Auto, Home, Business Insurance – Tampa, FL – Garland Insurance, Inc #auto #insurance, #bonds, #business # #amp; #commercial #insurance, #flood #insurance, #health #insurance, #homeowners #insurance, #life #insurance, #motorcycle #insurance, #recreational #vehicle #insurance, #renters #insurance, #lakeland, #fl


Auto, Home, Business Insurance – Tampa, FL

What type of insurance coverage do you need?

That can be a tricky question to answer. Many aspects of your life require insurance coverage. Your home, your car, even your life. To give your assets proper protection, you want to have coverage that fits your needs.

At Garland Insurance, we are here to listen. We treat you like family, and we understand that every insurance holder is different. You need different coverage than your neighbor. You don’t need a one-size-fits-all approach when buying insurance.

We are a family-owned business. Nothing is more important to us than providing customized, one-on-one service for our clients. Since 1987, we have worked with the people of Polk County to meet their insurance needs. We will treat you with service that makes you another member of the Garland family. We also serve Lakewood, Orlando, Winter Haven and the surrounding areas in Florida.

Some people have great insurance histories. Other people don’t have the best track record when it comes to insurance. But, we can work with you no matter what your insurance history or needs are. We are here to help.

We are an independent agency, and we have contacts with a wide variety of insurance companies. We can compare and write policies with over thirty different insurance companies. Therefore, we can customize your coverage and get you the lowest prices at the rate you need. Our customers are always at the forefront of our business goals.

As a property and casualty insurance provider, we can write policies that include:

  • Auto Insurance
  • Home Insurance
  • Business Insurance
  • Life Insurance
  • Boat Insurance
  • Health Insurance

We also offer a wide variety of specialized policies like RV and motorcycle insurance, renters insurance and flood insurance.

Give us a call, request a quote online, or stop by our office today. If you are unsure of what type of insurance coverage you need, we are happy to help. We will work with you individually to get you the lowest costs and the best coverage.

What are you waiting for? Get in touch with us today. We will be glad to see you!

Colorado Springs Renters Insurance – Cheap Renters Insurance Quotes in Colorado Springs #renters #insurance #colorado #springs



Colorado Springs renters insurance companies provide coverage for residents renting homes in the Colorado Springs area. Colorado Springs is the county seat of El Paso County near the geographic center of Colorado, and the second-largest city in the state. Thousands of renters live in and around the city and the metropolitan region surrounding Colorado Springs. Renters insurance is a sometimes overlooked, but critically important, form of coverage designed especially for the needs of those in Colorado Springs who do not own their home. Whether you are living in a house or apartment or any other rental, Colorado Springs renters insurance represents a great value and is well worth considering as an investment to protect you and your belongings against the risk of loss. Plus, it is quick and easy to get free renters insurance quotes when using this website.

What’s Included in Colorado Springs Renters Insurance

The first component of Colorado renters insurance is its personal property insurance coverage. Colorado Springs renters who buy this coverage get their belongings insured against loss due to any number of covered events, such as storm, vandalism, fire, theft and many others. You can obtain a comprehensive listing of covered claim events as a part of a free quote for coverage on your condo or loft from any Colorado renters insurance provider. The coverage included in each part of your renters insurance plan is determined at the outset, when you determine the maximum amount of coverage you want to carry.

A default Colorado Springs renters insurance policy might include $20,000 to $30,000 worth of personal property coverage, but you can increase the amount if you so desire. As a general rule, you should carry as much Colorado Springs renters insurance as you can afford, making sure to buy enough coverage to replace everything you own. It is very important to know what you are getting into when you look for coverage from different providers, so take the time to figure out exactly how much you own and what it would take to start over in the worst-case scenario. The easiest way to do this is to take inventory of your valuables and belongings. Your Colorado Springs renters insurance premium will vary based on how much property coverage you need and how high you set your deductible.

