No two homes are exactly alike. Buying a policy "off the shelf " without a plan can result in a difference between what you need and what you’re paying for. Your homeowner’s policy should reflect the uniqueness of your home and your lifestyle. Whether you own a house, mobile home, a condominium or rent an apartment, for most people their home is their most important investment. As a leader of quality protection we have developed one of the most outstanding reputations of offering the highest rated homeowners insurance plans in America today. We believe that an insurance company should do more than pay for financial losses incurred in the home: It should help prevent losses and accidents, and offer policies flexible enough to meet your individual needs. Above all, provide you with the security that comes only from the knowledge that your home is safe.

For this reason the companies we represent continue to receive the highest ratings from the insurance industry's leading analysts and rating authorities.

We can offer you:

• Many coverages to protect both you and your property, including flood insurance.
• Responsive and caring Claims service.
• Property insurance at an affordable price.

This section of our Web site offers helpful information regarding Homeowners, Condominium and Renters insurance. Using this comprehensive tutorial, you can find out about coverage amounts, choosing a policy, different types of home insurance, and much more, each designed to help you achieve a level of insurance protection you can be comfortable with.

Enjoying the freedom and mobility your vehicle provides is part and parcel of the American dream. Our job is to help you protect that dream.

Choosing the right automobile insurance coverage can be a confusing experience for most people. With different Liability limits, Comprehensive, Collision, Personal Injury Protection and Medical coverages to choose from it's easy for most consumers to make simple mistakes that could quickly become a drastic consequence towards their financial stability & well being.

The value of good automobile insurance doesn't become apparent until you really need it. Whether it's a minor fender bender or a more substantial accident, it pays to have insurance coverage you can count on.

We offer competitive premiums and complete coverage for all your vehicles.

Coverages can include:

• Preferred and standard auto.
• Commercial Auto
• High risk auto.
• Motorcycle.
• Motor homes.
• Camping trailers, travel trailers, utility trailers.
• Recreational vehicles: all-terrain vehicles, trail bikes, golf carts, mini bikes, dune buggies, jet skis and wet bikes.
• Antique, classic or special-interest cars.

As an independent insurance agency it's our job to represent you, the client. Consistently working to provide the individual coverage you require. When it comes to protecting your auto(s), don't leave it up to chance.. being insured with the best certainly has its advantages.

Throughout this section of our Website, our focus is to provide you with empowering information that enables you to better understand the many options involved in automobile insurance.

We know just how important your business is to you. As a business owner you have a lot to protect. That's just one of the reasons why we take the time to...

• Analyze your business needs.
• Develop a plan that is customized and responsive to your own specific situation.
• Offer you competitive pricing that is reflective of your exposure and experience.

Running a business in today's economy is a challenge, but can also be very rewarding. Although keeping up with day-to-day operations takes up most of your time, you also must take all necessary precautions to safeguard your business from loss. Whether you own an office building or a coffee shop, we offer the right combination of coverages to meet your needs.

Our many products and coverages can be tailored to meet your business insurance needs. Furthermore, our Business Policies are customized and responsive to your specific needs, no matter how big or small. As your quality independent insurance agency we can offer the following insurance coverages for your business.

• Commercial Automobile - this coverage is available to protect your business from the liability associated with operating automobiles. Coverage is available for owned, non-owned, and hired vehicles including autos, trucks, vans, tractors and trailers. Physical damage coverage is also available.


• Commercial Liability - provides coverage including defense for liabilities associated with operating a commercial business enterprise. Policies are tailored to meet the specific risk management needs of your business.


• Commercial Property - provides coverage for your buildings and contents. Coverages range from specific named-perils policies to broader all-risk policies.


• Directors & Officers - designed to protect the directors and officers of your organization from damages and defense costs due to civil claims, claims of negligence, and of errors and/or omissions.


• Employment Practices Liability - provides coverage for defense costs and liability arising from allegations of improper employment practices, sexual harassment, and discrimination.


• Flood Insurance - When a flood hits, will you be ready? Don't wait for Mother Nature to make the first move in the game of flood risk. It's your responsibility to know the facts about floods and flood insurance. Get informed. Get covered. Get ready for anything.


• Home Based Business - homeowners insurance does not necessarily cover many home business-related claims. This could mean a major loss of income, as well as other significant losses, for your home business. If you have a home based business consider contacting us to discuss proper coverage options that offer both protection and affordability.


• Inland Marine - provides coverage for business assets and hardware while these items are off premises.


• Ordinance or Law Coverage - one of the most needed types of coverage is also one of the most commonly overlooked, or even known about, by consumers. It's called Ordinance or Law Coverage. As your building becomes older certain changes in your county's building codes and ordinance change to reflect new standards for construction. If your older property suffers a substantial loss, fixing it may require a higher construction standard to reflect new laws, therefore simply replacing your property as it was just isn't good enough to meet these new laws and codes. Ordinance or law coverage pays for these upgrades in building standards.


• Professional Liability - provides coverage for defense costs and awards for liability arising from improper professional practices and errors and omissions in the conduct of business activities.


