Many of businesses are looking for All-in-one insurance package. A package that is tailored to your company is able to protect it from shortcomings and financial strain. What’s more, a one-stop-shop for reliable insurance saves time and money.
Commercial business insurance provides wide-ranging protection for businesses and their subsidiaries under a single policy. There are various types of commercial business insurance that takes care of property, liability and workers’ compensation, to name a few. While property insurance covers damages to business property and products stored within the premises; liability insurance provides coverage for damages to third parties; and workers’ compensation insurance covers injuries to employees.
Commercial business insurance is an important aspect of any business that cannot be ignored especially if the business premises are leased or rented and even otherwise. Whatever your commercial insurance needs, we can design a protection program that’s right for you.
Most people get their first homeowners insurance policy to satisfy the bank holding the mortgage, but Homeowners insurance can give you the protection that you need to keep your personal property safe.
For many, Home Insurance is our most valuable protection. The time to think about the unthinkable disaster is before it happens to you. If your home were damaged or destroyed, insurance can help you repair or rebuild your home and replace damaged possessions. Your bank or mortgage company may refer to this insurance coverage as home insurance, homeowner insurance, hazard insurance, fire insurance or even HOI, Home Owner Insurance.
The main purpose of Homeowners Insurance or Fire Insurance is to protect you against losses you cannot afford. Few people have the financial resources to rebuild their homes. In addition, to protecting your home and possessions, homeowners insurance also provides liability coverage to protect you from financial ruin if someone is injured on your property and sues for damages.
A homeowners insurance policy consists of coverage for your dwelling and your personal property. It also includes liability insurance which pays for injuries to other people or damages to their property accidentally caused by you, your family or your pets. You also can buy several types of additional insurance for property that is not listed in your homeowners policy or for perils not covered — such as flood — for which you need a separate policy. You do this by either buying a separate policy or by adding an endorsement or rider to your policy.
Keep in mind that in the event of a covered loss, your Home Insurance policy will provide coverage for the following:
Dwelling Insurance Coverage: Also known as Building Insurance. This coverage will cover not only your House as a building, but also your major kitchen appliances, your flooring, your built-ins, your bathroom upgrades, your light fixtures, molding, trim, and woodwork.
Personal Property or Contents Coverage: Will cover your belongings in the unit, these include furniture, electronic devices, clothing, books, kitchen items & supplies, bedding, decorations and small appliances. Basicially, if you were to move, the items that would come with you with some exceptions.
Liability Insurance Coverage: Will cover you against a suit brought against you in the event hat someone gets injured at your home or if someone in your building sustains damage to their to their property as a result of a covered loss.
We will work for you to find superior home-insurance that fits your needs within your budget.
When you buy an auto insurance policy, you are buying a package of individual coverages. Each coverage protects you against different types of losses. Once you understand the various coverages, you can decide which ones to include in your personal insurance package. You can also determine the limits of coverage you will need. The following are some common coverages found in an auto policy. NOTE - Your policy may not contain all of these coverages.
Bodily Injury (BI) Liability Coverage: Pays, up to the coverage limits, for damages due to injury or death of others in a vehicle accident for which you or the operator of your vehicle are legally responsible. It also pays your legal defense costs. In most states this coverage is mandatory.
Property Damage (PD) Liability Coverage: Pays, up to the coverage limits, for another individual's vehicle or property that has been damaged in an accident for which you or the operator of your vehicle is legally responsible. In most states this coverage is also mandatory.
Medical Payments Coverage: Pays, up to the coverage limits, for reasonable and necessary doctor, hospital and funeral expenses for you and your passengers injured or killed in an accident, regardless of who is at fault. Payments are usually limited to one to three years after the accident. This coverage is optional in most states without no-fault insurance systems.
Uninsured/Underinsured Motorists (UM/UIM) Coverage: Pays up to the coverage limits for pain and suffering which is not covered by medical, disability and PIP. Underinsured motorist coverage pays for bodily injury to you or your family resulting from the negligence of someone whose liability insurance limits are insufficient. The definition of an underinsured motorist varies from state to state.
Collision Coverage: Pays, up to the coverage limits, for damage to your vehicle or a vehicle you are operating caused by a collision or rollover. This coverage is usually required if you have a vehicle loan.
Comprehensive Physical Damage Coverage: Pays, up to the coverage limits, for damage to your vehicle or any vehicle in your custody resulting from theft, fire, vandalism, flooding, hail or other perils (but not damage by collision or overturning). It is usually required if you have a vehicle loan.
Rental Reimbursement: Pays up to a specified amount for rental vehicle charges while your vehicle is being repaired for damage covered under your policy. If you prefer not to incur the cost of renting a vehicle yourself and cannot be without a vehicle while yours is being repaired, you might consider this coverage.
Towing and Labor: Covers some costs incurred for services rendered at the place of breakdown or for towing to a repair shop. It covers the delivery of gas, oil or a battery, but not the cost of these items. If you lock the keys in the vehicle or need a tire changed, this may also be covered. These services are often included in auto club memberships, which can result in unnecessary duplicate coverage.