The same is true of the other portion of a basic Colorado Springs renters insurance plan. Personal liability coverage shields you from having to personally bear the financial brunt of certain types of liability situations that may transpire. One example is injury occurrences at your rented condominium or townhouse. If a non-relative visitor to your home gets injured while on the rental premises (from a slip and fall, a bad cut, etc.), it is quite possible you may be looking at a liability situation.

Many Colorado Springs residents will never face this type of situation, but it does happen, and it pays to be prepared. If an injury does occur at your rented home, you might end up being held responsible for financial losses incurred by the victim, such as medical bills, lost wages, and even legal fees if the case goes into litigation. Ideally, all of us hope we never have to face this type of circumstance with our friends and acquaintances, but again, it pays to be prepared.

Benefits of Purchasing Colorado Springs Renters Insurance

One great benefit of this insurance plan for Colorado Springs tenants is that it follows you when you leave home. The coverage you buy does not just protect you in your apartment or condo. Wherever you go, you can file a claim under covered circumstances. For example, if you are traveling out of town and experience a covered loss to your personal property, your Colorado Springs renters insurance will kick in no matter ho far from Colorado Springs you go. If you run into a liability situation involving property away from your rented domicile, your Colorado Springs renters insurance can help you in that circumstance as well.

Whether you are a Colorado College student renting an off campus apartment, a senior citizen living in a rented condo, or anywhere in between, you can see the advantage of carrying coverage that’s as comprehensive as it is economical. A young person working her way through school and renting her own place is normally no longer covered under her parents’ insurance policy. If you are a young person getting out on your own and tasting freedom for the first time, remember the responsibility that comes with that freedom. You have no one to answer to but yourself if something goes wrong and you have no fall-back plan to rely on. A simple Colorado Springs renters insurance policy is a wise component of a disciplined financial lifestyle that will pay off in the long run.

Someone in mid-career or an individual reaching retirement age needs the assurance provided by Colorado Springs renters insurance just as much as a young person, if not more. The further you go through life, the more possessions you tend to accumulate, and the more difficult it would be to start from scratch if you were forced to do so by circumstances beyond your control. When you become a senior and begin living on a pension or other fixed income, the trouble increases even more, making reliable renters insurance even more important for you as a Colorado Springs resident.

A single renter or a large family sharing a rented home each can gain a great deal of peace of mind for a relatively small price. The average cost of renters insurance across the state of Colorado is only around fourteen dollars a month [1], certainly a figure most of us can work into our budgets. Times are tough for a lot of us these days, and extra money is scarce, but investments like this require thinking long-term and understanding what it is you are getting for the upfront cost of coverage. To find out more specifics, do the research and look into getting some coverage.

Where to Look for Colorado Springs Renters Insurance

If you already have a good relationship with an agent, your first move should probably be to your agency. Find out if your current provider carries renters coverage, and if so, get yourself a quote taking into account any multi-policy or loyalty discounts you can dig up. At the very least, this price can be the baseline for your search. Next, use your computer to search online for insurance coverage. In many cases you can solicit multiple quotes free of charge. Use our site to get started. You may be surprised how many companies offer coverage to Colorado Springs residents. The whole online process is fast and easy, and company websites are usually fairly informative and helpful sources of information to help you narrow your options.

Renters within the city and all across the state of Colorado would be wise to equip themselves with a plan that goes to bat for them when unfortunate circumstances come their way. None of us can predict when trouble may arrive, but each of us can do a better job to prepare to respond and move forward when troublesome events do transpire. From storms to fire to liability, Colorado Springs renters insurance helps you get ready expect the unexpected in your life as a renter.

Request a comparison from leading Colorado insurance companiees today. Our service provides free renters insurance quotes throughout the Colorado Springs, Colorado areas of Monument, Manitou Springs, Black Forest, Calhan, Cascade, Ellicott, Falcon, Fountain, Palmer Lake, Peyton and more.

