Commercial

Commercial or business insurance is coverage for businesses, corporations, sole proprietors and independent contractors that provides protection if someone is hurt, property is damaged, or your business is deemed negligent in the course of you performing your services. As there are various types of businesses, there are numerous types of business insurance coverages addressing different needs and situations. These policies are tailored and customized to the size, services, and uniqueness of each business.

business

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personal

Personal

Personal lines insurance is designed to protect individuals and families against losses that result from death, injury, loss of income, loss of property and personal lawsuits. Like all insurance, these policy may not cover every situation that occurs, however they can dramatically reduce the financial hardship and out pocket impact families face during unforeseen situations.

Medical

Medical or Health insurance is coverage that helps to pay the cost of hospital expenses, surgical expenses and physician office visits incurred by an individual due to an illness or an injury. These policies reimburse or pay the expenses directly to the provider. They can be offered as individual health plans, group or employer plans, Affordable Care Act plans or non-Affordable Care Act plans. Disability policies and other medical supplement plans, help to lessen the potential loss income and out of pocket expenses that often occur with injuries and illnesses. Dental and visions plans are also considered a form of health plans.
Medical & Employer Group Benefits are coverages that help to pay the cost of hospital expenses, surgical expenses and physician office visits incurred by an individual due to an illness or an injury. These policies reimburse or pay the expenses directly to the provider. They can be offered as individual health plans, Affordable Care Act plans or non-Affordable Care Act plans and group or employer plans. Disability policies and other medical supplement plans, help to lessen the potential loss income and out of pocket expenses that often occur with injuries and illnesses. Dental and visions plans are also considered a form of health plans.
medical
bonds

Bonds

A bond is an obligation of a surety or insurance company to protect an individual or a business against financial loss caused by the acts of another party. There many types of bonds and are often required by contractor owners, municipalities, and entities whom a company does business with. Bonds can provide protection against the failure to perform work to claims against an employee’s theft of a customer’s property.