Services

Property & Casualty Insurance for Business Owners

As an independent insurance agent, I am free to work with many different insurance companies, rather than representing just one. This means I can offer you a wider choice of coverage options. Since I’m not employed by or represent a single insurer, I truly represent you, the client. When insurance companies compete for your business, you win!

Areas of Service

 

LIABILITY INSURANCE

Liability insurance is one of the most important policies a person or business can purchase. This policy provides financial protection and legal defense in the event you are sued for bodily injury or property damages. Accidents can happen at any time. Being caught without liability insurance can be both financially devastating and illegal.


Professional; Directors & Officers Liability

Protect your business from defending and paying for judgments resulting from alleged wrongful acts, mistakes, errors or omissions. Protect your board members against suits brought by members or shareholders for alleged acts of negligence, mistakes or errors.
 


Flood Insurance

Offered through the federally regulated program known as the National Flood Insurance Program (NFIP), flood insurance covers your home and property (up to $250,000), and personal property (up to $100,000) damaged by rain.



PROPERTY INSURANCE

Property Insurance protects your tangible assets such as a building, furniture, fixtures, machinery and equipment. There are many coverage forms available. Some of the most important and under-appreciated elements of a commercial real estate lease are the insurance requirements.
 


Professional & Commercial Umbrella Policies

Designed to help protect you from major claims and lawsuits above and beyond the limits of your current policies, it helps protect your assets and your future. This protection is designed to kick in when the liability on these other policies has been exhausted, and provides coverage for claims that may be excluded by other liability policies.


Homeowner's Insurance

Protect your home and yourself from costly losses of home, use, possessions, and liability with a comprehensive homeowner's policy. 

 



CYBER LIABILITY

Nearly all companies store sensitive customer and business data such as email addresses, phone numbers, Social Security numbers, medical info, propriety business and tax info. As technology increases, the risk of a breach only increases as well. Ensure you’re properly covered. 
 


Bonds: Permit, Performance & Court

Bonds are financial guarantees to third parties and there are over 200 different types.  Most commonly needed are permit bonds, performance bond and probate bonds. We issue Permit bonds the same day to facilitate your registration in Cities throughout  the State. Probate bonds are readily available for attorney’s needing help on settling estates and setting up guardianships.


Business-owner Packages

Every business is unique, and so are your protection needs. With a comprehansive and customized biusiness-owner package, you can cover your business, your property, your fleet, and your clients.