Services
Auto Insurance
Auto Coverages
- Auto
- Motorcycle
- ATV/UTV
- Watercraft/Boat
- AllTrailers
- Gold Cart
- Motorhome
- Classic Vehicles
What is bodily injury liability?
Bodily injury (BI) liability is the part of your liability coverage that covers other parties' medical bills and injury-related expenses when you're liable in an accident. For example, if you rear-end someone at a red light and they have neck and knee injuries, your BI liability can pay for their medical bills, wages they lost because of the accident, and the legal fees you may incur if there's a lawsuit. BI is part of the liability coverage on most vehicle insurance policies — you don't need to purchase special "bodily injury insurance" to get bodily injury coverage.
What is property damage liability?
Property damage (PD) liability covers other parties' vehicle and property repairs when you're considered at fault in an accident — it's part of your liability coverage. For example, if you fail to stop at a red light and hit another car and a road sign, your PD liability can pay for the repairs to the other car and the road sign. Nearly every state law requires PD — it comes with every vehicle insurance policy.
What is uninsured motorist coverage?
Uninsured motorist coverage protects you if you're hit by a driver who has no auto insurance. Underinsured motorist coverage, which is usually offered alongside uninsured motorist coverage, protects you if you're hit by a driver who doesn't have enough coverage to pay for the damages or injuries they caused. Uninsured/underinsured motorist insurance covers your injuries, your passengers' injuries, and damage to your vehicle if you're hit by a driver who doesn't have enough or has no auto insurance coverage. If you're a victim of a hit-and-run accident, you can file a claim against your uninsured motorist coverage.
What is medical payments coverage?
Medical payments coverage, also known as MedPay, is an additional coverage option for auto insurance policies in most states. In the event of a car accident, this coverage can help pay for medical expenses for you or your passengers, even if you're at fault
Comprehensive Auto Coverage?
Comprehensive coverage pays for damage to your vehicle caused by events outside of your control, such as hail strikes, fallen branches, and animal collisions. Comprehensive is not legally required in any state, but it may be required by your lender if you're leasing or financing your vehicle.
Collision Auto Coverage?
Collision coverage helps pay to repair or replace your vehicle after an accident, regardless of who's at fault. It also applies if you hit an object, other than an animal, such as a tree or utility pole. Collision coverage is optional, but many leasing companies and lenders require it as part of their loan/lease agreement. When you add collision coverage to your auto policy, you'll choose a deductible amount, which is the amount you'll pay out of pocket to repair or replace your car when you file a collision claim.
Business Insurance
Business Coverages
- General Liability
- Businessonwer Policy
- Work Comp
- Commercial Umbrella
- Excess Coverage
- Contractors
- Data Breach
- Professional Liability
- Inland Marine
- Event Insurance
- Bonds
- E&O
What is General Liability?
General liability insurance (GLI) can help cover claims that your business caused bodily injury or property damage. General liability insurance (GLI) is sometimes called business liability insurance or commercial general liability insurance or comprehensive general liability (CGL). You can get GLI as a standalone policy or bundle it with other key coverages through a Business Owner’s Policy (BOP).
What is Work Comp Insurance?
Workers’ compensation insurance provides medical and wage benefits to people who are injured or become ill at work. The coverage is mandated by each state and the wage and medical benefits vary by state. Workers’ compensation is considered a social insurance because it relies on a social contract between management and labor, wherein exchange for purchasing workers’ compensation insurance, business owners are protected from civil suits from their workers who become injured on the job.
Commercial Umbrella/Excess Coverage?
Help protect your business from these events with umbrella and excess liability solutions. Umbrella coverage can expand protection over existing liability policies, helping mitigate the risk of coverage gaps. And for companies seeking extra protection, excess liability solutions can offer higher limits for underlying policies to help safeguard against unforeseen, catastrophic losses.
What is Businessowner Policy?
A Business Owner’s Policy (BOP) combines business property and business liability insurance into one business insurance policy. BOP insurance helps cover your business from claims resulting from things like fire, theft or other covered disasters. Business owner’s insurance also helps cover claims that could arise from your business operations. These include claims of bodily injury or property damage. They also include claims related to personal and advertising injury.
