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Personal Insurance

Coverage for your personal possessions, such as your home, personal property, automobiles, jewelry, boats. Also provides liability protection for your personal activities.
Business Insurance

Coverage for your business properties, including buildings, inventory, automobiles, furniture and fixtures. Also covers group health, pension/401K, loss of business income and business liability.
Life/Health Insurance

Personal coverage for all your Life (Term, Whole, Universal), Health, and Disability needs.
Risk Management

Providing outsourced insurance management, including analysis, review, and recommendations for your coverage needs, claims review, loss control, and insurance marketing.

Personal Insurance

Business Insurance
  • Buildings
    Covers damage to your business real-estate (structures), including fire, vandalism, lightning, flood and other broad risks of physical damage.
  • Property
    Covers damage to your business furniture and fixtures, including fire, vandalism, lightning, flood and other broad risks of physical damage.
  • Inventory
    Covers damage to your business inventory, including finished products, work in process and raw materials
  • Loss of Business Income
    Covers loss of income and/or extra expenses due to your inability to perform usual business operations following a covered event.
  • Business Liability
    Covers the risk of lawsuits against your business for bodily injury or property damage arising out of your normal business operations or your products.
  • Errors and Omissions (E & O)
    Protects you against lawsuits arising from faulty advise, failure to give advice, providing incorrect or incomplete information
  • Worker's Compensation
    Statutory coverage for work-related injuries to employees arising out of and in the course of the performance of their job.
  • Business Auto
    Collision damage, theft, glass, injury/accident for business-owned vehicles.
  • Group (Health/Life/Dental/LTD)
    Provides employee benefit plans including Major Medical, Group Life, Dental, Vision, Hearing, and short or long-term disability.
  • Pensions/401(k)
    Retirement plans, including 401(k), Keogh, SEP's, IRA.
Life/Health Insurance
  • Term
    Provides basic life insurance benefits for a limited period of time at the lowest possible cost.
  • Whole Life/Universal
    Provides long term life insurance protection, at a fixed cost, with cash-value growth in your policy
  • Annuities
    Tax-deferred investment contracts to provide growth and/or lifetime income for your future benefit.
  • Disability
    Coverage to replace your earnings if you become disabled and cannot perform your usual job duties, resulting in a reduction in earnings.
  • Health
    Major Medical coverage and or hospital plans for individuals who are not covered by an employer's group benefit plans.
Risk Management
  • Outsourced Insurance Management
    We can be your insurance department to work as your intermediary with your designated insurance agent for all daily insurance requirements.
  • Claim Review/Management
    Processing of claims, including follow-up, review, and settlement with your insurance companies.
  • Loss Control
    Review and analysis of your normal operating exposures in order to determine how to reduce, minimize or eliminate the risk of losses.
  • Policy Review
    Review your current insurance portfolio for adequacy and accuracy of current coverage. Make recommendations for improvements in coverage.
  • Insurance Marketing
    Marketing your insurance needs to direct writing insurance companies and national insurance brokerage houses.


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