Specialty Insurance
A home warranty is different from homeowners' insurance. A home warranty is a contract taken out that provides for repairs or replacements of home systems and appliances such as ovens, water heaters, washers/dryers, and pools. These contracts are usually 12 months however, and are not mandatory to qualify for a mortgage. A home warranty covers issues and problems that result from poor maintenance or inevitable wear-and-tear on items - situations in which homeowners' insurance doesn't apply.
A Community Association Package is a comprehensive property and casualty program designed to help protect all aspects of Community Association Living in one package. (commonly referred to as the Master Policy). Community Associations are unique and depending on the size require varying different types and levels of Coverage. By buying a Community Association Package it can help with the costs of providing the flexible coverages needed to minimize the risks that are experienced in a community. The most common coverages are as follows:
- Property Insurance - Property damage refers to physical damages to HOA buildings or common areas. For example, if a fire damages a building and your policy covers it, you can claim damages. Keep in mind that all policies are different, so it is important that the governing documents are followed in order to find the coverages your Homeowners Association needs.
- General Liability Insurance – covers expenses associated with legal action against the association. For example, if someone injures themselves on HOA property and files a claim against the HOA, then the liability portion is used to cover that action. Defending an association can be expensive, and proper homeowner association liability insurance can help prevent additional special assessments to cover the cost.
- Directors & Officers (D & O) Coverage - Homeowners associations should always be prepared for legal situations should they occur, and D&O insurance gives them a way to mitigate their risks.
- Crime & Fidelity - A typical homeowner’s association will have money in their operations and reserve accounts. When there is money involved, so is the possibility of theft, fraud, and other financial crimes. Therefore, it is important to have a comprehensive crime and fidelity insurance package.
- Umbrella Protection to protect the Community Association assets in the event of a major incident. An HOA has a considerable amount of exposure and incidents could potentially happen every day. The umbrella helps mitigate your exposures and helps protect the HOA from Financial and reputable Damage. It also protects your Board of Directors from those allegations that could include Legal Action
Personal liability claims could include medical bills, legal fees and more if a guest is injured on your property, as well as coverage for accidental damage you are legally responsible for on someone else’s property.
Under your basic homeowner’s insurance or renters’ insurance policy, personal liability coverage may protect you under the following circumstances, up to your policy limits:
- Lawsuits if an accident occurs
- Bodily injury
- Property damage from your negligence
If addition you can also add additional coverage with personal umbrella liability insurance, providing you an extra layer of personal liability protection.
Please request a quote or give a call and we will be happy to help you!
Running a trucking business can be complicated, and so can the insurance requirements needed depending on the state you live in or whether you are driving across state lines. It is important that you fully understand the federal and state requirements before you venture into the trucking or transportation business
Typically, a trucking company will need the following basic insurance coverages.
- Auto Liability,
- Auto Physical Damage
- Cargo,
- General Liability.
However, there are different kinds of coverages associated with the above depending on the type of truck you are driving. You may also need trailer coverage both liability and physical damage. In addition, the company that you are contracted to drive for may require you to have higher liability limits.
Trucking is a focus for our business so we know a little something about coverages so give us a call email or fill out the quote page and we will walk you through what you will need to get started!
There are many reasons that you will be asked to provide a bond. Commercial surety bonds can be required for licensing and permitting companies to conduct business in a state or locality. There are many different types of bonds including but not limited to payment, bid, performance, and fidelity bonds.
If you are looking for specific bond requirements or looking for information, we can help you through the process. Please request a quote and we will do the rest for you and make your bond experience as seamless as possible.
You have a choice when looking for coverages for your pet. You can choose a complete care plan or go à la carte with medical or wellness coverage.
We have full pet plans that include wellness and major medical but also cover chronic conditions including hereditary conditions and no waiting periods.
Other plans may offer most of the full plan options however they do have some restrictions, so it is important to thoroughly read all the information.
We also have the wellness plans that often cover wellness exams and tests, flea/heartworm prevention and vaccinations.
All pet insurance plans use either a percentage of invoice which is based on the treatment cost or a benefit schedule which is capped at a set amount for each condition.
We love our pets also! So please request a quote and we will find the best possible plan for your special family member!
The Specialty lines insurance market is a segment of the insurance industry where the more difficult or unusual risks are written. These are categories that generally do not fit into other areas however are still meaningful to us.