additions, alterations and improvements you make to your unit that are your responsibility based on the condo association agreement.
Condo insurance provides coverage for your personal property and much more.
For a few more dollars, you may elect to carry Full Value Personal Property which ensures that you are reimbursed full replacement value without regard for depreciation after a covered loss.
Your condo insurance policy covers your personal property and liability, as well as any additions, alterations and improvements you make to your unit that are your responsibility based on the condo association agreement.
Condo insurance provides coverage for your personal property and much more.
For a few more dollars, you may elect to carry Full Value Personal Property which ensures that you are reimbursed full replacement value without regard for depreciation after a covered loss.
Dwelling Fire Insurance is designed to insure residences you own or have a financial interest in but do not live in.
Common situations calling for this type of insurance coverage include rental homes, homes that are vacant because they are temporarily uninhabitable or are not currently occupied because of a transition caused by a sale or relocation.
In these situations insurance protection is needed for the building but typically not for any contents.
Liability insurance for the property can sometimes be added or may be handled through alternative approaches.
Common situations calling for this type of insurance coverage include rental homes, homes that are vacant because they are temporarily uninhabitable or are not currently occupied because of a transition caused by a sale or relocation.
In these situations insurance protection is needed for the building but typically not for any contents.
Liability insurance for the property can sometimes be added or may be handled through alternative approaches.
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