Auto Insurance- If you own a car, auto insurance is not just an option—it is a legal necessity Auto insurance protects you against financial loss if you have an accident. It is a contract between you and the insurance company. You agree to pay the premium and the insurance company agrees to pay your losses as defined in your policy. Auto insurance provides property, liability and medical coverage:
Property coverage pays for damage to or theft of your car.
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.

Antique/Classic Collectors-I bet you didn’t know that your older car or truck might be a true Antique Vehicle! Well, if your older vehicle is at least 25 years old, in excellent condition and should increase in value if you could own a real antique vehicle. 

SR-22- is a document that is filed by your insurance company to the state's department of motor vehicles. The purpose of a SR-22 is to show your financial responsibility and verify that you have appropriate auto liability insurance. A SR-22 is typically required by the court or mandated by state law in order to reinstate your driver license if your license is suspended due to:

GAP Insurance- When you drive your new car off the lot the value of your vehicle plummets, sometimes as much as 20%-30%. GAP stands for Guaranteed Auto Protection. Most people just use the term GAP to represent the gap in coverage between how much one owes on a car and how much the car is worth.

Homeowners Insurance is a package policy. This means that it covers both damage to your property and your liability or legal responsibility for any injuries and property damage you or members of your family cause to other people. This includes damage caused by household pets. Damage caused by most disasters is covered but there are exceptions. The most significant are damage caused by floods, earthquakes and poor maintenance. You must buy two separate policies for flood and earthquake coverage. Maintenance-related problems are the homeowners' responsibility.

Condo and Renters Insurance are similar in coverage. A form of insurance that covers a policyholder’s belongings against perils such as fire, theft, windstorm, hail, explosion, vandalism, riots and others. It provides personal liability coverage for damage the policyholder or dependents cause to third parties. It also provides additional living expenses, known as loss-of-use coverage, if a policyholder must move while his or her dwelling is repaired. It also can include coverage for property improvements. Possessions can be covered for their replacement cost or the actual cash value that includes depreciation.

Inland Marine-Provides coverage for specialty items you own but may be limited under the homeowners or Condo and renters policies.

Umbrella-A personal umbrella insurance policy offers an extra layer of protection for your assets if there's a serious auto accident or accident at your premise you are occupying.  Underlying Auto and Home, Condo and Renters policy may be required by the carrier who write the Personal Umbrella.

Your business faces liabilities every day. The only way to protect your assets is to carry adequate business liability insurance. We offer many forms of business insurance policies such as Business Owners, General Liability, Property, and Errors & Omissions and Directors and Office Insurance.

• Business Owners Insurance - A policy that combines property, liability and business interruption coverages for small- to medium-sized businesses. Coverage is generally cheaper than if purchased through separate insurance policies


• General Liability-General Liability Insurance covers claims of bodily injury or other physical injury or property damage. It is frequently offered in a package with Property insurance to protect your business against incidents that may occur on your premises or at other covered locations where you normally conduct business.  Coverage includes: Premises and Operations, Products and Completed Operations, Bodily Injury/Property Damage, Medical Injury and Advertising and Personal Injury.


• Commercial Property-Commercial Property Insurance provides coverage on your building, personal property or equipment. This to is often combined with a General Liability Policy.  Replacement cost or actual cash value are the two most common forms of replacement.


• Commercial Package Policies-Provides coverage for both general liability and property insurance and packages coverage's together for your specific business needs. This may include liability, business property, and/or building coverage, equipment and other requested coverages with additional benefits in one packaged policy.


• Business Auto Insurance-you need the same kinds of insurance coverages for the car you use in your business as you do for a car used for personal travel -- liability, collision and comprehensive, medical payments (known as personal injury protection in some states) and coverage for uninsured motorists.


• Commercial Umbrella Insurance -Provides excess liability protection for your business needs.


• Professional Liability-Protects the business owners against financial losses from lawsuits filed against them by their clients if your client holds you responsible for errors, or the failure of your work to perform as promised in your contract


• Errors & Omissions- Errors and Omissions Liability protects your company from claims if your client holds you responsible for errors, or the failure of your work to perform as promised in your contract.


• Directors & Officers-Provides financial protection for the Directors and Officers of their company in the event they are sued in conjunction with the performance of their duties as they relate to the company.


• Employer Practices Liability Insurance (EPLI)-EPLI covers businesses against claims by workers that their legal rights as employees of the company have been violated.

• Farm owners -Covers your property and provides liability coverage for both your home and your farming operations. Provides coverage for your home and contents, farm personal property, farm structures, equipment and livestock and liability protection. 


• Equine Insurance-we can add coverage for horse farms including boarding, training and breeding.

When you buy life insurance, you want coverage that fits your needs.
First, decide how much you need - and for how long - and what you can afford to pay. Keep in mind the major reason you buy life insurance is to cover the financial effects of unexpected or untimely death. Life insurance can also be one of many ways you plan for the future.

Next, learn what kinds of policies will meet your needs and pick the one that best suits you.

Then, choose the combination of policy premium and benefits that emphasizes protection in case of early death, or benefits in case of long life, or a combination of both.

We offer the following forms of Life Insurance Policies

• Term Insurance covers you for a term of one or more years. It pays a death benefit only if you die in that term. Term insurance generally offers the largest insurance protection for your premium dollar. It generally does not build up cash value.


• Whole Life Insurance covers you for as long as you live if your premiums are paid. You generally pay the same amount in premiums for as long as you live.


• Guaranteed Issue Life Insurance This application has no medical exam and has limited underwriting. Except for accidental death the death benefit is reduced in the first two years to only premiums paid plus 7% interest on an annualized basis.


• Universal Life Insurance is a kind of flexible policy that lets you vary your premium payments. You can also adjust the face amount of your coverage. Increases may require proof that you qualify for the new death benefit.


• Fixed Annuities-A fixed annuity can help prepare for retirement, live confidently in retirement, and protect their assets.

An insurance carrier issues a health insurance policy to an individual or group, which promises to pay for health care.  Spouse and other family members may be added for an additional charge. Several forms of policies are:

• PPO Medical-A comprehensive plan that meets your day-to-day medical needs by providing coverage for routine care, serious illness and emergency care.


• HAS-A health savings account is an option in health insurance that combines a high deductible health plan with a tax-favored savings account.


• Medicare Supplement- Medicare is the federal health insurance program that covers most people age 65 and older. Some younger people who are disabled or who have End-Stage Renal Disease (permanent kidney failure) are also eligible for coverage.


• Disability Insurance- Disability insurance can replace a portion or all of your income if you become disabled and cannot perform your job. Short term and long terms plans are available.

You love your dogs, and you may depend on them for business or personal needs. But did you know that 4.7 million dog bites happen every year, making dog-related damage the biggest cause of homeowner’s insurance claims? That means many insurance companies are excluding or limiting coverage—or not offering a policy at all. Even local and state laws are getting stricter.

Some of the breeds that are on the restricted lists are: American Staffordshire Terriers, American Pit Bull Terriers, or Staffordshire Bull Terriers all commonly know as Pit Bulls:

• Doberman Pinschers.
• Rottwellers.
• Chow Chows

Wolf hybrids:

Dogs that have been trained to attack persons, property or other animals: or dogs that have been trained to guard persons or property:

Any dog used in any manner, as a fighting dog or bred specifically for fighting:

Any dog with a prior history of:

• Causing bodily injury to a person.
  
• Attacking or biting another animal.
  
• Chow Chows