Auto Insurance Fayetteville – Spring Lake, NC #al #kerr #insurance #and #associates, #automobile #insurance, #homeowners #insurance, #renters #insurance, #fayetteville, #nc, #spring #lake, #nc


At Al Kerr Insurance and Associates. we make insurance simple. Our insurance products and services are available for individuals, families, and businesses. When you are in need of insurance coverage or are simply interested in shopping around to make sure that you re getting the best rates and coverage available to you, give us a call. We ll make sure that you get the best auto insurance, homeowners insurance and renters insurance rates paired with our friendly service.

We have two convenient office locations, in Fayetteville, NC and Spring Lake, NC, to best serve your insurance needs.

You can trust our team to find the best homeowners insurance rates!

Homeowners insurance is one of the most important components of owning a home. We’ll help you make sure your house is protected from all sorts of circumstances.

Offering the best rates for auto insurance.

You need auto insurance, but it doesn’t have to be a financial burden. Use our online tools to get an auto insurance quote in less than 10 minutes! A good auto insurance policy will protect you, your passengers, and your vehicle. Call us today to find a policy that works for you.

Renters insurance policies you can depend on.

If you rent your living space, it’s important to make sure your belongings are properly protected. Whether you’re living in Spring Lake or Fayetteville, NC, we can find a renters insurance policy that is right for your budget and needs. Call us today to find out more about renters insurance.

Homeowners and Tenants Insurance: Renters Insurance #difference #between #homeowners #and #renters #insurance


Homeowners Tenants Insurance

Renters Insurance

Many uninsured renters are under the mistaken impression that their landlord s policy covers their possessions. A landlord does not provide insurance for a tenants personal property. An exception to this can occur if the landlord was aware of a prior hazardous condition, failed to correct it in a reasonable time frame, and as a result your property was damaged.

If you are a renter residing in New York, by law the building owner is required to maintain insurance on the dwelling you rent. This means that the building itself is insured, and should something happen to this structure as the result of fire, water damage, etc, the building owner is entitled to file a claim. However, the landlord’s insurance does not protect you as a renter. If this same fire or water damage should ruin your sofa, clothes or other personal items, you are not protected against the loss of these items unless you buy a renters insurance policy. Moreover, if someone becomes injured while on the premises you rent, you could potentially be held liable for any medical and hospital expenses.

To protect yourself and your belongings, renters should consider purchasing renters insurance, also known as tenants insurance.

What is Renter’s Insurance?

Renters insurance, also known as tenants insurance, is a type of policy offered by most major New York insurers. These policies provide contents coverage and liability protection in the event someone becomes injured at your residence.


Renter s insurance is generally less expensive than many people realize: a basic policy costs about $300 a year for around $50,000 worth of property protection.


Coverage generally provided under a Renter’s Policy includes:

  • Personal Property
  • Loss of Use
  • Personal Liability
  • Medical Payments to Others

Renter’s insurance typically covers loss or damaged caused by:

  • Falling objects
  • Weight of snow, ice or sleet
  • Water (plumbing failure, appliance failure, fire sprinklers or other accidental discharges of water)
  • Electrical surges

It also may cover:

  • injuries that others sustain while at your home (including medical expenses and any resulting lawsuits)
  • damage that you may cause to other people’s property
  • living Expenses. If your rental unit is damaged and you need to live elsewhere during repair

Your renter’s insurance policy will generally pay to replace any property that is stolen, damaged or destroyed by a covered cause, subject to any policy limits or exclusions. This includes, but is not limited to:

  • appliances
  • jewelry (limited)
  • collectibles (limited)

Important Note: Renters insurance often protects your belongings even when you’re away from home. So, if your laptop is stolen from your car or your bike gets taken from the rack at work, your renters insurance may pay to replace them.