• Special Event Coverage - provides third party liability coverage for a short term special event.


• Umbrella and Excess Liability - this coverage complements your property/liability program and provides additional limits of coverage. In today's litigious society, smart business people protect their investment with umbrella coverage.


• Workers' Compensation - this coverage is designed to meet the workers' compensation laws of your state. Workers' compensation coverage provides protection for injured workers and supporting protection through employer's liability coverage.

The companies we represent may even offer you the opportunity to package many of these coverages within a single policy.

Just like other forms of insurance, for your car and your home, health insurance helps relieve the burden of unexpected events: you put away a little in case you need a lot later. You and your family's health should be of the highest priority.

Every year, the cost of healthcare increases dramatically. Simple same-day surgeries, required tests and emergency attention can add up to thousands of dollars or more.

The overall benefits of health insurance are obvious. You won't be avoiding the doctor because it costs too much. The hospital bills won't be piling up on your desk waiting for attention. Plus, your health insurance will provide the help and care you need and demand. Also, if you drive a car, health insurance will work cooperatively with your auto insurance in case of an accident.

There are many health insurance companies available, offering various types of plans. We are much more than capable to get you the best plan and coverage to suit your specific needs & desires.

Personal Liability insurance protects your assets in the event that you (or a member of your household) accidentally injure another person or damage someone's property. It's known as "third-party insurance," because it protects you if a third party files a claim against you. Liability insurance will pay for a legal defense in the event of a lawsuit, and pay medical and/or property claims for which you are found legally liable, up to the limits of the policy. Personal liability insurance can be purchased as part of a package policy (such as homeowners, renters, or auto insurance), or as a separate policy (such as a personal umbrella liability policy).

Naturally, no one expects to be sued. But a good personal liability policy can definitely help to protect both your family, and your future.

Our unique approach to service distinguishes us from others in our industry. Not only does it take a large commitment, but requires great consistency. Consistency refers to meeting with clients on a regular basis and forging partnerships typically unseen. We are not the "cookie cutter" agency who delivers the renewal pricing and visits you on a relatively infrequent basis.

Likewise, our approach requires that our clients display a deep desire to involve themselves in the program. In concert with you, we will control loss experience, manage employee's health and wellness and positively influence future premiums.

What We Offer

Regardless of your plan and carrier selection we will assist in the following areas:

• Plan Design
• Program Implementation
• Orientations
• Employee Communication
• Enrollment
• Account Reconciliation
• Single Point Billing if desired
• Health and Wellness Education
• Carrier Communication
• Employee/Carrier Intervention

Results will be measured as we deliver:

• Greater Employee Participation
• Improved Employee Morale
• Enhanced Communication
• Better Claims Experience
• Premium Increase Control
• Reduced Employer Administrative Obligations
• Heightened Awareness of Health and Wellness

Products & Services

• Group Medical
• Group Disability (Long & Short Term)
• Group Life
• Group Dental
• Group Vision
• Employee Assistance Services
• Group Long Term Care
• Prepaid Legal Services
• Human Resource Consulting
• Payroll Administration
• Single Point Billing & Acct Reconciliation
• Health & Wellness Programs
• Supplemental (Payroll Deduction)
• Employee Leasing
• 401-K
• Cafeteria Plans
• Health Savings Accounts
• Self Insured Plans

Defining Your Needs Is The Place To Start

Life insurance is simply protection to ensure that your family will have financial security when you die. If something should happen to you, how will they be able to continue doing the things they take for granted, like live in a nice home, continue their education, or create a retirement nest egg without you? Life insurance can help to provide the answer. In this section, we'll help you begin to think about Life insurance. We'll take a look at the two basic types of Life insurance, how to achieve an appropriate level of Life insurance, how to read your policy and address typical planning concerns. All designed to provide you with a framework for considering how much life insurance you need.

There are many reasons for purchasing life insurance among which are the following:

• Family protection to provide financial security to surviving family members on the death of the insured person.
• To pay for children's education.
• Insurance to cover a particular need such as paying off a mortgage or consumer debt upon the insured's death.
• Business insurance to compensate a company on the death of a key employee or to provide a surviving partner the resources to buy out the deceased partner's share of the business.
• To provide funds to pay estate taxes or other final obligations necessary to settle a deceased person's estate.
• To provide the funds necessary for the deceased person's burial expenses.
• Accumulation of funds to supplement retirement income.

Long-Term Care Insurance helps you protect your assets and maintain your financial security should you need long-term care later in life. While no one likes to think about the escalating costs of nursing homes and other elder care expenses, planning now can provide you - and your family - peace of mind now and in the future.

What is long-term care?

The phrase "long-term care" refers to a broad range of medical and personal services. Long-term care goes beyond standard hospitalization and nursing care, and includes all the assistance you could need if you are unable to care for yourself for an extended period of time. The need for such care could be the result of a chronic illness or disability, or it could arise because of physical or mental impairments that prevent you from performing basic activities of daily living (feeding and dressing yourself, bathing, etc.).