Personal Insurance

Auto
Collision: Protection against loss resulting from any damage to the policyholder's car caused by collision with another vehicle or object, or by upset of the insured car, whether it was the insured's fault or not. Liability: Insurance designed to protect the policyholder from financial loss due to liability resulting from injuries to other persons or damage to their property.

Homeowners
A package of insurance designed to provide homeowners with a broad range of property and liability coverages, pertaining to events at home as well as away from home

Life
Term: Life insurance payable to a beneficiary only when an insured dies within a specified period. The coverage expires without value if the insured survives the stated
period. Whole: Life insurance payable to a beneficiary at the death of the insured whenever that occurs. Premiums may be payable for a specified number of years (limited payment life) or for life (straight life).

Farm
A package policy for a farm or a ranch, providing property and liability coverages against personal and business losses.

Health
Protection which provide payment of benefits for covered sickness or injury. Included under this heading are various types of insurance such as accident insurance, disability income insurance, medical expense insurance, and accidental death and dismemberment insurance.

Disability
A physical or a mental impairment that substantially limits one or more major life activities of an individual. It may be partial or total.

Umbrella
Coverage over and above your liability which increases your protection and protects your assets

Long Term Care
Protect your life savings and assets from catastrophic illness. Long Term Care (LTC) Insurance can do this plus give you choices of care…Nursing Home, Home Health
Care and Assisted Living.

Business Insurance

Property Insurance
Financial protection against the loss of, or damage to, real and personal property caused by such perils as fire, theft, windstorm, hail, explosion, riot, aircraft, motor
vehicles, vandalism, malicious mischief, riot and civil commotion, and smoke.

Health Insurance
Small and large group health insurance for your business.

Commercial Auto
Coverage for the vehicles used in commercial businesses.

Professional Liability
Protection against financial loss arising out of the legal liability incurred by a manufacturer, merchant, or distributor because of injury or damage resulting from
the use of a covered product.

Business Life Insurance
Life insurance purchased by a business enterprise on the life of a member of the firm. It is often bought by partnerships to protect the surviving partners against loss caused by the death of a partner, or by a corporation to reimburse it for loss caused by the death of a key employee.