Consider whether you may need more protection than the basic renters insurance policy provides. Coverage you may be able to add includes:

  • high value items – a good idea if you own jewelry, artwork, antiques, collectibles or firearms with a total value that exceeds your policy’s maximum pay out for such items.
  • earthquake or flood – a must-have if you live in an area prone to such conditions. a standard renters insurance policy does not include coverage for a flood or earthquake.
  • sewer and drain back-ups – back-ups happen more often than you would think, and they cause a lot of damage when they do.
  • replacement value coverage – if you make a claim, you’ll be reimbursed for the full replacement cost of your items – rather than the depreciated cash value of your items.
  • home business and business merchandise coverage – if you work from home, or store business inventory at home, consider adding a home business rider to boost your equipment and liability coverage. most policies offer very little coverage for business equipment or inventory.

Things to Remember

Before purchasing a renters policy, conduct a complete inventory of all your personal belongings, taking photos or a video of things like furniture, jewelry and expensive electronics items. Calculate the replacement costs for these items and double check with your insurance agent to make certain you are fully protected against any type of loss.

Choose the coverage according to your property. If you have a lot of electronics, choosing a policy that provides replacement cost coverage instead of actual cash value coverage might be the best option for you.

Like they do for homeowners, most insurance companies offer discounts to a rental policyholder to lower the cost of premiums. They may offer discounts for smoke detectors, dead bolts, etc.

Make sure that the policy has liability coverage. The best renters insurance policies will also include liability coverage for medical and legal costs if someone gets hurt in your residence.

The best renters insurance policies will also include emergency living expenses. This means that if you have to vacate the property due to damage, the insurance company will pay for you to live somewhere else.

Condominium Insurance

A condominium association typically will have insurance that covers the building structure and common areas, such as corridors.

Separately purchased condominium insurance covers the unit-owner and is similar to renters insurance. Coverage typically includes interior damage to the unit, personal property and improvements. Loss of use is generally limited to 40 percent of the contents limit.

Loss Assessment Coverage can be an important policy provision. It covers certain assessments the condominium association may make due to a covered loss, such as fire affecting a common area. Carefully analyze the type of insurance your association has and how it might affect you in the event of a loss.

Granville Island Boat Rentals – Vancouver Rental Boats #renters #insurance #vancouver


Boat Rentals Vancouver

Best Boat Rental Rates.

Boat Rentals in Vancouver

Experience the exhilaration of boating around the most beautiful city in the World

Granville Island Boat Rentals. located in the heart of downtown Vancouver, has the safest and most modern boat rental fleet in Vancouver. We have been servicing all of Vancouver’s speed boat rental needs since 1982.

Experience the thrill of driving your very own private speed boat while navigating the majestic Vancouver coastline and surrounding Islands.

The newest boat rental fleet in Vancouver
The best boat rental rates. Guaranteed.
A free one day boating license with every rental
The best boat rental location
3 hours of free public parking (subject to availability)

If it’s zipping around the harbour you’re after, or a peaceful, leisurely cruise, we have the boats for you and your friends. There is no better way to experience the magnificent waters of Vancouver.

Adventure awaits. look up and catch sight of a bald eagle or gaze down at a harbour seal. Boating in and around Vancouver is truly an unforgettable experience, nothing brings a family or friends together like a day on the water. Put us down on your itinerary for fun.

Drop a crab trap at the start of your rental and pick up on your way back. Catch something for dinner.

Fancy having fresh caught crab for dinner? Then why not rent a crab trap to drop the next time you rent a boat. Just minutes after leaving our boat rental dock you will be at some great crabbing spots. Go Crabbing.

Why not try your hand at some fishing? Drop a line on your next rental and see if you can catch some local flounder or salmon. Whether your a beginner or seasoned fisher its a great day out on the water. Go Fishing.

Vancouver Boat Rentals

Granville Island Boat Rentals has been operating on Granville Island in the heart of downtown Vancouver since 1982. Boat renters come back year after year to enjoy the safest and most modern boat rental fleet in Vancouver. Granville Island Boat Rentals has served over half a million customers since it began renting boats in 1982.

