BENEFITS OF A BROKER: You get quotes from various carriers and as your needs change, your broker can re-quote to provide the coverage you are looking for. Get the best of both worlds. A local agent to review and discuss your coverage as well as access to the carrier and online documents and services per each carrier's options.

AUTO HOME UMBRELLA: Personal insurance has changed and if you are not current with your coverage, you may have a gap.

DID YOU KNOW: If a driver in your house or a driver that has regular access to your vehicle/s and is not listed as a driver on your policy there may not be any coverage or coverage may be limited. If your roof is older, your coverage may be limited or no coverage. If you have a pet, some policies may exclude animal liability or it may be limited. Not all insurance will cover for every exposure. Get a review.

PROFESSIONAL LIABILITY: Professional Liability Insurance is a Claim Made and Reported Policy Form. Coverage provided is for malpractice committed by a company's members, partners or employees in the course of their professional duties where the business could become legally liable. It does NOT cover General Liability and General Liability does NOT cover Professional Liability. Each policy form varies, refer to your specific policy form for limits, coverage and exclusions.

CYBER LIABILITY: Cyber breaches are an everyday occurance now. If you conduct business with any electronics, find out your exposure and request a quote.