Following are policies we offer and some concerns you should be aware of. Click on any of the links for additional information.
Home
If you have a home-based business, you probably have no liability coverage, and may not have coverage for your products, tools, and equipment. Many times you can just add an endorsement to get coverage for these.
Auto
If you are at fault in an accident, the injured party can sue you. Most people only carry $100,000 per person/$300,000 per accident. How much do you think a jury will award against you if you permanently injured a child in the other vehicle? Increasing liability limits if very inexpensive.
Boat
Do you have salvage coverage? How much? Different insurance companies handle this differently. If your boat sinks, you may be required to get it out. Some companies only provide coverage if it is required, some only provide 10% of the boat value for the cost of salvage. This could be a problem if it is in 170 ft. of water in Lake Michigan.
Umbrella
You can purchase an extra million dollars of liability that will apply both to your home and auto liability. Cost depends on the number of vehicles, residences, etc., but can be as inexpensive as $125 per year. Check it out.
Business
No two businesses are the same. We can tailor a customized policy to meet your needs, no matter if you are a small seasonal Ice Cream Parlor, or a Major Corporation. Call us for a consultation.
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. Business group insurance is not much better.
Contact us to see if we may be of help...
"Because Things Happen".
