OUR PRODUCTS

In Negotiation
Business Insurance

We look forward to talking with you about how the following products will benefit your business:

  • Business Property Insurance

  • Commercial General Liability

  • Worker's compensation

 

  • Business Auto

  • Data Breach Insurance

  • Commercial Umbrella

  • Employee Practices Liability

 

Specialty Programs

  • Professional Legal Liability

  • Directors & Officers Liability

  • Trustee & Fiduciary Liability

Based on the information that you provide, we will find a comprehensive policy to protect you and your vehicles, boat and watercraft.

Auto Insurance
Boat and Watercraft Insurance
Homeowners, Condo or Renters Insurance

We can bundle a Homeowners, Condo, or Renters Policy along with other insurance policies, or provide it as a stand-alone. A Homeowners Insurance Policy typically covers the following:

  • The structure of your home

  • Replacement costs

  • Personal possessions (up to a limit)

  • Living expenses in case of a disaster

  • Liability

 

You can also add supplemental policies such as:

  •  Valuable Articles/Floater policies

         (i.e. Jewelry, furs, art work)

  •  Flood policies

  •  Umbrella policies (additional liability)

Life Insurance

Plan for your future and the future of your loved ones.

  • Term Life Insurance provides life insurance protection for a specified period of time. Term life is sometimes convertible to permanent coverage, providing you with flexibility as your needs change.

  • Whole Life Insurance is a form of permanent life insurance that remains in force for your entire lifetime, provided premiums are paid as specified in the policy.

  • Universal Life Insurance is a form of permanent life insurance characterized by its flexible premiums, face amounts and unbundled pricing structure. The savings element, premiums and death benefit can be reviewed and altered as a policyholder’s circumstances change.

Group Insurance and Employee Benefits

There are many options out there, and we are ready to explain the good, the better, and the best for you. Listed below are the types of products that are available – but we need to talk with you about what is best for you, not only for your life now, but looking forward to your future needs.

  • Medical Insurance

  • Dental Insurance

  • Vision Insurance

  • Voluntary / Payroll Deduction Plans
     

  • Group Life Insurance

  • Long Term Disability

  • Short Term Disability

  • Cafeteria Plans / Section 125 Plans

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Medical and Medical Supplements

  • Individual Medical

  • Temporary / Short Term Policies

  • Policies to supplement Medicare Parts A & B

  • Medicare Part D / Prescription Drug Programs

Disability and Long Term Care

  • Individual Disability Non Cancelable

  • Disability Buy Out

  • Nursing Home Policies / Long Term Care

  • Income Replacement / Short & Term Disability