Insurance Products

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.

• Get a Personal Auto Quote Request
• Get a Homeowner Quote Request
• Get Limit Guidelines from the Wizard
• Let the Wizard Estimate the Cost to Replace Your Possessions
• FAQs
• Glossary
• Articles and Checklists in Risk Alerts
• Request More Information
• Link to our Personal Package page

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

• Get a quote for Homeowner, Condo Owner, Renters Insurance
• Get Limit Guidelines from the Wizard
• Let the Wizard Estimate the Cost to Replace Your Possessions
• FAQs
• Glossary
• Articles and Checklists in Risk Alerts
• Request More Information
• Link to our Homeowner, Condo Owner, Renters Insurance page

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.

• Get a quote for Personal Auto Insurance
• Get Limit Guidelines from the Wizard
• FAQs
• Glossary
• Articles and Checklists in Risk Alerts
• Request More Information
• Link to our Personal Auto Insurance page

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.

• Get a quote for Antique, Classic and Customized Automobile Insurance
• FAQs
• Glossary
• Articles and Checklists in Risk Alerts
• Request More Information
• Link to our Antique, Classic and Customized Automobile Insurance page

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.

• Get a quote for Boat Insurance
• Get Limit Guidelines from the Wizard
• FAQs
• Glossary
• Articles and Checklists in Risk Alerts
• Request More Information
• Link to our Boat Insurance page

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.

• Get a quote for Flood Insurance
• FAQs
• Glossary
• Articles and Checklists in Risk Alerts
• Request More Information
• Link to our Flood Insurance page

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.

• Get a quote for Personal Umbrella
• Get Limit Guidelines from the Wizard
• FAQs
• Glossary
• Articles and Checklists in Risk Alerts
• Request More Information
• Link to our Personal Umbrella page

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.

• Get a quote for Recreational Vehicle Insurance
• FAQs
• Glossary
• Articles and Checklists in Risk Alerts
• Request More Information
• Link to our Recreational Vehicle Insurance page

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.

• Get a quote for Bonds
• FAQs
• Glossary
• Articles and Checklists in Risk Alerts
• Request More Information
• Link to our Bonds page

Builders Risk Insurance is often used with a different term that describes what the insurance does - Course of Construction Insurance. Builders Risk Insurance covers a building, and typically all materials during construction. Protection can be extended for the work of individual contractors, architects and engineers. Optional coverage can often be added for costs not directly related to construction such as marketing, loss of income and delayed completion.

• Get a quote for Builders Risk Insurance
• FAQs
• Glossary
• Articles and Checklists in Risk Alerts
• Request More Information
• Link to our Builders Risk Insurance page

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.

• Get a quote for Business Auto Insurance
• FAQs
• Glossary
• Articles and Checklists in Risk Alerts
• Request More Information
• Link to our Business Auto Insurance page

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.

• Get a quote for Business Owners Policy
• FAQs
• Glossary
• Articles and Checklists in Risk Alerts
• Request More Information
• Link to our Business Owners Policy page

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.

• Get a quote for Commercial General Liability
• FAQs
• Glossary
• Articles and Checklists in Risk Alerts
• Request More Information
• Link to our Commercial General Liability page

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.

• Get a quote for Commercial Package Policy
• FAQs
• Glossary
• Articles and Checklists in Risk Alerts
• Request More Information
• Link to our Commercial Package Policy page

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.

• Get a quote for Commercial Property Insurance
• FAQs
• Glossary
• Articles and Checklists in Risk Alerts
• Request More Information
• Link to our Commercial Property Insurance page

Commercial Umbrella Insurance is sometimes used interchangeably with Excess Liability Insurance. The two are really different; an umbrella insurance policy will 'reach down' to provide coverage in gaps between other business insurance policies while a true excess insurance policy is intended to provide extra limits of insurance on top of coverage provided by other business insurance policies that are in place.

• Get a quote for Commercial Umbrella Insurance
• FAQs
• Glossary
• Articles and Checklists in Risk Alerts
• Request More Information
• Link to our Commercial Umbrella Insurance page

There are several types of Surety Bonds for contractors: Bid Bonds, Performance Bonds, Payment Bonds, License Bonds and Supply Bonds are a few. In general, surety bonds assure a project owner that they can rely on contractor performance, ability to make payments to certain other parties (sub-contractors, e.g.), good faith bid submissions and so on. The issuer of sureties, usually an insurance company subsidiary, investigates the abilities of a contractor and, in the event of a valid claim, will make reimbursement for non-performance according to the terms of the surety.

Information Needed for General Agreement of Indemnity:

1. Federal ID Number of each corporation
2. Full Name and Social Security Number of each stockholder and their spouses
3. Home Address of each stockholder and their spouses
4. Legal Name and Address of Corporation.
5. For Bid Bond Purposes - State(s) of Incorporation

• Get a quote for Contractors Bonds (Contractors Surety Bonds)
• Request More Information
• Link to our Contractors Bonds (Contractors Surety Bonds) page

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.

• Get a quote for Contractors Liability
• FAQs
• Glossary
• Articles and Checklists in Risk Alerts
• Request More Information
• Link to our Contractors Liability page

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.

• Get a quote for Directors and Officers Liability Insurance
• FAQs
• Glossary
• Articles and Checklists in Risk Alerts
• Request More Information
• Link to our Directors and Officers Liability Insurance page

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.

• Get a quote for Employment Practices Liability Insurance (EPLI)
• FAQs
• Glossary
• Articles and Checklists in Risk Alerts
• Request More Information
• Link to our Employment Practices Liability Insurance (EPLI) page

A wide variety of 'ocean' risks can be protected by this policy form. Both inland and ocean going vessels and their cargo can be covered under Ocean Marine Insurance. Working boats and ships as well as pleasure craft and even offshore oil rigs fall under this category of protection. Coverage extends to vessels themselves as well as cargo and liability and can be purchased not only by the vessel or cargo owner but often by anyone with an interest in or responsibility for insurable property.

• Get a quote for Ocean Marine Insurance
• FAQs
• Glossary
• Articles and Checklists in Risk Alerts
• Request More Information
• Link to our Ocean Marine Insurance page

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.

• Get a quote for Professional Liability Insurance
• FAQs
• Glossary
• Articles and Checklists in Risk Alerts
• Request More Information
• Link to our Professional Liability Insurance page

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.

• FAQs
• Glossary
• Articles and Checklists in Risk Alerts
• Request More Information
• Link to our Trucking Insurance page

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.

• Get a quote for Workers' Compensation Insurance
• FAQs
• Glossary
• Articles and Checklists in Risk Alerts
• Request More Information
• Link to our Workers' Compensation Insurance page