Your Insurance Plan
Business Insurance
Personal Insurance
Business Insurance
It’s important your insurance reflects the unique quality of your business. We know how your role works so we can properly insure it. If you are a title agent, real estate attorney, real estate broker, mortgage broker or banker, you’re in the right place.
Professional Liability
Also referred to as Errors and Omissions (E&O), this coverage is for the risks you encounter from the professional services you provide as a real estate professional.
General Liability
This coverage is for your clients and other guests that may become injured on your premises. You may also choose to include business property damage coverage with General Liability which is referred to as a Businessowners policy (BOP).
Employment Practices Liability
Coverage for Employment Practices Liability is intended for you as an employer from the allegations brought against you by employees.
Cyber Liability
A Cyber Liability policy provides coverage for the costs associated with the breach of data you store or have access to, and can also include various levels of wire fraud coverage.
Workers Compensation
Workers Compensation allows employers to provide coverage for employees if they suffer an injury while at work. This coverage can also help mitigate legal action against an employer due to the incident.
Commercial Property
If you own the property of your business location, you may wish to have coverage for any property damage.
Escrow Security Bond
This innovative fidelity bond provides coverage for theft of funds by employee or partner, and includes more real estate-specific coverage than traditional fidelity bonds.
Surety Bond
Required by some states, a Surety Bond provides a line of credit for your business if a client were to make a complaint to the state and demand funds to be made whole again.
Commercial Auto
If you have business-owned autos, a Commercial Auto policy provides business-level liability and property damage protection for your business and employees.
Personal Insurance
It’s important your insurance reflects your unique qualities as an individual. As a current or future home owner, our goal is to help you make confident decisions about your insurance.
Home
The intent of home insurance is to provide coverage for damage to your property and your personal liability. Your property includes your home, other structures on your premises and personal belongings. Your personal liability refers to property damage or bodily injury someone believes you caused.
Renters
Similar to home insurance, renters insurance provides coverage for your property and liability. Your personal belongings can be replenished if damaged. The costs associated with property damage or bodily injury you may cause are also addressed in a renters policy.
Umbrella
There are liability components in other policies such as your home and auto. Liability coverage is meant to address the costs associated with property damage or bodily injury you may have caused. An Umbrella policy provides additional liability coverage should your other policies be exhausted when returning the damaged property or an injured person back to normal.
Investment Property
Similar to home insurance, Investment Property insurance, also referred to as a Dwelling Fire policy, provides coverage for your property and liability. The building and other structures can be returned to normal if damaged. The costs associated with property damage or bodily injury you may cause are also addressed in an Investment Property policy.
Flood
Flooding can affect your home, but coverage comes from a different policy other than home insurance. Flooding is defined as rising water. While the risk of flooding varies, every home has the potential to flood. Flood insurance provides coverage for your property and personal belongings.
Auto
Auto insurance first provides coverage for your liability when driving. It addresses the costs associated with the property damage and bodily injury you may cause. You may also wish to have coverage for your vehicle in situations where other insurance policies do not adequately return you to normal.
Vacation Property
Similar to a home policy, vacation property insurance or any property that is vacant for a period of time provides modified coverage for the property and your liability.
Wind
Wind can affect your home, but coverage can sometimes come from a different policy other than home insurance depending on your location.
Watercraft
Watercraft and other toys have separate coverage for the property itself and the liability associated with its use.