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You can call your local office 24 hours
a day to talk to a live representative
and inquire about any of the
insurance services
listed below.

Insurance Services

Auto •  Motorcyle  •   Renters  •  Boat •   Condo  •  Life •  Business

Auto Insurance:

Bodily Injury Liability
This coverage applies to injuries that you, the designated driver or policyholder, cause to someone else. You and family members listed on the policy are also covered when driving someone else's car with their permission.

It's very important to have enough liability insurance, because if you are involved in a serious accident, you may be sued for a large sum of money. Definitely consider buying more than the state-required minimum to protect assets such as your home and savings.

Property Damage Liability
This coverage pays for damage you (or someone driving the car with your permission) may cause to someone else's property. Usually, this means damage to someone else's car, but it also includes damage to lamp posts, telephone poles, fences, buildings or other structures your car hit.

Collision Coverage
This coverage pays for damage to your car resulting from a collision with another car, object or as a result of flipping over. It also covers damage caused by potholes. Collision coverage is generally sold with a deductible of $250 to $1,000 - the higher your deductible, the lower your premium. Even if you are at fault for the accident, your collision coverage will reimburse you for the costs of repairing your car, minus the deductible. If you're not at fault, your insurance company may try to recover the amount they paid you from the other driver's insurance company. If they are successful, you'll also be reimbursed for the deductible.

Comprehensive Coverage
This coverage reimburses you for loss due to theft or damage caused by something other than a collision with another car or object, such as fire, falling objects, missiles, explosion, earthquake, windstorm, hail, flood, vandalism, riot, or contact with animals such as birds or deer.
Comprehensive insurance is usually sold with a $100 to $300 deductible, though you may want to opt for a higher deductible as a way of lowering your premium.
Comprehensive insurance will also reimburse you if your windshield is cracked or shattered. Some companies offer glass coverage with or without a deductible.
States do not require that you purchase collision or comprehensive coverage, but if you have a car loan, your lender may insist you carry it until your loan is paid off.

Medical Payments Coverage
This coverage pays for the treatment of injuries to the driver and passengers of the policyholder's car. At its broadest, PIP can cover medical payments, lost wages and the cost of replacing services normally performed by someone injured in an auto accident. It may also cover funeral costs.

Uninsured/Underinsured Motorist Protection
This coverage will reimburse you, a member of your family, or a designated driver if one of you is hit by an uninsured or hit-and-run driver.
Underinsured motorist coverage comes into play when an at-fault driver has insufficient insurance to pay for your total loss. This coverage will also protect you if you are hit as a pedestrian.

Motorcycle Insurance

There's no way around it: Anytime you're on the road, there's a chance you might get injured. One of the most important things you can do is make sure your motorcycle insurance coverage can help with medical bills if you should get into an accident.

Medical Payments
Medical Payments typically covers reasonable and necessary medical expenses that are the result of any injury to you or your passengers. Some examples of expenses that might be covered include ambulance, hospital, x-ray, dental, and surgical.

Personal Injury Protection
If you're hurt in an accident, or worse, expenses could add up faster than you imagine. That's where this coverage can help, with reimbursements for:

  • Medical and hospital expenses
  • Lost income
  • Services you would normally do yourself
  • Funeral expenses
  • Child care expenses

You're typically covered regardless of who was at fault. Personal Injury Protection is only available in certain states.

Take care of your bike and it'll take care of you, right? There are three kinds of motorcycle insurance coverage that typically help get your bike back on the road.

Collision
A collision almost always means damage to your motorcycle. And that's just what this coverage is for.

It typically covers damages to your motorcycle that result from a collision with another object, which could include another car or motorcycle, a tree, or a building.

Comprehensive
It doesn't always take two vehicles to make an accident. Comprehensive Coverage typically covers your bike if it's damaged by:
  • Flooding
  • Wind
  • Vandalism
  • Theft
  • Some other reason that doesn't involve a crash with another vehicle

You get to choose the amount of your deductible (the amount you pay before eligible coverage kicks in). Comprehensive Coverage typically covers the cost of repairing or replacing your bike, up to the actual cash value.

Uninsured/Underinsured Motorist Bodily Injury
If an accident isn't your fault, you don't want to pay for the other guy's mistake. Especially if he doesn't have enough insurance coverage or any at all. This coverage typically covers damages that result from the injury or death of you or a passenger on your motorcycle caused by an uninsured or underinsured driver. Different states have different requirements for which coverage to have and how much.

If you're in an accident, there's a good chance someone else was involved. And if you're at fault, you'll want strong motorcycle liability insurance.

Property Damage Liability
If you're at fault in an accident and cause damage to others' property, Property Damage Liability Coverage typically covers damages that result from the damage to another person's property when you are at fault. Some of the things you may be liable for include vehicles, private residences, and storefronts and other structures.

Bodily Injury Liability*
If you're at fault in a crash, it might be your responsibility to cover the medical bills for your passenger or the other driver. In a case like that, Bodily Injury Liability typically covers damages that result from the injury or death of another driver or a guest passenger on your motorcycle when you are at fault.

