As an independent agent we work with Multiple companies to find the right coverage for you at the right price.
We offer a complete line of property and casualty insurance, Auto, Home farm and commercial. As always, we offer the personalized service you expect and deserve.
When you buy an auto insurance policy, you are buying a package of individual coverages. Each coverage protects you against different types of losses. The following are some common coverages found in an auto policy:
Bodily Injury (BI) Liability Coverage pays, up to the coverage limits, for damages due to injury or death of others in a vehicle accident for which you or the operator of your vehicle are legally responsible. It also pays your legal defense costs. In most states this coverage is mandatory.
Property Damage (PD) Liability Coverage pays, up to the coverage limits, for another individual’s vehicle or property that has been damaged in an accident for which you or the operator of your vehicle is legally responsible. In most states this coverage is also mandatory.
Motorcycle Insurance typically offers a combination of collision, liability, theft, and related coverage designed specifically to meet the needs of motorcycle owners. If you own a motorcycle, you need this coverage to protect you from theft, collision, and other common exposures.
If you have an ATV we urge you to contact us and let us review your specific policy to determine whether you need a separate ATV Policy.
Discounts are available to help lower your premium such as:
- A discount for completing and approved ATV safety course.
- A discount for owning and insuring multiple ATVs.
For many of us our home is our most valuable possession. The time to think about the unthinkable disaster is before it happens to you. If your home were damaged or destroyed, insurance can help you repair or rebuild your home and replace damaged possessions.
The main purpose of insurance is to protect you against losses you cannot afford. Few people have the financial resources to rebuild their homes.
In addition to protecting your home and possessions, homeowners insurance also provides liability coverage to protect you from financial ruin if someone is injured on your property and sues for damages.
Even though you don’t own your own home you have personal property that can be lost to fires, burglaries and even lawsuits. While most homeowners are insured for these risks, many renters are not. No one requires renters to buy insurance to protect their personal property, so many do not.
A common practice for RV owners is to insure their RV under their current auto policy. But too often the owner does not take the time to read what and how much is covered under their auto policy. In many instances, RV’s covered under auto policies are not adequately covered.
One misconception RV owners have is that the personal property in their RV will be covered under their homeowners policy.
This is true, but, coverage on personal property is limited when the property is kept somewhere other than the “residence premises.” Often the limit in a standard policy is very low and the usual policy deduction would apply.
Boat insurance works similar to the insurance for your car, and can protect in the same way. But, since boats have different features than your car, you will want to make sure you have all the coverages you need and any savings that may lower your premium….
A BOP is a package policy typically combining General Liability and Property Insurance, along with other optional coverage, for small to medium sized businesses in lower risk businesses classes. A BOP may be available depending on the type of business, annual sales, number of employees and other factors.
A BOP typically includes General Liability to cover your commercial liability and property insurance for physical assets, such as contents, that are leased or owned. The package insurance policy may also cover loss of business income and extra expense resulting from a covered loss.
The General Liability insurance coverage of a BOP is comparable to a typical Commercial General Liability (CGL) policy, providing protection against claims of bodily injury or property damage for which your business may be liable.
Property insurance can cover the buildings that you own and/or business property and inventory against physical loss or damage. If you don’t own your building, you’ll still need contents coverage. In the most policies, property insurance for business contents covers furniture, fixtures, inventory, office equipment and other supplies stored at your facility or off-premises.
Liability insurance is designed to protect the business against losses even if they are negligent or liable for damage, injury or loss to another’s property, reputation, or health. Typically, damages, legal defense fees and settlement charges are paid by the insuring company when a claim is filed against the business.
Commercial auto liability coverage provides protection for any business-owned or leased commercial vehicle. Policies usually include collision and damage coverage as well as coverage for property and personal damage to others.
Just like you need auto insurance for your own car, you need business auto insurance to cover your business-owned or leased vehicles. If you, or any of your employees have an accident in your business’s car, you may be liable for bodily injuries, lost wages or any damage caused.