FAQs

Homeowners' insurance generally provides protection for your home and personal possessions against damage from events such as fires, theft, storms, and vandalism. It often includes liability coverage in case someone is injured while on your property.

An HMO (Health Maintenance Organization) typically requires you to use doctors within a specific network and obtain referrals for specialists. In contrast, a PPO (Preferred Provider Organization) offers more flexibility in choosing healthcare providers and usually doesn't require referrals for specialist visits.

Personal health insurance typically covers a range of medical services including doctor appointments, hospital stays, preventive care, prescription medications, and emergency services. However, the specific coverage details can vary significantly between different insurance plans, so it's essential to carefully review your policy.

Standard homeowners' insurance policies typically don't provide coverage for business-related equipment or liability. To protect your home-based business, you may need to add a special rider to your existing policy or purchase a separate business insurance policy.

Workers' compensation insurance is generally required even for businesses with a small number of employees. While regulations vary by state, most jurisdictions require coverage for companies with at least one employee. This insurance protects both your business and your employees by covering work-related injuries or illnesses, including medical expenses, rehabilitation costs, and lost wages.

As a business owner, your essential insurance needs typically include general liability, commercial property, and workers' compensation if you have employees. Depending on your industry, professional liability insurance may also be necessary. Many small businesses find a Business Owners Policy (BOP) beneficial as it combines key coverages at a competitive rate. We recommend scheduling a complimentary risk assessment with our agency to create a tailored protection plan for your specific business needs.

Our agency offers a comprehensive range of commercial insurance solutions to address various business needs. These include general liability insurance, Business Owners Policies (BOP), commercial auto insurance, workers' compensation insurance, commercial life insurance, and group health insurance. We're prepared to help protect multiple aspects of your business through our extensive insurance offerings.