Personal Liability Umbrella Policy

Accidents can happen anytime, anywhere. What if your teen driver broadsides another car? Or a guest slips in your home and gets seriously injured? They're called accidents for a reason; however, you may be held liable for damages in an amount that is greater than your regular liability coverage allows. Feel more protected with Personal Umbrella coverage.

Long Term Care Insurance

One of the greatest challenges a retired person has is in regard to the possibility of outliving their retirement and assets. This problem compounds considering most people would like to leave an inheritance to their family. A person works hard and sacrifices much when saving for their future retirement. Of all the financial risks that a retired person has, the greatest is the possibility of getting sick and needing extended care without having a plan of care in place.

Disability Insurance

Why should yo purchase Disability Insurance? Disability Insurance covers your most important assets… your ability to work and earn income. Most people would not be able to continue supporting their family or maintain their business if they were unable to work for an extended length of time due to an illness or injury. With the appropriate Disability coverage in place, you can be confident that a significant portion of your income is protected should an illness or injury occur.

Life Insurance

Life insurance is a crucial step in planning for your future and the future of your loved ones.

• Life Term Insurance provides life insurance protection for a specified period of time. Term life is sometimes convertible to permanent coverage, providing you with flexibility as your needs change.

• Whole Life Insurance is a form of permanent life insurance that remains in force for your entire lifetime, provided premiums are paid as specified in the policy.

• Universal Life Insurance is a form of permanent life insurance characterized by its flexible premiums, face amounts and unbundled pricing structure. The savings element, premiums and death benefit can be reviewed and altered as a policyholder’s circumstances change.

• Key Person Planning
• Buy/Sell Planning
• Business Continuation
• Split Dollar
• Deferred Compensation

• Auto Insurance
• Homeowners/Condos/Renters/Dwellings
• Personal Liability Umbrella Policy

• General Liability
• Commercial Auto
• Business Owner Policy (BOP)
• Commercial Property
• Workers' Compensation
• Professional Liability (Errors & Omissions (E&O) Insurance)