Not sure what insurance you need?
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We've created this simple questionnaire to help those who aren't sure what insurance coverage they should be considering. After filling out the questions below, you'll see customized results based on your answers. At the end, you can request a copy of the results to be sent by email.

Do you have a car?*
Do you own a house, or condo?*
Do you rent a home or apartment?*
Do you own a secondary home, or rental properties?*
Are any of your properties near a water source?*
Do you own any 'toys'?
- Motorcycle
- Boat
- ATV
- Snowmobile
- Other
Do you own a business, or are you in charge of your company's insurance?*
Are you a board member?*
Do you want to protect beneficiaries in case of an untimely death?*
Do you want to save for retirement?*
Do you want to protect against long-term disability?*

You may be interested in:
Personal Auto Insurance
We provide coverage for most types of vehicles. We also can coordinate your entire insurance program to include your home, business, and other property. We offer auto coverage, bodily injury liability, carpooling, leasing/gap coverages, medical payments, property damage, rental car, and more.
Homeowners Insurance
We provide coverage for most types of homes. We also can coordinate your entire insurance program to include your home, business, and other property. We offer coverage for liability, personal belongings, special property, structure, slip and fall, and more.
Condo Insurance
Condominium or cooperative unit owners only own the inside of their units. We offer insurance services to help protect you against financial losses and repair costs for a unit, including losses from property exposure or specific items targeted for theft.
Renters Insurance
Tenants live in non-owned habitational spaces. The lack of ownership by the insured means there is no dwelling structure to be insured. The lease may be in writing or verbal and may be short term or long term. We offer coverage depending on the value of contents (furniture, appliances), and personal property, to help cover losses.
Rental Property Insurance
Rental property covered under personal insurance is habitational property owned by an individual, corporation, partnership or LLC, and rented to individuals. The structure may consist of up to four units and the owner may occupy one of the units in a multiunit structure. We offer insurance services for property exposure (wiring, heating, plumbing, etc.), as well as premises liability, meaning the landlord must provide a secure dwelling. All heating units and wiring must be up to code. Trip/fall hazards should be minimized.
Flood Insurance
The chances of your business, home, or personal property being damaged by a flood depends primarily upon where you live. They also depend on other factors. We offer insurance services to help cover potential losses in the event of water damage from flooding.
Motorcycle Insurance
We provide coverage for motorcycles. We can also coordinate your entire insurance program to include your auto, home, business, and other property. We offer coverage and liability for bodily injury/property damage you may cause to other people in an accident (it does not cover you or your motorcycle). We also offer comprehensive coverage for damages caused by events like fire, theft, or vandalism. We offer collision coverage, passenger coverage, and uninsured/underinsured motorist coverage as well.
Watercraft Insurance
Most companies offer liability limits starting at $15,000 and which can be increased to $300,000. Typical policies include deductibles of $250 for property damage, $500 for theft, and $1000 for medical payments. Higher limits may be available. Additional coverage can be purchased for trailers and other accessories. Boat owners may also consider purchasing an umbrella liability policy which will provide additional protection for their boat, home, and car.
Recreational Vehicle Insurance
Recreational vehicles is a broad category, varying from unpowered units towed behind vehicles to self-powered units. Sometimes this includes off road vehicles. We can advise you on the requirements and best insurance options for your situation. Basic recreational vehicle types can include: bus conversions, fifth-wheel trailers, motorhomes, travel trailers, truck campers, ATVs, quads, scooters, golf carts, etc.
Business Auto Insurance
Almost every business may face a loss due to its owning, renting, using, or loading/unloading a vehicle. Most coverage needs can be handled by a business auto policy (BAP) or similar form. BAPs may cover a variety of operations, including trucking, garaging, public and private transport, and businesses with auto exposures that fall outside the other classes. Coverage is flexible, typically covering protection for physical injury to others, collision damage, towing and labor costs for disabled vehicles, and loss from damages caused by fire, lighting, explosion, vandalism and more.
Business Owner's Policy
If you own and/or run a smaller business, your insurance needs may be properly handled by a business owner policy or BOP. BOPs are similar to a homeowners policy, offering both property and liability protection. Businesses such as retailers, wholesalers, small contractors, artisan contractors, dry cleaners, restaurants, offices, and convenience stores (including those with gas pumps) are eligible for BOP coverage.
