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Insurance is our business and we take it seriously. Providing protection for the life, health and property of others is not a casual matter. We offer our clients a full range of insurance products including personal insurance, business insurance and life and health insurance.
Personal Automobile Insurance
We offer personal automobile insurance to fit the needs of our clients including experienced drivers and newly licensed drivers. Our policies provide coverage for liability in the event that you injure someone or damage someone else's property. This coverage is required by the State of Connecticut and the minimum coverage is $20,000 bodily injury per person/$40,000 per accident and $10,000 for damage to the property of others.
If necessary, insurance for damage to your own automobile including collision and anything other than collision such as fire or theft can be purchased. In addition, the policies provide bodily injury protection and your economic loss in the event you are in an accident with someone who does not have insurance or has limits that are insufficient to pay for the loss sustained. You also have the option of purchasing medical payments, which would protect you and your passengers by reimbursing for medical expenses sustained in an accident, regardless of who was at fault.
We realize everyone's need for auto insurance is different. As licensed insurance professionals we are prepared to provide you with the advice you need to make sure you are properly covered in the event of a loss. For a free, no obligation quote please visit our Get a Quote page.
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Homeowners Insurance
Our homeowners insurance policies provide protection for our clients and their families. We offer only the broadest coverage available. Our policies guarantee the replacement of your home in the event of a covered loss and cover your personal property on a replacement cost basis.
There are a number of other types of coverage our homeowners policies provide, including other structures on your property, additional living expenses in the event your home becomes uninhabitable due to a covered loss and personal liability for all members of the family. Personal liability covers damages that the insured becomes legally obligated to pay because of bodily injury or property damage sustained on or off the residence premises.
We also provide coverage for condominium unit owners, renters and those with a unique antique home.
Umbrella liability policies provide an additional layer of protection over your home, auto and other personal policies. Liability coverage limits start at $1,000,000 with annual premiums as low as $120. You will rest easier knowing your assets are protected with this extra layer of protection. For a free, no obligation homeowner quote please visit our Get A Quote page.
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Business Insurance
Every business large or small has a need for property/casualty insurance, but one suit doesn't fit all. As a business owner or manager you are usually well versed in most aspects of your particular business activity. Certain basic auxiliary functions such as accounting, legal and insurance call for professional assistance. Buying business insurance calls for spending your budget dollars to match your potential loss exposure.
The basics of business insurance start with protecting the building and your business property. There are a number of other exposures that need to be covered as well. One of the most important is liability. Your business has a number of liability exposures including but not limited to bodily injury, property damage, personal injury and professional liability. Other exposures include loss of business income should your normal operations be interrupted by an unexpected property loss, business auto accident or crime. You also need workers compensation for your employees who may injure themselves during the course of employment.
We offer a broad range of policies including package policies that combine all these exposures into a single policy.
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Life Insurance
Most people are confused about life insurance. Hearing unfamiliar language used to describe a variety of policy forms is unsettling.
Life insurance is very important to the fabric of the family. There are also many business-related uses of life insurance that should not be ignored.
The two questions most frequently asked: What's the best policy for my family? How much insurance should I buy?
The answers to these questions largely depend on a number of variables, which include age, family finances and risk tolerance. It's not a one-policy-fits-all. To understand life insurance basics, you don't have to be trained in actuarial science. Life insurance is most often purchased because someone loves someone. In an instance someone's world can come crashing down. Time may or may not heal the emotional wounds, but the financial hardships can become a daily reminder of unwelcomed reality.
We can take the "IF" out of life.
What IF you die too soon?
What IF you become disabled?
What IF you live too long?
We represent a group of excellent specialty insurance companies who provide life insurance products, disability income protection and long term care coverage. Peace of mind is only a click away.
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