Personal Insurance:
Automobile
Automobile insurance purchased for personal cars, trucks, and other vehicles. Its primary use is to provide protection against losses incurred as a result of traffic accidents and against liability that could be incurred in an accident.
Motorcycle
We insure most types of motorcycles including: sport bikes, cruisers, touring bikes, Enduros, scooters, dirt bikes, trikes and most custom bikes.
Boats
Boat insurance works similar to the insurance for your vehicle, and can protect you in the same way. But, since boats have different features than your vehicle, you will want to make sure you have all the coverage’s you need and any savings that may lower your premium.
Home
Home insurance is the cornerstone of every homeowner's total financial plan. We will work with you to assess your needs and help you develop a personalized program that can provide protection for you and your home.
Mobile Home
A large trailer, fitted with parts for connection to utilities, that can be installed on a relatively permanent site and that is used as a residence. Also called manufactured home.
ATV
ATV insurance is the best way to cover your four-wheeler (and you) when you are out on the trail.
SR-22
An SR-22 is a document required by the court that demonstrates proof of financial responsibility for persons convicted of certain traffic violations.
Renters
A type of home Insurance that protects the policy holder against accidents, damages, and losses that occur in a rented residence. Renter's insurance provides coverage both for the insured's belongings and for liability that may result from an accident in the insured's home.
Life
Life insurance can be purchase for children adults and seniors. In addition, to paying for final burial expenses, many use life insurance as a way to accumulate savings and to pass down a sizable inheritance.
Health
Insurance against expenses incurred through illness of the insured.
Bonds
A guarantee by which a third party (the guarantor) is bound to assume responsibility for the completion of a project or the performance of contracted acts if the second party (the contractor) defaults.
Personal Umbrella
Personal umbrella insurance provides coverage beyond your homeowner or auto policy by adding an extra layer of liability coverage. Coverage is provided in amounts of $1,000,000 increments. Umbrella insurance also covers situations that may not be covered by another policy such as slander or libel.
 
Commercial Insurance:
Commercial Auto
You need commercial auto coverage if you or your employees will use titled vehicles in their work. Many small-business owners believe that if their car is in their personal name then commercial coverage is not necessary and their personal auto policy will cover the auto. This is not true. Most personal auto policies exclude from coverage the use of a vehicle for commercial purposes.
Builders Risk
Builders risk insurance is a policy that covers the completion of a building project from start to finish. While on the job, serious setbacks such as having a fire break out or theft of materials could alter or destroy the project's timetable, which could cost money. This insurance provides a safety net if any of those events should occur. Whether your project is commercial or residential, builders risk insurance is protection worth investing in.
General Liability
General Liability insurance coverage that pertains to claims arising out of the insured's liability for injuries or damage caused by ownership of property, manufacturing operations, contracting operations, sale or distribution of products, and the operation of machinery, as well as professional services.
Workers Compensation
Workers' compensation is a type of business insurance that provides employees who become injured or ill while on the job with medical coverage and income replacement. It also protects companies from being sued by employees for the workplace conditions that caused such an injury or illness.
Small Business
Natural disasters, injuries to customers or employees, mistakes and automobile accidents all can cause monetary losses to your business. Fortunately, business insurance is available to help mitigate the effects of these unforeseen events.
Garage Liability
Type of insurance that protects garage owners or automobile dealers for liabilities they may have in their business operations.
Special Events
A special event is defined as an event, such as a wedding, anniversary party, Bar Mitzvah, fair, carnival, exhibition, fundraising dinner or other event of short duration, usually lasting ten days or less.
Commercial Insurance
 
Basic Terms and Definitions
(This might help you figure out what type of coverage is right for you.)
 
Limits
An insurance coverage limit is selected by you and is the most an insurance company will pay for damages or injuries that apply to the coverage. Most states have laws that specify the minimum limit that must be purchased for each required insurance coverage.
  Property Damage Liability Coverage (PD)
If an insured person is legally liable for an accident, PD coverage pays for damage to others' property resulting from the accident. PD also pays for legal defense costs if you are sued. Certain exclusions may apply. Refer to your policy.
  Bodily Injury Liability Coverage (BI)
If an insured person is legally liable for an accident, BI coverage pays for injuries/death to people involved in the accident other than the insured driver. BI also pays for legal defense costs if you are sued. Certain exclusions may apply. Refer to your policy.
     
Uninsured Motorist Coverage (UM)
If a driver or owner of a vehicle does not have insurance and is legally liable for an accident, you can use UM coverage for injuries, including death, that you, your resident relatives, and occupants of your insured vehicle sustain, up to the limits you select. Certain exclusions may apply. Refer to your policy.
Underinsured Motorist Coverage (UIM)
If a driver or owner of a vehicle is legally liable for an accident but does not have enough insurance, you can use UIM coverage for injuries, including death, that you, your resident relatives, and occupants of your insured vehicle sustain, up to the limits you select. Certain exclusions may apply. Refer to your policy.
Uninsured/Underinsured Motorist Property Damage Coverage (UMPD)
If driver or owner of a vehicle is legally liable for an accident but does not have insurance or does not have enough insurance, you can use UMPD to cover damage to your insured vehicle, up to the limits you select. In some states, UMPD is available as an alternative to Collision coverage. Certain exclusions may apply. Refer to your policy.
     
Personal Injury Protection (PIP) Coverage
PIP is a coverage in which the auto insurance company pays, within the specified limits, the medical, hospital and funeral expenses of the insured person, people in the insured vehicle and pedestrians struck by the insured vehicle. PIP is the basic coverage implemented in no-fault automobile insurance states.
Medical Payments (MedPay) Coverage
Med Pay is an optional insurance coverage that pays for reasonable and necessary medical and funeral expenses for covered persons. These expenses must be incurred as a result of an auto accident.
 
     
Deductible
A deductible is the amount you agree to pay out of pocket for damage resulting from a specific loss or accident. Generally, choosing a higher deductible will lower your premium.
Comprehensive Coverage
If your insured vehicle is damaged due to an event other than a collision, Comprehensive coverage will pay for the damage. This includes damages from fire, theft, windstorm, flood and vandalism. If your vehicle is stolen, Comprehensive covers transportation and loss of use expenses when applicable.
Collision Coverage
When your insured vehicle overturns or collides with another object, Collision coverage pays for the damage to your vehicle. Collision coverage also may extend to a non-owned vehicle or one rented for personal use that is in your custody or that you are operating. Certain exclusions may apply. Refer to your policy.
     
Rental Reimbursement Coverage
Rental Reimbursement provides rental car coverage if you have a claim that is covered under Comprehensive or Collision coverage. Daily rental amounts are subject to the limit purchased.
Roadside Assistance Coverage
Roadside Assistance provides services such as towing, flat tire change, locksmith service and battery jump-start to customers, who can elect the service for an additional premium if it is not already included with their insurance policy.
Full Coverage
"Full coverage" is a common term that people use to describe how much auto insurance coverage they have. Though there is no such thing as "full coverage," it often implies that the policy has more than just Liability coverage.