Commercial Umbrella Insurance
A commercial umbrella liability policy, increasingly referred to as an excess policy, can provide an additional layer of insurance protection to handle major losses. Umbrella policies can take over where other business policies stop, as an extra layer of defense coverage and additional limits to pay large judgments. Contact us to discuss securing this valuable form of liability coverage. It could help preserve your business.
Employment Practices Liability Insurance
It is important that a business has clear policies that are applied consistently to each employee and that directly relate to their job. Policies and premiums for this type of coverage vary greatly among insurers. Many companies offering it also offer assistance in writing policy and procedure manuals and other ways to reduce the potential for claims involving sexual harassment, wrongful termination, or discrimination.
Professional Liability Insurance
In most instances, a type of coverage called a commercial general liability policy will protect a business against the damage or injury their actions may cause to others. However, this type policy is designed to handle routine, fairly generic, and low-risk activities. Examples are customers who cut their hands on a sharp edge of an office's reception desk or a customer who is hurt when she collides with a clerk who is stocking a shelf. Much more is at stake with professional activities.
Workers' Compensation
On-the-job injuries or resultant illnesses can be costly. Not having proper coverage against these expenses means you could be taking a big financial risk. You can cover the cost of medical expenses and disability payments with Workers' Compensation insurance. Our access to multiple workers' compensation markets enable us to offer our clients competitive pricing with excellent customer service. Typically, Workers' Compensation will pay for medical benefits for job-related injury or disease, disability income benefits, and rehabilitation benefits to help an injured worker return to productive work.
Directors & Officers Insurance
If your business has a board of directors, or you serve on a board of directors, you should make sure your business is not exposed to lawsuits from shareholders. Having D&O (Directors & Officers) Coverage in place helps handle defense costs, or could be set up to offer separate coverage to directors and officers so innocent parties do not have their protection stripped away due to the deliberate, false actions of others.
Term Life Insurance
"Term life" is life insurance in its simplest and purest form, which also makes it a lot more affordable. It has one job: to help you and your family reach your goal — whether that's paying off the mortgage, supporting kids while they're young, or building savings — even if you die. At the end of your term, your coverage will end, and so will your payments. The term is often between 10 and 30 years, for the same payment every month. If you pass within that term, your beneficiaries will be able to file a claim to receive the predetermined payout.
Whole Life Insurance
"Whole life" insurance is the most popular type of "Permanent" or "Cash-value" life insurance. You don't pick a term - it lasts your whole life. It also includes a separate investment component for the customer to borrow against or cash out. With higher premiums, it's more expensive than Term, but as long as you can keep up with premiums (including into retirement), your people should receive a payout when you die.
Long Term Care Insurance
Should you need assistance with the activities of daily living, this affords a tax-free benefit to help protect your assets. Being without this coverage leaves your future comfort at risk. Waiting until you need care to buy coverage is not an option. You won’t qualify for long-term care insurance if you already have a debilitating condition. Most people with long-term care insurance buy it in their mid-50s to mid-60s.
Disability Insurance
Disability insurance is a type of coverage that replaces a portion of your monthly income if injury or illness prevents you from working. It provides financial security for you and any loved ones who may depend on your most valuable asset — your ability to earn a paycheck. You may also hear disability insurance referred to as disability income insurance or income protection.
Request a Copy
If you would like to request a copy of the above information, just fill out the fields below and click "Request a Copy" and it will be emailed to you directly.
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Not sure what insurance you need? Find out in less than 3 minutes.

You may be interested in:

Personal Auto Insurance

Homeowners Insurance

Condo Insurance

Renters Insurance

Rental Property Insurance

Flood Insurance

Motorcycle Insurance

Watercraft Insurance

Recreational Vehicle Insurance

Business Auto Insurance

Business Owner's Policy

Commercial Umbrella Insurance

Employment Practices Liability Insurance

Professional Liability Insurance

Workers' Compensation

Directors & Officers Insurance

Term Life Insurance

Whole Life Insurance

Long Term Care Insurance

Disability Insurance

Request a Copy

Get a Quote

Do you need a quote? We make that easy!

Not sure what insurance you need?
Find out in less than 3 minutes.