Life

Insurance

Life insurance is a crucial step in planning for your future and the future of your loved ones.

• Term Life Insurance provides life insurance protection for a specified period of time. Term life is sometimes convertible to permanent coverage, providing you with flexibility as your needs change.

• Universal Life Insurance is a form of permanent life insurance characterized by its flexible premiums, face amounts and unbundled pricing structure. The savings element, premiums and death benefit can be reviewed and altered as a policyholder’s circumstances change.

Commercial

Insurance

Insuring your business properly is our business.  We search for the products to protect you, your investment and your business

• Business Owner's Policy (BOP) - the convenient way to insure small business, downtown shops and churches.  This policy adds a lot of "extras" without extra premium or separate applications.

• General Liability (GL) - Provides coverage when your business is found legally liable

• Property - Coverage for your building

• Inland Marine - Coverage for your stock, equipment and supplies

• Commercial Auto- Company vehicles and their drivers can be insured

• Workers Compensation - Required by law for any business with employees.  We can help you navigate your experience modification rate, audits and safety training.

• Excess Liability - "Umbrella" insurance for your business.  This coverage fills many gaps in liability and enhances underlying limits.

Crop

Insurance

Crop Insurance is an essential piece of farm asset management. 

• Multi-Peril Crop Insurance (MPCI) - provides coverage for your crops.  We help you navigate the current program and develop a plan to protect your most valuable asset: your income. From prevented plant coverage to yield exclusion, we learn from the experts and pass it on to you.

• Crop Hail - specific peril coverage.  We can help you decide if this coverage is best for you and your farm.

Specialty

Insurance

Looking to insure something out of the ordinary?

• Special events: weddings, fundraisers including races, tournaments, fairs

• Professional Liability including accountant, notary, attorney, veterinarian

• Cyber Liability

• Employer Liability

• Schools

• Municipalities: City, County, Chamber of Commerce

• Long Term Care Insurance - protect your nest egg when you need extra medical care

• Have an "unusual" insurance coverage you're seeking?  Give us a call and we'll problem solve with you.