Some of the things you may be liable for include medical expenses, lost wages, and pain and suffering. (In most states, bodily injury to guest passengers on your motorcycle is automatically provided under this coverage. In other states, you can pay an additional premium so that Bodily Injury Liability also applies to guest passengers.)

*In some states, bodily injury to a passenger is covered separately under Passenger Liability coverage.

Renters Insurance Coverage

A renters insurance policy can help protect your personal property from fire damage, theft, and vandalism while also providing liability protection for your visitors and guests. Given electronics, jewelry, clothing and more, research has shown the average renter owns $30,000 in personal property. (Actual values may vary throughout the U.S., and $30,000 is a rounded estimate of personal property value for a standard two-bedroom apartment.)

Your renters insurance policy typically includes:

  • Personal Property Protection - Covering the loss or damage of a renter's personal belongings usually on and, in most cases, off of your premises.  Do you know how much your belongings are worth? The figure is often much more than our customers initially think. Taking the time to assess what you own, and to understand how your coverage works, can help you make sure everything you value is adequately covered.
  • Liability Protection - Providing legal representation and protection against judgments for covered events. 

Liability Insurance helps protect you against the financial uncertainty arising from injury (or property damage) that you or your family may cause to other people. It typically even covers injuries whether they happen on or away from your property.

What Does Liability Insurance Cover?

In the event that you or anyone in your household is accused of accidentally causing injury or damage to property, your insurance coverage can help by providing for legal defense fees and, in the event of a settlement or judgment, can pay damages (up to your policy limit).

Imagine if you didn't have liability insurance. Any of your following assets could be at stake:

  • Retirement accounts (IRA, 401(k), pension plans)
  • Non-retirement investments (stocks, bonds, mutual funds)
  • Liquid assets (checking, savings, CDs, money market accounts)
  • Personal property (actual value of all your possessions if you sold them: cars, boats, jewelry, furniture, etc.)
  • Home and other real estate equity

Guest Medical Protection Generally covers medical costs for visitors injured at a renter's home.

Guest medical coverage, included in most residential insurance policies, provides protection for your guests, should they be injured in or around your home accidentally.

Typically, policyholders with guest medical coverage can feel confident in their ability to help pay for reasonable and necessary medical expenses (up to policy limits) caused by accidents at your home that are not covered by liability protection.

What Types of Expenses May Be Included in Guest Medical Coverage?

Usually, reasonable medical expenses incurred to resolve a medical emergency (that happened in your home or on your property) and reimbursed include such items as:

  • Medical
  • Surgical
  • X-ray
  • Dental
  • Ambulance
  • Hospital
  • And much more
  • Reimbursed Living Expenses - Reimbursement for costs of temporary housing, should it be necessary.

If You Can't Live in Your Home for Awhile
It sure is nice to have the resources to pay for comfortable living quarters if you ever have to rebuild your home. It would be tough enough to have to go through the reconstruction. Spending six months in your in-law's guest room could be the real tragedy. But temporary housing isn't cheap — imagine the added cost of renting an apartment to your monthly budget.

If a covered loss puts you out of your home, many homeowners policies will cover the reasonable increases in expenses needed to maintain your normal standard of living. This may include payments for a temporary housing, food, rental income (optional coverage for some policies) and other expenses.


Boat Insurance

Every boat's got a different story. You can put together a boat insurance policy that fits your style and your personal watercraft perfectly.

How We Cover You

There's no way around it: When you're out on the water there's always a chance that something might go wrong. One of the most important things you can do is make sure you'll have help with medical bills if you should get hurt in an accident.

Medical Payments Coverage
If you or someone in your household gets injured on a boat covered in your policy, this coverage typically helps take care of the medical expenses that come afterward.

When you're in the boat, you're covered-and so are your passengers. Water-skiers being pulled behind the boat are also covered. If you or your passengers should get injured by another boat while swimming near your boat, Medical Payments coverage typically kicks in then, too. The limit you choose for this coverage will decide how much that coverage could be.

How We Cover Your Boat

When something goes wrong, good boat insurance coverage could mean the difference between sinking and swimming.

Physical Damage Coverage
This optional coverage typically takes care of your boat, motor, and trailer all the time-when you're storing it, hauling it, launching it, or out on the water. If it's stolen, vandalized, or damaged by wind, hail, lightning, fire, or explosion, this coverage can help. It also covers emergency service (up to $100), wreck removal, and other boat equipment.

You can choose a different amount of Physical Damage coverage for each boat on your boat insurance policy. You'll also need to choose a deductible. (If you have to file a claim, that's the amount of money you'll need to pay before your coverage kicks in.) You can pick a different deductible for each boat on your policy.

How We Cover the Rest

If you're in an accident, there's a good chance someone else was involved. And if you're at fault, you'll want strong liability coverage.

