We offer insurance packages that are tailored to different types of businesses. Whether it is to protect your building, business property, equipment, inventory or company vehicles, we offer products and services designed to give you the coverage and peace of mind you want. In addition, we also offer group health and retirement plans.

Group Insurance:

• Life
  
• Health
  
• Dental
  
• Payroll Deduction Programs
  
• 401k
  
• Simple IRA

• Most Americans get health insurance through their employment or are covered because a family member has insurance coverage at work. This is called group insurance and is generally the least expensive kind to purchase.
  
• Some employers offer only one health insurance plan. Some offer a choice of plans: a fee-for-service plan, a health maintenance organization (HMO), or a preferred provider organization (PPO). These plans differ is significant ways and can be explained in detail by our agent.
  
• Not all employers offer health insurance. You might find this to be the case with your job, especially if you work for a small business or work part-time. If your employer does not offer health insurance, you can buy an individual policy, however, you should be certain your agent compares your options and shops carefully for the best coverage for you.

Property & Casualty Insurance

Property Insurance covers the risk of property loss in a variety of commercial situations, including commercial buildings, equipment, furniture, fixtures, inventories, business records, supplies and other physical items.

Property Insurance may cover two types of property losses:

• Direct losses may be covered when property is lost, stolen, damaged or destroyed.
  
• Indirect or consequential losses related to direct losses may also be covered.

Casualty Insurance consists primarily of liability coverage, which protects an insured party against injury or damage claims made by other parties.

Policies provide coverage for liability arising out of:

• Premises and Operation
• Professional Liability
  
• Fire Damage Liability (damage by fire to premises rented to insured)
  
• Personal and Advertising Injury
  
• Medical Payments
  
• Products/Completed Operations
  

You may want to consider a Business Owners Package, which combines your Liability, Property and other types of coverage into one comprehensive policy. This package of protection can help you save time and money on your total insurance program. And since we live in an age of million-dollar lawsuits, you may also want to add extra liability protection in the form of a Commercial Umbrella Policy. We can tell you more about these plans and help you see if they make sense for you.

Business Auto Insurance

Business Auto coverage insures vehicles that are owned, leased, hired or borrowed by businesses, whether they are associations, corporations, partnerships or sole proprietorships. Business Auto coverage may be used to insure private passenger autos and all types of trucks, trailers, semitrailers and commercial vehicles designed for use on public roads. We can give you more details about the variety of coverage options available, deductibles and about tailoring a Business Auto plan that's right for you and your business.

Workers' Compensation

Workers' Compensation coverage applies to bodily injury and diseases arising from and in the course of employment. Any bodily injury must be accidental, and the term includes death resulting from the accident. Only occupational diseases, which are unique to the occupation, are covered.

Workers' Compensation provides for the payment of four types of benefits:

• Medical benefits
  
• Income benefits
  
• Death benefits
  
• Rehabilitation benefits