Even if you have never driven a boat before there is no need to worry, our easy to operate boats make boating fun for everyone. Driving is easy with a lever to control your speed and a wheel just like a car to steer. Granville Island Boat Rentals helpful staff make sure everyone is comfortable before they leave the dock and go through everything you need to know like maps of the area, how to drive the boat and safety equipment. Navigating the waters around Vancouver is easy as there are many landmarks to help guide you.

If boating is something you have always wanted to try then contact Granville Island Boat Rentals today to book your boat rental adventure.

Granville Island Boat Rentals is located in the heart of downtown Vancouver on Granville Island. Granville Island is popular with locals and tourists with millions visiting every year. You could spend your entire day on Granville Island shopping and eating and with our Boat Rentals location right on Granville Island you can easily rent a boat and get out and enjoy the amazing views of Vancouver.

Minutes from our Granville Island Boat Rental location you will be out in English Bay in your rental boat exploring the sites Vancouver has to offer. While exploring Vancouver’s coast line with Granville Island Boat Rentals look out for wildlife like seals, bald eagles, marine birds along the way. There is so much to see and do when you rent a boat with Granville Island Boat Rentals.

Go west on your boat rental towards Bowen Island and you will get amazing views back of the city while boating by lots of tankers that dot English Bay. Continue on your boat rental up towards the Seal Colony at Pam Rocks where you will find around 150 seals relaxing, playing and jumping into the water. You will be amazed at how many seals you will see from your boat. Boating to the east, you will see Vancouver’s beautiful skyline from coal harbour and taking your boat rental further you will reach the amazing mountain fjords at Indian Arm. At the top of Indian Arm you will find Granite Waterfalls, this is a great place to stop your boat and relax on your boat rental in the peaceful surroundings. Renting a boat with Granville Island Boat Rentals is a must in Vancouver.

Guest Comments

“. What a rocking great time the two guys at the shop where right on. Very informative with local conditions where not to go and most important were to go! Boats are in excellent condition and handle great an excellent way to take a trip without a large crowded tour boat. Also too the water was extremely refreshing. Thanks for the great time. “
– Richard ?>

Find Renters Insurance Savings in Illinois #renters #insurance #illinois


Illinois Renters Insurance

There are several thousand rentals in the state of Illinois. Although most landlords here have their own insurance policies on the home, condo or apartment that is rented, that policy won’t cover the renter’s personal belongings. It is up to each individual tenant to take out an insurance policy that will cover their items. When would renters insurance be good to have? If you find yourself the victim of a burglary, theft, fire or natural disaster, you will want to have Illinois renters insurance in place to protect your investment.

Some people think that they don’t need insurance, because they feel they have nothing of value, but those people usually change their minds when they experience a loss from theft, weather damage, or fire. Renters insurance is a simple way to prepare for the unexpected. Find an independent agent in the Trusted Choice® network today to help you compare Illinois renters insurance quotes and find the best policy for your situation.

Protecting Your Belongings

  • The average annual premium for renters insurance in Illinois is $169.
  • 33% of all burglars enter through the front door; 23% enter through windows.
  • Deadbolts on doors and secure window locks can prevent most burglaries.
  • The risk of serious injury or death in a residential fire is cut in half for those who have functional smoke alarms.

Risk factors for burglary and fire can affect your Illinois renters insurance premiums. By ensuring that your home has working smoke detectors, window locks and deadbolts, you can help reduce your insurance premiums while you stay safe.

How Do I Know If I Need Renters Insurance?

  • How much are the contents of your home worth?
  • Have you inventoried your personal possessions?
  • What will happen if someone is injured on your property?

To protect your personal belongings, a separate Illinois renters insurance policy is a good idea to have. Speak with your agent to determine the right coverage levels for you.

What Does a Renters Insurance Policy Cover?