Watercraft Liability Coverage
Even the safest boat operator can have a bad day. And this coverage typically makes a big difference If you or someone else in your household has a boating or jet ski accident that:

  • damages a dock,
  • damages another boat, or
  • injures someone else (including a swimmer or water skier).

Want a lot of coverage, or just a little? It's your call.

Coverages and discounts are subject to availability and qualifications. Other terms, conditions and exclusions may apply.

Condominium Insurance

Condo Association Got You Covered? Better Think Again.

If something happens to your condo or townhome, it may be up to you to replace things like drywall, flooring, cabinets, light fixtures, and more. That's where condo insurance comes in. Many condominium associations only insure the building's structure and common areas, typically leaving each unit's interior construction to the homeowner. (However, condo or townhome association coverages may also vary by state.)

  • Family Liability Protection
    Provides legal representation and insurance against judgments

  • Guest Medical Protection
    Covers medical costs for visitors injured at your home

  • Additional Living Expenses
    Reimbursement for additional costs of temporary housing during reconstruction

  • Building Property Protection
    Condo owners are typically responsible for insuring their units, and the association is generally responsible for the exterior of the units and the association's property - though that may vary based on the individual state or association requirements.

    Building property coverage helps protect real property you own (such as fixtures and other installations that are not typically considered personal property) from damage by events such as fire or vandalism. It typically does not include real property that the association or the other condo owners' units.

  • Replacement Coverage
    Many policies feature this coverage which allows you to receive the full purchase price of lost items at the time of the claim.

Insurance Discounts & Savings

We've got many ways you can save on the cost of condo insurance.

  • Multi-Line (Condo & Auto) - Save up to 15% depending on the state in which you live as well as the type of condo (or townhome) and automobile you have.
  • Protective Devices - Save up to 15% depending on the combination of installed protective devices you have.
  • 55 or older and retired - You may save up to 10-25%.

Life Insurance

Simply put, life insurance gives your loved ones financial security after you're gone. You pay a monthly premium, and if the unexpected happens, your loved ones get a death benefit they can use for things such as medical bills, funeral expenses, outstanding mortgage, college tuition and even living expenses.

Who Needs Life Insurance

  • Parents who want to make sure their children are cared for
  • Those with debts they don't want to pass on to loved ones
  • People who want to lock in a lower insurance rate while they're young
  • Homeowners who want to make sure their family can pay off the mortgage if they should die
  • Families who rely on a stay-at-home parent
  • If you have a life insurance policy through your employer, because your policy does not go with you when you switch jobs
  • Entrepreneurs who want to protect their business
  • Those who want to leave a legacy for their children and grandchildren

How Life Insurance Helps

Life insurance helps you plan ahead, so your family will be taken care of even if you can't be there for them.

The cash benefit paid out by life insurance can protect a lot of important things:

  • If your spouse is depending on your income for retirement, it can keep those plans on track.
  • If you've got a mortgage, it can pay off that debt so your family won't lose their home.
  • And if you want your kids to go to college, or you want to leave money behind for them, it can do exactly that.

The other great thing about the benefit of life insurance is that it's generally paid out tax-free. So when you look at the amount of coverage you want to buy, what you see is what you get. There's no guesswork about how much gets taken out in taxes after your life insurance benefits have been awarded.

As you can see, life insurance is very flexible. That's why it makes sense for a lot of people, even if they all have different goals.

Term Life Insurance: This coverage lasts for a "term" you choose, usually 10, 15, 20, or 30 years. During that time, your life insurance premiums are guaranteed not to increase. If you pass away during that time period, your beneficiaries get a cash death benefit. If you live longer than the term period, you have the option to continue your life insurance coverage for an annual, renewable premium, which is generally much higher. You can usually convert a term life insurance policy to a permanent life insurance policy without getting a new medical exam.

Permanent Life Insurance: There are two big ways that permanent life insurance is different from term life insurance. First, the policy is meant to last the rest of your life (as long as you make the required premium payments, of course). Second, part of the money you pay into your permanent life insurance policy is set aside in an account where it can grow cash value that you can tap into later on. There are several types of permanent life insurance, each with different advantages.

Business Insurance

Your business is one-of-a-kind, so you may need flexible business and commercial vehicles insurance plans as unique as your company to help protect everything you've worked so hard to build.

That's why you should consider us to help handle your business insurance needs. Because we've helped protect all kinds of businesses for over 60 years, you can be confident you'll get the personalized products and service you expect from an insurance industry leader.

Understand Your Business Risks and Liabilities

Business owners often realize the impact of liabilities, rate increases, etc. relative to a commercial vehicle accident, but they may not consider some of the broader impacts to their business on revenue loss, broader commercial liability, and more.

Our team offers several services to help in ensuring your coverage, liabilities and risk issues are better evaluated in choosing the best insurance policy for you. Ask about all of our services to help you better align your risks, coverage's and budgets. We can help you with...

  • Loss-Control Evaluations
  • In-depth Risk Assessment & Commercial Liability Planning
  • And much more