Increase your deductible: For many people, raising the deductible on their auto insurance is a good way to cut the cost of the policy. Sometimes you can reduce your annual premium by 10 percent or more if you increase your deductible from, say, $250 to $500. If you do this, however, make sure you have the financial resources to handle the larger deductible if and when, the time comes.

Narrow the scope of your coverage: If you drive an older car worth less than $1,000, it may be cost-effective to drop collision and comprehensive coverage. The rationale is that even if the vehicle were severely damaged in an accident, the amount the insurer would pay for its repair or replacement would be relatively small.
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Do you offer homeowners insurance?
Yes. Home, condo, co-op and renters insurance is available.
No two homes are exactly alike. Buying a policy "off the shelf " without a plan can result in a difference between what you need and what you’re paying for. Your homeowner’s policy should reflect the uniqueness of your home and your lifestyle.

Whether you own a house, a condominium or rent an apartment, for most people their home is their most important investment. As a leader of quality protection we have developed one of the most outstanding reputations of offering the highest rated homeowners insurance plans in America today. We believe that an insurance company should do more than pay for financial losses incurred in the home: It should help prevent losses and accidents, and offer policies flexible enough to meet your individual needs.  Above all, provide you with the security that comes only from the knowledge that your home is safe

For this reason the companies we represent continue to receive the highest ratings from the insurance industry's leading analysts and rating authorities.

We can offer you:

• Many coverages to protect both you and your property.
• Responsive and caring Claims service.
• Property insurance at an affordable price.

More details on homeowners insurance is here




What types of insurance coverages do you offer for my business?
Business Automobile - this coverage is available to protect your business from the liability associated with operating automobiles. Coverage is available for owned, non-owned, and hired vehicles including autos, trucks, vans, tractors and trailers. Physical damage coverage is also available.

Commercial Liability - provides coverage including defense for liabilities associated with operating a commercial business enterprise. Policies are tailored to meet the specific risk management needs of your business.

Commercial Property - provides coverage for your buildings and contents. Coverages range from specific named-perils policies to broader all-risk policies.
Directors & Officers - designed to protect the directors and officers of your organization from damages and defense costs due to civil claims, claims of negligence, and of errors and/or omissions.

Employment Practices Liability - provides coverage for defense costs and liability arising from allegations of improper employment practices, sexual harassment, and discrimination.

Home Based Business - homeowners insurance does not necessarily cover many home business-related claims. This could mean a major loss of income, as well as other significant losses, for your home business.  If you have a home based business consider contacting us to discuss proper coverage options that offer both protection and affordability.

Inland Marine - provides coverage for business assets and hardware while these items are off premises.

Ordinance or Law Coverage - one of the most needed types of coverage is also one of the most commonly overlooked, or even known about, by consumers.  It's called Ordinance or Law Coverage.  As your building becomes older certain changes in your county's building codes and ordinance change to reflect new standards for construction.  If your older property suffers a substantial loss, fixing it may require a higher construction standard to reflect new laws, therefore simply replacing your property as it was just isn't good enough to meet these new laws and codes. Ordinance or law coverage pays for these upgrades in building standards.
 
Professional Liability - provides coverage for defense costs and awards for liability arising from improper professional practices and errors and omissions in the conduct of business activities.

Special Event Coverage - provides third party liability coverage for a short term special event.

Umbrella and Excess Liability - this coverage complements your property/liability program and provides additional limits of coverage. In today's litigious society, smart business people protect their investment with umbrella coverage.

Workers' Compensation - this coverage is designed to meet the workers' compensation laws of your state. Workers' compensation coverage provides protection for injured workers and supporting protection through employer's liability coverage.