Commercial insurers are of a different breed to those that deal with personal insurance (for your car, home insurance and contents etc.)
We Have Experience Writing:
Farms/Ranches
Manufacturers
Distributors
Hotels
Shops and Offices
Motor Traders
Professional Indemnity
Offshore Liabilities
Mining
Marine
Private Hire
Tradesman’s Liabilities (big or small)
Having the right Auto Insurance coverage is extremely important to protect you and your vehicle. We provide several options when reviewing your Auto Insurance Policy to ensure that you are covered in the event of an accident or damage to your vehicle. We serve the Monterey Bay Area, CA and help protect you against financial loss even if the other driver is uninsured. We can help put together the right Auto Insurance policy for you and your family's needs. Don't hesistate, contact us today!
The Personal Automobile Policy covers:
- Liability coverage for bodily injury and property damage for which you are legally responsible
- Medical Payments for bodily injury caused by an accident, to you or family members that reside with you
- Uninsured Motorist Coverage will cover you in the event that you or family members that reside with you are injured or your property is damaged due to a driver that does not have auto liability insurance
- Under insured Motorist Coverage will cover you in the event that you or family members that reside with you are injured or your property is damaged due to a driver that has automobile
What is Homeowners Insurance?
Homeowners insurance is an insurance policy that protects you financially in the event that your home and property is damaged in a covered peril, or in the event of a covered lawsuit.
Perils that are typically covered by a standard home insurance policy include fire, wind, lightning, hail and theft. While no one plans on losing their home or possessions to any of these perils, it unfortunately happens every day. Ask yourself this: If your home was ever destroyed in a fire, for example, how would you pay to rebuild your home? That’s where your homeowners insurance comes in.
Homeowners insurance protects the investment you have made in your home by providing you with coverage for specific hazards.
But your home insurance doesn’t stop there. In the event that someone was filing a lawsuit against you for accidental damage you caused to their property, how would you pay for the costly legal fees? Standard homeowners insurance also contains liability coverage that protects you and your family against lawsuits where another party finds you liable for damage to their property or person.
What Is Life Insurance?
Life Insurance is insurance for you and your family’s peace of mind. Life insurance is a policy that people buy from a life insurance company, which can be the basis of protection and financial stability after one’s death. Its function is to help beneficiaries financially after the owner of the policy dies.
It can also be a form of savings in the long run if you purchase a plan, which offers the option of contributing regularly. Additionally, a little known function of life insurance is that it can be tied in with a person’s pension plan. A person can make contributions to a pension that is funded by a life insurance company. These are considered private pension arrangements.
Health Insurance has changed dramatically over the last few years. It's required by law for every person to hold Health Insurance, so its more important than ever to find the right policy for your needs. This means understanding your budget and health concerns so you can get the right policy for you and your family.
We understand all of the different options available to you and your business so we are prepared to help you. No one Health Insurance Policy is the same, each person requires a different level of coverage and price. We will work with you to understand your needs and derive a health plan that you can be happy with.