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Please keep the following concerns in mind when reviewing the following areas of insurance.
Home
The majority of Home-based businesses have no coverage on the home insurance policy. No liability, and little if any coverage for business property or tools and equipment. Sometimes you can just add an inexpensive endorsement for coverage. Learn more...
Auto
If you are at fault in an accident and the other party is injured, they can sue you. Most people only carry 100,000 per person/300,000 per accident for liability coverage. How much do you think a jury will award against you if you permanently injured a child in the other vehicle ? Learn more...
Increasing liability limits is very inexpensive.
Boat
Do you have salvage coverage? How much?
All insurance compnies provide different limits of coverage. If your boat sinks, you may be required to get it out. Some companies only provide coverage if it is required, some only provide up to 10% of the boat value. This could be a big problem if it is in 170ft of water in Lake Michigan. Learn more...
Umbrella
You can purchase an extra million dollars of liability that will apply both to your home liability and your auto liability. Basic requirement is normally 300,000 liability on the home and 500,000 on the auto. Your business may need an extra layer of liability over and above thier limit of General Liability. Learn more...
Business
No two businesses are the same. We can custom taylor a policy to meet your needs, no matter if you are a small Ice Cream Parlor, or a large Corporation. Call us for a consultation. Learn more...
Life & Health
This is a volatile area of insurance, rates keep going up, deductibles get larger. There is no easy answer for an individual or family's needs. Group insurance is not much better. Learn more...
Contact us to see if we may be of help...
"Because Things Happen"
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