Your Illinois renters insurance policy may include protection for the following losses (be sure to check with your agent to confirm what your insurance covers):

  • Your personal items, such as computers and laptops, jewelry, furniture, clothing and other items
  • Unauthorized credit card transactions
  • Accidents
  • Damage to other people’s property (which you may be held liable for)

A renters insurance policy is a simple way to cover your personal belongings. Even though a landlord’s insurance policy will cover the cost of repairing or rebuilding the structure of the apartment or rented home you live in, if you aren’t financially able to replace your belongings, you will want to have renters insurance coverage in place.

Although you may not feel that your belongings have a high value, estimating the cost of replacing them can help you get the right coverage in place. What about your home computer and other electronics? Furniture is also expensive to replace, even if you choose second-hand pieces. If you experience a total loss, make sure you can financially handle starting over.

Where Can I Find Illinois Renters Insurance Quotes?

Although your personal property may not seem like much until you think about replacing it, you have thousands of dollars invested in your home. Most people cannot afford to replace it all in the event of loss. In most cases, the insurance policy you would need to cover your personal property would cost less than a dollar a day. That’s inexpensive compared with the cost of paying to replace your personal belongings if something were to happen to them. Also, if you do have items of high value, you might consider adding a personal articles policy to cover those specific items.

The most convenient way to find Illinois renters insurance coverage to fit your needs is by contacting an independent agent in the Trusted Choice network. An independent agent can help you compare Illinois renters insurance quotes from various companies to choose the most suitable option for your situation and budget. Find a local member agent in the Trusted Choice network today.

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Homeowners Insurance #topsearch, #homeowners, #home, #condo, #renters, #policies, #dwelling


Homeowners Insurance

Homeowners insurance pays to repair or replace your house and personal property if they’re damaged or destroyed by an event or occurrence covered by your policy. These events or occurrences are called “covered losses.”

Note: An insurance policy is a contract between you and your insurance company. Read it carefully to understand exactly what it covers and the dollar limit of the coverage. You should also understand your rights. Texas has a Consumer Bill of Rights for homeowners and renters insurance. Your company must send you the Bill of Rights when you get or renew a policy.

Texas Homeowners Policies

Most homeowners policies in Texas include the following coverages:

  • Dwelling pays if your house is damaged or destroyed by a covered loss.
  • Personal property pays if the items in your house (such as furniture, clothing, and appliances) are damaged, stolen, or destroyed.
  • Other structures pays to repair or rebuild structures not attached to your house, such as detached garages, storage sheds, and fences.
  • Loss of use pays your additional living expenses (housing, food, and other essential expenses) if you have to temporarily move because of damage to your house from a covered loss. Your policy will pay either a percentage of the amount of your dwelling coverage (typically 10 to 20 percent) or for a specific period after the loss (such as 24 months).
  • Personal liability pays to defend you in court against lawsuits and provides coverage if you are found legally responsible for someone else’s injury or property damage.
  • Medical payments pays the medical bills of people hurt on your property. It might also pay for some injuries that happen away from your home, such as your dog biting someone at the park. A basic homeowners policy pays $500 in medical bills, but you may buy up to $5,000 in medical payments coverage.

Types of Policies

Insurance companies in Texas may sell several types of policies. If a company offers you a policy with less coverage than you’d like, ask if other policies are available. You may also be able to buy additional coverage by adding endorsements to your policy.

The two types of policies sold in Texas are

  • All-risk policies (also known as a comprehensive coverage or open perils coverage). These policies offer you broad protection and cover all causes of loss unless the policy specifically excludes them.
  • Named perils policies (also known as specified perils coverage). These policies offer narrower protection than an all-risk policy and cover only the causes of loss specifically named in the policy.

Note about replacement cost and actual cash value:

  • Replacement cost is what you would pay to rebuild or repair your home, based on current construction costs. Replacement cost is different from market value and doesn’t include the value of your land. Ask your company if you aren’t sure how much it would cost to rebuild your house.
  • Actual cash value is what you would pay to rebuild or replace your property minus depreciation. Depreciation is a decrease in value due to wear and tear or age. If your home is destroyed and you only have actual cash value coverage, you may not be able to completely rebuild.

