BUSINESS INSURANCE -
Manufacturers, Office, Retail, Wholesale
Apartment Buildings, Art Studio/Art Gallery, Attorneys, Bonds, Churches, Computers, Condo HOAs, Consultants, Contractors, Earthquake, Equipment Rental, Farms, Fire, General Liability, High Value Homes, Commercial Buildings, Homes, Hotels, Inland Marine, Jewelry, Lawyers, Manufacturer, Museums, Non-Profits, Offices, Photographers, Professional Liability, Ranches, Rental Property, Restaurants, Schools, Stores, Technology, Umbrellas, Wholesalers, eXcess Liability, Zoos.
Insurance is very complicated, so rather than make false claims that you can get accurate rates in just a few minutes, we're asking you to give us your info first so we can make sure what we are quoting is accurate, and most importantly - deliverable.
What's a quote worth to you if it's not deliverable? We suggest you not cancel any current policy until you are sure that a new replacement policy is acceptable to you. When you see the word "insurance", you should think MY MONEY. So it is written. . .
It's about getting it right - making sure that you get what you want, so if a claim happens, it's either covered well, or if not covered, you knew that in advance. Assumptions cause unrealistic expectations, misunderstandings, and uncompensated losses - we want to eliminate all of those negative outcomes in an effort to help you manage your risks proactively with fuller understanding.
HOME INSURANCE -
From Cottage to Mansions
We want to work with people who expect a relationship of VALUE. Value you can tell by the thoroughness of our process.
Value you can measure by the depth of our knowledge.
Value you can appreciate from the benefit of our advise.
Value represented by the quality of the insurers we represent.
Value you can measure by the real cost savings we deliver.
We get to know our clients. We care about them. We do all we can to make sure they are very well taken care of at all times.
There's no APP for that yet . . .
LANDLORD INSURANCE -
Single Residence to Multi-Unit and Apartment Buildings
These risks are similar in many ways to Homeowners policies, but since they are "business risks", they have needs that NOT all insurers are willing to provide for such as: Bed Bugs, Eviction, Equipment Breakdown, Sewer Lateral, Personal Injury, Ordinance or Law (Building Code Upgrades), Extended Replacement Cost, Extended Loss of Rental Income.
If you think policies are ALL the same, that would be a very costly mistake. Why? Because when you find out after a fire that some $200,000 or more is NOT covered, due to coverage technicalities that were never explained to you, you will not be happy.
While you may see some oddly funny commercials on TV, the reality is neither odd nor funny when it's your money vs. your insurers paying for your repairs.