Products

Products
We can help you choose the right policy and options from our many providers. We have policies to protect your home, cars, jewelry, home business or boat - in almost any situation.

The same is true for your business. We can help you establish an insurance plan that is right for your business and select policies and options from our many providers to get you the protection you need.
Some products and services may not be available in your area.
Personal Lines Insurance (Auto and Home Insurance)  Personal Insurance (Auto and Home Insurance)
Personal Package   Personal Package
One policy, one bill equals convenience and enhanced protection. We can combine your auto, home and other coverage in one comprehensive policy. We can start now with just your auto or home and 'package' the other coverage when your current policy expires.
Homeowner, Condo Owner, Renters   Homeowner, Condo Owner, Renters
One little policy does a lot. A homeowner policy reimburses you for damage to your home from a variety of causes. If your home is totally destroyed or you cannot use it for a period of time, your homeowner policy will also cover that. The insurance extends to your home's contents and liability for damage to property of others or injury caused to someone by you or a family member. Your policy can be personalized to include greater levels of protection for important property, home office situations, liability for boat ownership and additions and alterations to your residence
Personal Auto   Personal Auto
You need to protect yourself should your vehicle be damaged or stolen. Just as important, you need insurance for liability - property damage or injury to others caused by you and other household members as a result of operating a motor vehicle. Other policy features include medical payment reimbursement and reimbursement for injury caused to you by an uninsured or inadequately insured driver. There are many special situations where you may need to customize your policy; examples include installation of custom audio equipment, business use of your auto and teenage and guest drivers, to name a few.
Antique, Classic and Customized Automobile Insurance   Antique, Classic and Customized Automobile Insurance
Special autos come in all shapes, sizes and model years. We share you dedication to caring for and protecting your special vehicle. Let us help you care for your classic car by providing the policy that is right for it and you.
ATV Insurance   ATV Insurance
Insurance is not required for your ATV but there are several situations where liability protection you have under other policies may not apply. Some states require insurance for ATVs operated on state-owned land and your homeowner policy may not protect you if you ride off your property. ATV Insurance can fill in these gaps and will reimburse you if your ATV is stolen or badly damaged. ATV Insurance includes Liability, Medical Payments, Comprehensive and Collision coverage, much like an Auto Insurance Policy.
Boat   Boat
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.
Dwelling Fire Insurance   Dwelling Fire Insurance
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.
Flood Insurance   Flood Insurance
Even if your home or business is located away from water or is covered by a homeowner or business insurance policy, you may still need Flood Insurance. Groundwater flooding can cause damage to buildings on higher ground many miles from a body of water and over 20 percent of flood insurance claims originate from areas that are not considered to be high flood-risk. Homeowner and business insurance policies generally exclude flood and related losses because of the catastrophic nature of floods. Affordable flood insurance protection is available and is often an important component of a sound insurance program.
Home Business   Home Business
More and more people are working from home or starting home-based businesses. A standard homeowner policy affords limited protection for property and liability risks arising from home business pursuits. We have a range of options and can pick the one that's right for your business no matter how small, new or established.
Identity Theft   Identity Theft
Abduction of your personal information can result in financial loss ranging from a thief draining your bank accounts to new debt from fraudulently opened credit accounts. Protect yourself before you become a victim by taking necessary precautions and insuring potential loss.
Motorcycle Insurance   Motorcycle Insurance

Motorcycles have a higher rate of fatal accidents than automobiles. United States Department of Transportation data for 2005 from the Fatality Analysis Reporting System show that for passenger cars, 18.62 fatal crashes occur per 100,000 registered vehicles. For motorcycles this figure is higher at 75.19 per 100,000 registered vehicles – four times higher than for cars. Source.

Motorcycle insurance covers most types of motorcycles including, cruisers, street sport, touring, high-performance bikes and scooters.

