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Insurance Products

Other Insurance

 

Boat and Yacht

yacht Coverage for fire and explosion, against fire and any damage caused by explosion whether or not fire ensues, and whether or not an explosion occurs on- or off-board; sinking from floating debris, sunken hulks, and reefs; stranding against sand bars and filled channels resulting in salvage costs, material and labor expenses to refloat and repair a yacht; collision causing legal liability for damage to another vessel; assailing thieves (theft by forcible entry); and jettison and barratry of mariners or masters. Coverage for liability for bodily injury and loss of life is available through Ocean Marine Protection and Indemnity Insurance. Boat and Yacht Insurance is designed to protect you, your family, your business and your watercraft from a broad range of hazards encountered everyday in the field. We believe that every situation is different which is why we believe in one-on-one consultations. We will ask a broad range of questions about your boat or yacht to better understand the risks you face, as well as the assets you are looking to protect, and offer clear advice in selecting a policy from a reputable and service oriented insurer. Our approach is very different from what you may experience from a direct underwriter, especially one who provides quick quotes online. We build close relationships with our clients to allow us to foresee their ever-changing needs. Please give us a call for a free consultation

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Umbrella Insurance

umbrella Umbrella Insurance refers to an insurance policy that protects the assets and future income of the policyholder, above and beyond the standard limits set on their primary policies.Typically, an umbrella policy is liability coverage over and above the coverage afforded by the regular policy, and is sold in increments of one million dollars. The term "umbrella" is used because it covers liability claims from all policies underneath it, such as autos and homeowners policies. For example, if you have an auto insurance policy with liability limits of $500,000 and a Homeowners policy with a limit of $300,000, then with a million dollar umbrella, your limits become in effect, $1,500,000 on the auto policy and $1,300,000 on a homeowners liability claim.Umbrella insurance provides broad insurance beyond traditional home and auto. It provides additional liability coverage above the limits of your homeowner's, auto, and boat insurance policies. It can also provide coverage for claims that may be excluded by the primary policies often including, but not limited to: False Arrest, Libel, Slander, and Invasion of Privacy. While umbrella policies have long been thought of as coverage only needed by the very rich it is becoming more and more apparent that everyone should have an umbrella policy. Jury Verdict Research recently released a new study showing the average personal injury award in Michigan was $1,089,638.

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Wedding Insurance

wedding Did you know you could insure your wedding ceremony? Wedding Insurance: Whether you are having a large, formal wedding or an intimate celebration it is a good idea to make sure that you have insurance so you are prepared no matter what surprises come along on your big day. Cancellation insurance makes it so that you can recover the lost money and be able to put the whole thing on at a later time. Many places that you might rent for the ceremony or the reception will require you to carry liability insurance and name them as an "other insured" on the policy. This insurance protects you in case there is a mishap resulting in property damage or personal injury. It can also cover you for liquor related accidents. Wedding Insurance is designed to protect you, and your family from a broad range of potential disasters you face on your most special day. We recognize that each situation carries its own set of challenges, which is why we believe in one-on-one consultations. We will ask a broad range of questions about your wedding event to better understand the risks you face as well as the assets you are looking to protect and offer clear advice in selecting a policy from a reputable and service oriented insurer. Our approach is very different from what you may experience from a direct underwriter , especially one which provides quick quotes online. We build close relationships with our clients to allow us to foresee their ever-changing needs. Please give us a call for a free consultation.

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Identity Theft

identity Millions of people have been subject to identity theft. Protect your most valuable asset for a lot less than you might think. Identity Theft Insurance covers the related and often significant costs for restoring the integrity of personal identities and credit standings. Recovery expenses can include long-distance phone bills, lost wages, certified mailing costs and attorney fees incurred to identify and resolve the identity theft. Also eligible are the costs of a fraud specialist who assists and guides policyholders through the process of restoring their personal and financial identity. Otherwise, identity theft victims can suffer for months trying to correct their credit records. Innocent consumers have been rejected for loans, experienced hardships in finding employment and failed to qualify for lower car insurance rates because of their tainted credit histories. Identity Theft Insurance policies protect you, your family and your business from a broad range of potential identity hazards you face in your day-to-day operation. We recognize that each industry, corporate structure and culture carries its own set of challenges, which is why we believe in one-on-one consultations. We will ask a broad range of questions about your business to better understand the risks you face as well as the assets you are looking to protect and offer clear advice in selecting a policy from a reputable and service oriented insurer. Our approach is very different from what you may experience from a direct underwriter , especially one which provides quick quotes online. We build close relationships with our clients to allow us to foresee their ever-changing needs. Please give us a call for a free consultation.

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Valuables Insurance

Valuables Insurance Valuables insurance is designed to protect jewerly, heirlooms or other treasures you might have against loss or theft. Valuable Items Insurance policies build on a basic Homeowners policy. This endorsement can be added to any homeowners, condominium or renters policy. A separate endorsement also generally expands coverage to include additional perils for property usually subject to limitations in standard homeowners policies. This type of property includes rare coins, musical instruments, furs, watches or fine arts. A valuable Items Insurance policy is designed to protect your most precious items from a broad range of hazardous circumstances. We recognize that each homeowner’s policy is different, and each situation carries its own set of challenges, which is why we believe in one-on-one consultations. We will ask a broad range of questions about your business to better understand the risks you face as well as the assets you are looking to protect and offer clear advice in selecting a policy from a reputable and service oriented insurer. Our approach is very different from what you may experience from a direct underwriter , especially one which provides quick quotes online. We build close relationships with our clients to allow us to foresee their ever-changing needs. Please give us a call for a free consultation

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Credit Insurance

Copy of credit Credit life insurance is a consumer purchase, often sold with a big ticket purchase such as an automobile. The insurance will pay off the loan balance in the event of the death or the disability of the borrower. Although purchased by the consumer/borrower, the benefit payment goes to the company financing the purchase to satisfy a debt. Credit Life Insurance is designed to protect you, your family and your business from a broad range of potential hazards you face in your day-to-day operation. We recognize that each industry, corporate structure and culture carries its own set of challenges, which is why we believe in one-on-one consultations. We will ask a broad range of questions about your business to better understand the risks you face as well as the assets you are looking to protect and offer clear advice in selecting a policy from a reputable and service oriented insurer. Our approach is very different from what you may experience from a direct underwriter , especially one which provides quick quotes online. We build close relationships with our clients to allow us to foresee their ever changing needs. Please give us a call for a free consultation

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"Your staff is so friendly and knowledgeable. They handled all the details and paperwork. Thanks for saving me money on my auto insurance."


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