Insurance is a contract that helps protect you or your business from financial loss due to unforeseen events. Whether it’s auto damage, liability claims, property loss, or life events, insurance spreads risk so you’re not financially exposed alone.

Premiums are calculated based on:

✔ type of coverage

✔ location

✔ claims history

✔ business risks or personal profile

✔ policy limits

A licensed agent can provide a customized estimate based on your specific situation.

Choosing the right coverage starts with assessing your risks. Our agents review:

✔ your industry

✔ business size

✔ client contracts

✔ legal requirements

Then we recommend solutions like general liability, professional liability (E&O), workers’ comp, or specialty coverage based on your needs.

Professional liability (also known as E&O insurance) protects businesses and professionals against claims alleging negligence, errors, or omissions in the services they provide.

Answer snapshot:
✔ covers defense costs
✔ may cover settlements
✔ varies by profession and policy limits

It is often required by clients in contracts. Ask our expert agents for tailored options.

General liability protects against third-party bodily injury, property damage, and advertising injuries, while professional liability covers claims about services or advice you provide.

Yes — within your policy limits, general liability helps cover legal defense, settlements, and judgments related to covered claims.

Almost any business operating with client contact or public exposure should consider:

✔ contractors

✔ retailers

✔ consultants

✔ healthcare professionals

✔ service providers

Your industry and size determine specific insurance needs.

Homeowners insurance covers your home from damage due to fire, theft, weather events, and other covered losses. It also provides personal liability protection.

Auto insurance covers:
✔ property damage
✔ bodily injury liability
✔ collision & comprehensive coverage
✔ uninsured motorist coverage

Each state may have minimum requirements.

Yes — renters insurance protects your personal belongings and offers liability coverage, even if you’re not the property owner.

1. Contact your insurer or agent immediately

2. Provide incident details

3. Submit documentation & evidence

4. Work with the adjuster
Our team can guide you through each step.

Claim processing depends on:

✔ type of loss

✔ documentation completeness

✔ insurer investigation

✔ policy terms

Our agents help ensure smooth communication.

You may lower premiums by:
✔ bundling policies
✔ increasing deductibles
✔ improving safety standards
✔ maintaining a strong claims history

Ask us about all available discount options.

Yes — premiums can change based on:

✔ updated risk profile

✔ industry trends

✔ claims experience

✔ changes in coverage needs

An annual review can help optimize costs.

Yes — all our agents are fully licensed to help you in your state and provide expert guidance for both personal and commercial insurance.

Absolutely — complete our free quote form or contact us directly. We compare multiple carriers to find the best tailored solution for you.