Personal Umbrella   Personal Umbrella
Sometimes the coverage limits in our automobile and homeowner policies are not enough. Litigation today results in more and more jury awards for hundreds of thousands or millions of dollars. An umbrella provides extra protection of $1 million or more.
Recreational Vehicle Insurance   Recreational Vehicle Insurance
Your RV may be a motor home, travel trailer, fifth wheel or a camper. It's not a house and it's not a car and it needs special insurance protection so you can travel safely. We have products specially designed for the RV lifestyle.
Scheduled Property   Scheduled Property
Many of us have possessions that are not adequately protected by a standard homeowner policy. Examples include jewelry, antiques, oriental carpets, art work, sports equipment, collectibles and firearms. Scheduling important possessions gives you adequate levels of protection, coverage against broader causes of loss and no deductible.
Commercial Insurance (Business Insurance)  Commercial Insurance (Business Insurance)
Alternative Market   Alternative Market
When traditional business insurance can't provide the solution for your risk management needs we have a number of alternative markets and options we can employ. We can different ways to retain risk intelligently through the use of higher retention, retention groups or captive insurance programs. Or we can use bonds and securities as an alternative means of transferring risk.
Bonds   Bonds
Bonds come in several different varieties to fit different needs and situations. In general, bonds are meant to guarantee that one individual or entity will perform according to the specifications of a contract, ordinance or other requirement. Common types are Surety Bonds, Contract Bonds, Judicial and Probate Bonds and License and Permit Bonds.
Alternative Market Services   Alternative Market Services
Business Auto Insurance   Business Auto Insurance
Maybe your business owns vehicles or maybe you rent or lease them. Maybe you or your employees use personal vehicles to conduct business. If so, you need Business Auto Insurance. A Business Auto Insurance Policy protects your business against injury to others and damage to property as a result of business use of vehicles.
Business Owners Policy   Business Owners Policy
Think of it as homeowner insurance for your business. This type of policy is appropriate for many small and medium sized businesses. It conveniently includes many types of coverage like liability, building, business property and loss of income.
Commercial General Liability   Commercial General Liability
Your business faces exposure to loss from legal liability from a number of sources. The CGL provides broad protection from risks arising from your premises and operations, independent contractors and product liability, to name a few.
Commercial Package Policy   Commercial Package Policy
A Commercial Package is a type of business package policy that bundles coverage together for several things including liability, property, boiler and machinery, crime and other optional coverage. The options available create flexibility that allow a Package to be customized for most kinds of business.
Commercial Property Insurance   Commercial Property Insurance
This type of policy provides protection from loss, due to a variety of perils, to all kinds of business property including: building structures, furniture, inventory, equipment, and supplies, money and securities and business records. If you have a larger or more complex business you may need the flexibility of insuring your business property through a Commercial Property Policy.
Contractors Liability   Contractors Liability
Contractors have liability insurance needs unique to the building trade. We understand those needs and can find insurance protection to fit the budget of your business.
Crime Insurance   Crime Insurance
Businesses are exposed to many types of loss not always covered in other types of business insurance policies. Crime Insurance indemnifies your business from embezzlement or theft by employees, forgery, hacking (electronic theft), theft of cash or securities by someone other than an employee or damage to your building or property caused by a burglary.
Directors and Officers Liability Insurance   Directors and Officers Liability Insurance
D & O Insurance, as it is commonly called, is essential to attracting, retaining top business management talent. Lawsuits against a business and its management for negligent or wrongful acts can be brought by any number of constituents like shareholders, customers or regulatory bodies. D & O Insurance will fill in gaps in primary business liability insurance and will protect the personal assets of the directors and officers.
Employment Practices Liability Insurance (EPLI)   Employment Practices Liability Insurance (EPLI)
This kind of insurance provides insurance against liability for, as the name implies, employment practices. Protection, which will vary from policy to policy, covers a broad range of claims or lawsuits that might be brought by current or former employees or employment candidates. Just a few examples include sexual harassment, wrongful termination or discipline, wrongful failure to promote or hire, emotional distress, discrimination and invasion of privacy. Recent growth in employment practice litigation makes review of employment practices and insurance protection a necessity for most businesses today.
Farm and Ranch Insurance   Farm and Ranch Insurance
Farm and ranch insurance can be tailored to protect the part-time gentleman farmer to the full scale agribusiness. Plans can include protection for your personal and business assets and legal liability insurance for both personal and farming pursuits. To get a proposal suited to your individual needs, complete our Farm Quote Request form or use the contact link below. And of course, you can always call or stop by to learn more.
Inland Marine Insurance   Inland Marine Insurance
Insurance for a variety of property in land transit as well as instrumentalities of transportation such as bridges or tunnels would seem to fit the name, Inland Marine Insurance, and this kind of property is in fact insured by this class of insurance. But the policies in this category also provide coverage for property under construction, construction equipment, scheduled property like jewelry, furs, tools and more that move about or fluctuate in value as well as instrumentalities of communication like broadcast towers.
Professional Liability Insurance   Professional Liability Insurance
Any professional in any field is expected to possess skills and knowledge resulting from specialized training and experience. When a client or customer believes you have not conducted yourself according the standards of your profession or that you have been negligent in some way you can be sued. Standard business liability policies do not cover these situations. To supplement general liability protection you may need a specialty coverage known as Professional Liability Insurance or sometimes Errors and Omissions Insurance.
Public Entity Programs   Public Entity Programs
Cities, towns, counties, state and federal government entities face substantial risks that are unique. Fire and police departments, public recreation areas and equipment and road maintenance pose vastly different and challenging risk and insurance issues. We have the expertise and programs to find the right solution.
Trucking Insurance   Trucking Insurance
A trucking operation may need insurance for Physical Damage to trucks and trailers, Primary Auto Liability - even on leased rigs, General Liability for property damage or personal injury when a truck is not involved, Non-Trucking Liability for drivers and trucks not under dispatch and Non-Owned Trailer Liability. We can handle it all.
Workers Compensation Insurance   Workers Compensation Insurance
This type of insurance pays for medical and rehabilitation expenses for workers injured on the job. Lost wages are also covered. Each state governs the compensation details, including the amounts paid. This is often a mandatory type of insurance.
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Some products and services may not be available in your area.
 
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