To compare policies approved for sale in Texas, visit the Office of Public Insurance Counsel (OPIC) website at .

Policy Coverages

Companies may exclude coverage for certain losses. Even the most comprehensive all-risk policy will exclude certain types of damage.

The following chart shows the most common types of losses covered or excluded from a homeowners policy:

Affordable Insurance for Your Auto & Home – Columbia, SC #auto #insurance, #business # #amp; #commercial #insurance, #contractors #insurance, #flood #insurance, #homeowners #insurance, #life #insurance, #motorcycle #insurance, #other, #recreational #vehicle #insurance, #renters #insurance, #trucking #insurance, #watercraft # #amp; #boat #insurance, #columbia, #sc


Columbia, SC Auto, Home Business Insurance

Also Serving Irmo, Chapin, Lexington Surrounding Areas in South Carolina

Established in 1985, Affordable Insurance Group is a full-service independent insurance agency that aims to offer customers the right policies for a modest price. Based in Columbia. our agency serves customers in Lexington. Chapin. West Columbia. Irmo and surrounding areas in South Carolina .

Our agents understand your time is important, which is why we shop for insurance products on your behalf. We work with a network of trusted insurance providers so we can find the best match for your needs. Whether you’re looking for personal insurance products to protect your family or commercial insurance products to protect your business, we’re equipped to offer you the right solutions.

Some of the insurance policies we can write include:

One way we work to help make insurance easy for you is by offering free information here on our website. You can learn about different products and the benefits of personalized coverage. Then request a free quote 24/7 . whenever it’s most convenient for you.

Whether you’re looking for insurance, retirement plans or simple advice, Affordable Insurance Group can help save you time and money. Shopping for insurance may not be your idea of fun, which is why we take the burden off of you.

Contact us online or by phone or drop by our office today for more information about how our agency can help protect you, your family and your business through the use of custom-tailored insurance policies and well-crafted financial advice.

Travelers Insurance #auto #insurance, #car #insurance, #homeowners, #renters, #condo, #flood, #travelers, #travelers #companies, #small #business, #medium #business, #large #business, #financial #product #insurance


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Switch to Travelers Home Insurance and you could save up to 28%.

  • 28% average savings is based on new direct homeowners (dwelling) policyholders countrywide who reported savings to Travelers in 2015. Individual savings may vary. Savings not guaranteed. Insurance is underwritten by The Travelers Indemnity Company and its property casualty affiliates, One Tower Square, Hartford, CT 06183.

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    Commercial Insurance #insurance, #new #jersey, #car #insurance, #auto #insurance, #automobile #insurance, #homeowners #insurance, #coastal #insurance, #flood #insurance, #renters #insurance, #ocean #city #nj #insurance, #margate #insurance, #marmora #insurance, #vineland #insurance, #egg #harbor #twp #insurance, #life #insurance, #health #insurance, #bed #and #breakfast #insurance, #business #insurance, #boat #insurance, #nj


    Commercial Insurance

    Running a small business involves a significant investment. Business insurance protects your investment by minimizing financial risks associated with unexpected events such as a death of a partner, an injured employee, a lawsuit, or a natural disaster. Unless you are an employer, business insurance is generally not required by law, however, it is common practice to purchase enough insurance to cover your assets. If your business is an LLC or a corporation, your personal assets are protected from business liabilities; however, neither business structure is a substitute for liability insurance, which covers your business from losses.

    Your state government determines insurance requirements for businesses. Most states require businesses with employees to pay for workers compensation insurance, unemployment insurance, and state disability insurance. Your state may require insurance of specific business activities. For example, if you own a car or truck and use it for business purposes, you may be required to purchase commercial auto insurance. Finally, your financial lender or investors may require you to maintain life, business interruption, fire, flood or other types of insurance to protect their investments.

