Why Auto Insurance?

Auto/vehicle insurance is where you pay a regular premium and the insurer compensates you for any financial loss that occurs if you get involved in an accident. We will provide you with affordable auto insurance that will protect you if you have an accident. If you are a good driver and haven't had any accidents, then you will most likely receive major discounts on auto insurance policies.

Why home insurance?

Every homeowner needs insurance because the unexpected may happen. Another reason for having home insurance is the liability coverage most policies provide in the event someone is seriously hurt in your home. The IBC suggests an annual chat with your insurance provider to make sure your policy is up to date and the actual value of your possessions is covered.

A standard home insurance usually covers:

  • The structure of your home: In case of fire, hurricane, hail, lightning or any other listed disaster destroys your home and you need to repair or rebuild it. Always make sure you have enough coverage incase you have a devastating calamity.
  • Personal belongings: You also can receive coverage for your furniture, equipment, clothes as well as other personal items if stolen, destroyed by a hurricane, fire or any other listed disaster. The best thing to do is to create a list of everything in your home to get a keen sense of how much coverage you will need.
  • Liability: If you or any of your family members should cause injury to a person or damage to a person's property, this policy will provide you with coverage. The cost of defending you in court is also covered under this policy up to the limit provided within the policy.
  • Why life insurance?

    Life insurance is a form of insurance that pays monetary proceeds upon the death of the insured covered in the policy. Essentially, a life insurance policy is a contract between the named insured and the insurance company wherein the insurance company agrees to pay an agreed upon sum of money to the insured's named beneficiary so long as the insured's premiums are current.

    People take out life insurance policies for a number of reasons. Such insurance provides security to family members upon the loss of a loved one. For instance, if the primary wage earner dies in his or her prime, the death benefit received from a life insurance policy will assist the surviving family members in overcoming the burden of the tragic loss. Life insurance can be purchased for individuals and family.

    Why Commercial insurance?

    Commercial insurance is insurance for a business. In fact, it is one of the most important investments a business owner can make. Commercial insurance can be instrumental in protecting a business from potential loss caused by unforeseen and unfortunate circumstances.

    Commercial insurance can provide valuable protection against such things as theft, property damage, and liability. It can also provide coverage for business interruption and employee injuries. A business owner who chooses to operate a business without insurance puts his enterprise at risk of losing money and property in the wake of an unfortunate event. In some situations, a business owner may even place personal money and property at risk by failing to secure adequate commercial insurance.

    Why workers comp?

    Workers’ Compensation is a state-mandated, employer-paid benefit for employees that sustain occupational injuries or illnesses.

    What types of injuries and illnesses are covered by Workers’ Compensation?

    An employee may be entitled to workers’ compensation benefits if he/she sustains an injury or illness arising out of and in the course of the employment, either physically or mentally; whether specific or cumulative, including injuries resulting from a crime that occurred at the place of employment.