Life

• Term Life
     Life insurance issued for a stated temporary period of time.
  
• Whole Life   Life insurance payable to a beneficiary at the time of death of the insured, whenever that occurs.
• Universal Life Insurance    A flexible premium policy that combines protection against premature death
• Mortgage Protection   Life insurance that pays the balance of a mortgage if the mortgagor (insured) dies.
• Final Expense Plans   A life insurance policy that covers funeral and burial costs.
• Key Person Insurance   An insurance policy on the life of a key employee whose death would cause the employer financial loss, owned by and payable to the employer.
• Group Life   Life insurance offered through an employer.
• Critical Illness Insurance   Pays a lump-sum benefit if you’re diagnosed with a critical illness

Fire

• Homeowners    (1) Insurance contracts that indemnify an insured for loss caused by the destruction of the insured’s property resulting from a fire; (2) The field of insurance that provides insurance policies on the insured’s property for a variety of perils, including fire.
• Renters   Insurance that protects your personal property when renting a home, apartment or condo from others.
• Condominium Unit Owner   Covers your personal property in the event of specific covered losses such as fire, falling objects and theft, also provides you with personal liability coverage
• Landlord   Covers a home, apartment or condo if you’re a Landlord renting to a tenant
• Mobile Home   Insures the mobile home structure, your personal property and provides liability coverage
• Home Warranties   Insurance for the unexpected breakdown of appliances in your home
• California Fair Plan   Homeowners insurance policy guaranteed through the state of California
• Identity Shield   Provides compensation and assistance if your identity is stolen

Commercial

• General Liability   Liability only coverage that protects business owners and operators from claims brought by third parties alleging bodily injury or property damage.
• Retail/Service   Commercial insurance designed specifically for businesses
  that deal with the public
• Habitational   Property and casualty insurance exclusively for Apartments and Condos.
• Real Estate   Commercial insurance designed specifically for real estate
• Umbrella Liability Insurance   A liability policy designed to provide liability protection above and beyond that provided by standard liability contracts
• Workers Compensation   (1) A schedule of benefits payable to an employee for injury, disability, dismemberment, or death as a result of occupational hazard. The payments are a liability of an employer. (2) Insurance agreeing to pay the Workers Compensation benefits required by law on behalf of the employer
• Employment Practices Liability   Employment Practices Liability Insurance (”EPLI”) is coverage against claims by employees alleging that they suffered damages as a result of the employer’s discrimination, wrongful termination, sexual harassment, or various other employment-related offenses.
• Builders Risk Insurance
     Insurance against loss to buildings or structures in the course of construction

Auto

• Personal Auto   Auto insurance protects you and your family against financial loss by covering the injuries and damages caused by an accident that you are legally responsible for.
• Comprehensive Coverage   Covers losses to your car resulting from fire, theft, falling objects, riots, storms, earthquakes, floods, collision with a bird or animal and other natural occurrences.
• Collision Coverage   Covers damage to your vehicle from an accident involving another vehicle or a stationary object such as a building, telephone pole or guardrail.
• Liability Insurance   Coverage that helps protect you and your family against financial loss arising from legal liability associated with bodily injury or property damage of another due to an accident that you cause. Bodily Injury coverage includes medical expenses, loss of income and pain and suffering. Property Damage covers your liability for damaging another person’s personal property, such as an automobile, house or fence.

Recreational Vehicle

• Motor home   Insures the motor home structure, your personal property and provides liability coverage.
• Motorcycle   Same coverage as Auto Insurance, except for your motorcycle
• ATV   Insurance for all terrain vehicles
• Boat/Yacht   Coverage for small boats up to and including yachts
• Jet Ski   Comprehensive, collision, medical and liability insurance for your jet ski

Personal Umbrella

• Personal Liability Umbrella   Provides additional protection above the liability limits of primary insurance policies for an individual.

Health

• Group Health   Health insurance offered through an employer
• Individual Health   Health insurance that you purchase individually
• Dental   Insurance to cover costs for cleanings and dental work
• Vision   Insurance to cover costs for eye visits, contacts and glasses
• Disability   A type of health insurance that pays a monthly income to the policyholder when he or she is unable to work because of illness or accident.
• Long-Term Care Insurance   A type of insurance policy that covers the cost of long-term custodial care in a nursing facility or at home

Value Added

• Earthquake    In the event of an earthquake, covers your personal property and the structure you live in 
• Flood     Covers your property in the event of a flood. Flood is commonly excluded from property insurance policies.
• Errors & Omissions (”E & O”)    Protects you against liability for committing an error or omission in the performance of professional duties. E&O policies are designed to cover financial losses rather than liability for bodily injury or property damage.
• Surety Bonds    An obligation of the insurance company to protect one against financial loss caused by acts of another
• Wedding Insurance   Covers items that could go wrong…from bad weather or venue insolvency to change of heart and loss of deposits. Also includes liability insurance.

*** We offer Fire Insurance to residents of California & Arizona