We provide both personal and commercial insurance, including:
And more!
Common ways to save include bundling home and auto policies, maintaining a good credit score, increasing your deductible, and discounts for things like security systems or safe driving records.
It depends on the type and frequency of the claim. Small or at-fault claims can affect your rate. We’ll help you understand when it’s worth filing and when it might be better to pay out of pocket.
Yes. You can switch anytime. We’ll handle the paperwork and make sure there’s no lapse in coverage.
A deductible is the amount you pay out of pocket before your insurance coverage begins to pay for a loss. For example, if you have a $500 deductible and $2,000 in covered damage, you’d pay $500, and your insurer pays $1,500.
Yes! Renters insurance protects your personal belongings and liability, even if your landlord’s policy covers the building itself.
No. Home-based businesses need additional coverage or a business policy. We can help make sure your business property and liability are properly protected.
If you use your vehicle for business purposes then yes. Using a vehicle for deliveries, transporting tools, or client visits, you likely need commercial auto insurance for full protection.
It depends on your operations, but most need:
We can tailor a package that fits your industry and budget.
General Liability covers bodily injury or property damage to others. Professional Liability (Errors & Omissions) covers mistakes in your professional work or advice. Many businesses carry both for complete protection.
Yes. Even small companies can be targets of data breaches or ransomware attacks. Cyber liability insurance helps pay for recovery costs, legal fees, and notification expenses.
A BOP bundles general liability and property insurance into one affordable package, ideal for small to mid-sized businesses.
Umbrella insurance acts just like an umbrella, over all your other insurance policies, giving you extra liability coverage beyond your home and auto policies. It helps protect your assets if you’re sued for more than your base policy limits.
Yes, possibly. Many flood claims come from moderate-risk areas, heavy rain, melting snow, or poor drainage can all cause flooding.
You can contact us or contact your insurance carrier’s claims department directly. We’re always here to help answer your questions.
Call or email us anytime to add a driver, vehicle, property, or make coverage changes. Keeping your policy current ensures you stay properly protected.
We recommend reviewing your coverage annually or after major life or business changes, like buying property, changing vehicles, or expanding your business.