    No-Obligation Quotes • Great Rates • Friendly Service • Experience

    Insurance is complex . Without the help of licensed and knowledgeable people, costly mistakes can jeopardize the solvency of your personal assets. Because clients needs are vastly different, we prefer to conduct a short telephone interview (usually 10-15 minutes) to determine the program which is specific and appropriate for you.

    Call us at 1-800-220-6613 . For your convenience we have set up some forms that include many of the questions we will ask you when you call. You can complete and submit a form if you like and we will contact you. We have people who will answer your questions.

    Property Insurance

        Property insurance covers everything related to the loss and damage of company property due to a wide-variety of events such as fire, smoke, wind and hail storms, civil disobedience and vandalism. The definition of property is broad, and includes lost income, business interruption, buildings, computers, company papers and money.
      Property insurance policies come in two basic forms: (1) all-risk policies covering a wide-range of incidents and perils except those noted in the policy; (2) peril-specific policies that cover losses from only those perils listed in the policy. Examples of peril-specific policies include fire, flood, crime and business interruption insurance. All-risk policies generally cover risks faced by the average small business, while peril-specific policies are usually purchased when there is high risk of peril in a certain area. Consult your insurance agent or broker about the type of business property insurance best suited for your small business.
    • Commercial Buildings
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    • Floater Policies for Tools and Equipment
    • Flood Insurance

    Liability Insurance

      Business owners purchase general liability insurance to cover legal hassles due to accident, injuries and claims of negligence. These policies protect against payments as the result of bodily injury, property damage, medical expenses, libel, slander, the cost of defending lawsuits, and settlement bonds or judgments required during an appeal procedure.
  • Commercial Liability
  • Commercial Automobile
  • Workers Compensation
  • Directors and Officers
  • Employee Benefits
  • Employment Practices Liability
  • Surety/Bonding
  • Fidelity Bonds
  • Umbrella/Excess Liability
  • Professional Liability Programs

    • Accounting Firms
    • Architects and Engineers
    • Consultants
    • Dentists and Oral Surgeons
    • Healthcare Facilities
    • Schools
    • Imaging Centers
    • Law Firms
    • Nursing Homes
    • Physicians and Surgeons
    • Real Estate Agents
    • Surgicenters

    10 Ways to save on your business insurance without sacrificing coverage

    There s more to saving money than reducing your premium. With our approach to business insurance there are 10 ways to save when you renew!

    1. KNOW YOUR INSURER : We represent a number of fine companies, and we know which ones want your business. In short, we do the shopping for you.
    2. GAPS AND OVERLAPS : Take advantage of our commercial coverage survey that eliminates expensive overlaps and reduces the chance of devastating gaps.
    3. RETAIN AFFORDABLE RISK : By prudent risk retention, you use deductibles to reduce your overall insurance expenditure.
    4. DON T UNDER-INSURE : Just as we help you not to over-insure, we work with you to review and consider all of your exposures.
    5. DON T GUESS AT LIMITS : Very often increased limits especially liability are only costly when you underestimate the high-end of a lawsuit.
    6. DON T OVERLOOK EXCESS . A liability policy that picks up where your primary coverage leaves off can not only save you money it can save your business.
    7. BUSINESS INTERRUPTION : Can any business owner afford to lose his/her income while waiting to rebuild after a fire or other catastrophe? The answer is NO!
    8. CHECK FOR DISCOUNTS : Often insurers will provide discounts on the Policy when proper fire walls, sprinkler systems, burglar alarms, etc. are in place.
    9. PRODUCTS LIABILITY : Because you don t manufacture the products you sell, doesn t mean you can t be sued and won t have to pay lawyers.
    10. MULTIPLE INSURERS . Sometimes it pays to split your coverages, we can do that when it makes economic sense to use more than one carrier.

    MOST IMPORTANT : Before you just write another check to renew your coverage, give us a call. We ll help you save money on your business insurance without sacrificing coverage. If your current business policy(s) are renewable within 90 days, please call us immediately, and we ll work on a competitive quote right away!