HOME/RESIDENCE INSURANCE

1

RENTER’S

You may not own your home yet, but that doesn’t mean you don’t need insurance–Do you have insurance on all your stuff?What about if someone slips and falls, do you have liability insurance? Renter’s insurance is a must, and best of all it

doesn’t cost an arm and a leg.

2

HOME OWNER

For most people, their home is their most prized possession–proper coverage is essential to protecting your home and maintaining your livelihood. If your house burns down, is there enough money to rebuild? Chances are, proper coverage is cheaper than you think.

3

RENTAL PROPERTY OWNER

You may not live in the home, but any landlord knows that there is more risk to having tenants than there is in your primary residence. Landlords have more options than they think, it just comes down to learning what’s out there from an agent who knows.

4

REAL ESTATE INVESTORS & LENDERS

If you are in the Real Estate investment space you know that there is a lot of exposure to risk–financial and otherwise. Whether you flip houses, have a growing portfolio or lend money, it is important to work with an agency who can optimize your dollars spent.

AUTO INSURANCE

1

AUTO

Auto Insurance, everyone has it so it must be pretty self-explanatory, right? Well, there is more to the story. Auto Insurance is the most used type of insurance coverage and therefore one of the most expensive. Knowing the ins & outs, saves dollars and gets coverage right.

2

UMBRELLA

Unfortunately, nowadays lawsuits happen all too often and are getting even more expensive. Umbrella Insurance or Excess Liability Insurance is there to go over your Home and Auto coverage to make sure that even in the worst case you have enough coverage.

3

RV & MOTOR HOMES

RV insurance covers a broad range of vehicles from conversions to luxury motorhomes–classes A-C. Whether you live in it full time, only get a few weekends away per year or somewhere in between, with a little expertise, RV insurance can be tailored to your rig and your use.

4

BOAT, MOTORCYCLES & TOYS

For most people, their boat, their motorcycle or other toys end up being one of the most significant expenses they have. So, just as with your car or home, you need to make sure that if they are destroyed they can be properly replaced and if someone gets hurt, your safe.

LIFE INSURANCE

1

TERM LIFE

Chances are if you’re reading this, you have someone or a few someones who depend on you. Term Life insurance is coverage that is there to protect your family when they need you most–it is purchased for a set amount of time, and hopefully you outlive it.

2

WHOLE LIFE

Unlike Term Life, Whole Life Insurance, as the name suggests, you can’t outlive. Some people use Whole Life to cover taxes to their estate, some use it as an investment vehicle and others just want to take care of their post-mortem expenses.

3

UNIVERSAL LIFE

As you can probably tell, Term Life Insurance and Whole Life Insurance are quite a bit different, one is cheap and straight forward, but without a lot of benefits. The other is expensive, often confusing and has a ton of options. Universal Life is, in many cases, the best of both worlds.

SMALL BUSINESS & COMMERCIAL INSURANCE

1

GENERAL LIABILITY

The payments for medical treatments or a lawsuit would sink most small businesses. General Liability, when done right, is there to keep you doing what you love and what keeps the lights on. But, subtle differences in business type can greatly effect the coverage you need.

2

PRODUCT LIABILITY

If you create or sell a product, from hair spray to knitted socks, there is always a chance that once someone has bought that item, it could cause them injury or physical harm. Remember the McDonalds coffee cup lawsuit? You don’t want to be on the end of one of those.

3

WORKER’S COMPENSATION

Worker’s Comp insurance is a requirement in most states. It is there to provide financial assistance to employees injured or taken sick because of the work that they do for you. Unfortunately, it is also the most fraudulently reported claim, so proper coverage is a must.

4

SMALL BUSINESS COVERAGE

For a major portion of the small businesses in the United States, the business owner needs a policy that provides liability coverage and property coverage together. This package is commonly called a BOP–Business Owner’s Policy and can be tailored to any small business

5

RESTAURANT & WINERY

If you serve food or alcohol you likely run a big operation–there is a ton of chaos, even more regulation and unfortunately exposure to all sorts of risks. From worker’s comp to liquor liability to special event coverage, when your busy working you need to know your protected.

PROFESSIONAL LIABILITY E & O / D & O

1

ERRORS & OMISSIONS

When clients depend on your expertise, whether as a realtor, financial advisor, attorney or accountant, you could be liable if your client suffers a loss. E & O coverage is protection against a lawsuit if your service didn’t meet the expectations of your client.

2

PROFESSIONAL LIABILITY

If you provide clients a service for a fee, you likely have a Professional Liability exposure–from doctors to misuses, hair stylists to physical therapists, Professional Liability gives you the coverage against the client that decides to sue you for a bad day at the office.

3

UNIVERSAL LIFE

As you can probably tell, Term Life Insurance and Whole Life Insurance are quite a bit different, one is cheap and straight forward, but without a lot of benefits. The other is expensive, often confusing and has a ton of options. Universal Life is, in many cases, the best of both worlds.