Personal insurance

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Auto Insurance

If you have any doubts about the appropriate level of automobile coverage that's right for you, we have excellent plans available through reputable auto insurers, and we will be happy to help pinpoint the coverages best suited to your needs.

Compulsory Auto Policy Coverage
Bodily Injury to others
Medical payments/Personal injury protection
Bodily injury caused by an uninsured auto
Damage to someone else's property
Optional Coverage
Optional bodily injury to others
Medical payments
Substitute transportation
Towing and labor
Bodily injury caused by an underinsured auto

Homeowners Insurance

Your home purchase is an investment deserving the protection that only an experienced insurance professional can provide.

Basic Protection
Your home
Other buildings or structures on your property
Your personal belongings - furniture, clothing, appliances, etc
Additional living expenses
Your personal legal liability
Special features you can choose for additional security
Home replacement guarantee
Replacement costs on contents
Additional coverage form

Life Insurance

Life insurance is a crucial step in planning for your future and your family's future. It can fulfill promises and obligations to your family if you are no longer living.

Basic Protection
Income-tax free
Can be used to cover funeral expenses
Repay debt
Provide education
Pay estate taxes
Other expenses your survivors may incur
Also can be used
to help ensure that a family business will pass to your intended survivor
to give benefits to certain types of life insurance plans during your lifetime.

Long-Term Care Insurance

Long-term care Insurance is the help you may need if you are no longer able to care for yourself. You may want to consider long-term care to protect your assets for your spouse, heirs or charity. Buying long-term care will give you more control and independence which in itself provides you peace of mind.

Basic Protection
Protect assets for your spouse
Protect assets for your heirs or charity
Give more control and independence
Long-term care can cost more than $200/day

You can also choose to partially self-insure by buying a policy that combines life insurance and long-term care rider.

LTC applies to services
Home health care (skilled care with help of visiting nurses or therapists)
Respite care
Hospice care
Adult day care
Nursing home care
Assisted living facility care

Disability Insurance

Disability Insurance helps protect your financial future.

Basic Protection
Help keep financially stable during difficult times
Pay a monthly income directly to you
Helps protect against the risk of depleting your savings or retirement fund
The plan goes into effect when you are unable to work as a result of a disabling injury or illness

Business Overhead Expense (BOE) coverage reimburses a business for overhead expenses should the owner experience a disability.

Eligible benefits
Mortgage payments
Business insurance premiums
Employee salaries
Property tax

Travel Insurance

Accidents, illnesses and other emergencies happen every day. When you are travelling and away from your usual medical and informational resources, even minor incidents can escalate in intensity.

One of our many valued partners is the Chubb Group of Insurance Companies. Chubb offers a Travel Accident Policy that provides comprehensive coverage 24/7/365 no matter where you travel, for business or pleasure.

Chubb Protection
Medical evacuation and repatriation $250,000
Excess medical expense coverage $100,000
Political evacuation $100,000
Felonious assault $100,000
Trip delay coverage $500 per day, up to 3 days
Baggage delay coverage $500 per day, up to 3 days
Travel assistance services
Lost documents
Medical or legal referrals
Trip risk intelligence portal
A travel security website providing insight into global hotspots, local customs, etc.
Golf package is available
Trip cancellation / Interruption / Event ticket protection is available

Boat Insurance

Whether you’re dry docked or enjoying life on the high seas make sure you’re covered by one of our comprehensive Boat Insurance Plans. Accidents do happen and if your boat sinks, capsizes, is damaged by a storm or if you are personally injured, your policy will protect you.

Types of Watercraft
Boats - Vessels between 16 and 26 ft. long
Yachts - Vessels over 26 ft. long
Personal Watercraft - Under 16 ft. (Ski-Doos, wave runners, etc.)
Coverages Available
Boat liability
Medical payments
On-water towing
Property damage
Uninsured/ underinsured watercraft
Consequential damage coverage
Salvage coverage

Motorcycle Insurance

Protection for riding is more than just a helmet and a jacket. You need to insure yourself and your motorcycle from all the dangers that you face on the road including accidents, theft, injury etc.

Required Coverages
Property damage liability
Bodily injury liability
Uninsured/underinsured motorist coverage
Optional Coverages
Custom parts and equipment (CPE)
Roadside assistance
Passenger liability coverage
Collision coverage
Medical payments

Wedding Insurance

Wedding insurance helps make things right when something goes wrong. You’ve always dreamed of planning the perfect wedding, but no matter how carefully you plan it, there are many things that can go wrong.

Wedding Insurance Coverage
No dress
Lost deposits
Lost rings
Severe weather
Ruined photos
Call to duty
Damaged gifts
Severe weather
Venue requires insurance
Liquor liability

Umbrella Policy

A Personal Umbrella or Personal Excess Liability Policy provides and additional layer of liability coverage over and above your home, auto, motorcycle, recreational vehicles, watercraft, rental properties, anything on which you carry liability coverage.

The policy is sold in increments of $1,000,000. The annual premiums are very affordable, starting at around $125. It's a small price to pay to protect everything for which you have worked so hard.

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