While often overlooked and viewed as a necessary evil, insurance is a critical piece to any financial plan whether you are an individual, family, or business. It is a guarantee against financial hardship when things don’t go as planned.
Personal insurance consists of coverage protecting you against the physical loss of property such as the case of a wind storm or car accident, as well as the financial setback you would otherwise experience in the case of being sued by another for damages. The most well-known forms of coverage are those for your cars and your home. These forms are quite common and most everyone that owns a car or a home has these coverages. However, there are also lesser-known coverages that are very important as well and should not be overlooked. These include renters, watercraft, coverage for your ATV or UTV, as well as newer forms of coverage such as cyber-liability and identity theft.
If you’re confused by all of the different forms available and are not confident you are properly covered, give us a call and we’d be glad to provide you with a free insurance review.
Business needs can be even more complex. The most common forms for small businesses start with a Business Owners Policy. A Business Owners Policy, or often referred to as a BOP, usually includes Commercial Property Coverage, Business Interruption Coverage, and Commercial Liability Coverage. Beyond that many businesses also need Workers Compensation, Commercial Auto, and other coverages specific to the type of business being operated. If you would like to meet with an agent for a commercial insurance review, please contact our office to schedule an appointment.