Property Insurance
Home Coverages
- Homeowners
- Rental Property/Landlord
- Seasonal Homes
- Vacant Homes
- Mobile Home
- Renters
What is personal liability coverage?
Personal liability coverage, sometimes referred to as personal liability insurance, protects you financially if you're responsible for damages or injuries to others. This protection extends to household relatives, so if your child accidentally damages your neighbor's property, you may be covered. Personal liability coverage is a standard part of your homeowners insurance policy and is also included in renters and condo insurance policies.
What is landlord insurance?
If you're a landlord or insuring any property that isn't your primary residence, a Dwelling Fire policy may protect you from financial loss if you have rental properties or tenants. Whether you make a living renting multiple properties or you're an "accidental landlord," renting the home you just moved out of and can't sell, a Dwelling Fire policy is important insurance for landlords to carry because standard homeowners policies don't usually cover homes being rented out.
Does home insurance cover fire?
Homeowners insurance may cover damage from fire to your home and belongings up to the limits of your policy and minus any deductible. Your policy’s dwelling coverage may pay to repair fire damage to your home’s structure or pay to replace it completely, and personal property coverage can cover your belongings lost in a fire. Loss of use coverage, under your policy, may pay for temporary housing, meals, and other services while your home is being repaired or rebuilt.
What is dwelling coverage?
Dwelling coverage (often called Coverage A on a homeowners or condo insurance policy) is one part of your home insurance policy that covers your house, including an attached garage, countertops, flooring, and built-in appliances. If your home is damaged by a covered peril, your policy’s dwelling coverage may pay to repair, rebuild, or replace your home’s physical structure. Dwelling coverage is included in every homeowners or condo policy. Because your home is typically your most important asset, dwelling coverage is an essential aspect of home insurance.
What is Other Structures coverage?
Coverage B, also known as other structures insurance coverage, is the part of your homeowners policy that protects structures on your property not physically connected to your home, such as a detached garage, storage shed, or gazebo. Your other structures coverage limit is typically set at 10% of your policy's dwelling coverage, but this can vary by insurer.
What is Renters insurance?
Renters looking to protect their stuff can rely on affordable renters insurance from Progressive, but coverage goes beyond your personal belongings. Renters insurance is designed to cover unexpected events, including theft of your personal property and injuries that you are liable for. A renters insurance policy may also pay for medical expenses due to a covered occurrence, or increased living expenses if your home is unlivable while it's being repaired or rebuilt due to a covered loss.
Life Insurance
Types of Life Insurance
There are many types of life insurances. However, below are the most common.
- Term Policy
- Whole Life
- Universal Life Insurance
- Final Expense
- Variable Life Insurance
- Simplified Issue
- Guranteed Issue
What does life insurance cover?
here are many answers to the question of why is life insurance important. But by and large, the most important one is ensuring your family’s financial security and peace of mind.
If anyone depends on your income, they would most likely struggle if you were to pass away. That’s why life insurance is so important to have. There are different types of life insurance policies, but essentially they all pay cash to your loved ones when you die. Money from life insurance can be used to cover daily living expenses, a mortgage or rent payments, outstanding loans, college tuition and other essential expenses. Life insurance is the best way to ensure that your loved ones would be in a good financial place if you and your income were no longer in the picture.
Can I use life insurance benefits while alive?
Usually, life insurance pays money to your loved ones after you're gone. But, as mentioned above, some types, like whole life insurance, have a savings part called cash value. It can even go toward paying your life insurance premium, depending on your policy. Additionally, if you decide to cancel your life policy, you may have access to the cash savings – minus taxes or loans you still owe.
Life Insurance Beneficiary?
A life insurance beneficiary is the person, people, trust, charity or estate who gets the payout on your life insurance policy after you die.
You’ll typically be asked to pick two kinds of beneficiaries: a primary and a secondary. The secondary beneficiary, also called a contingent beneficiary, receives the payout if the primary beneficiary is deceased. You can name more than one beneficiary, as well as the percentage of the payout you want to go to each one—for instance, you could designate 50% to a spouse and 50% to an adult child.
There are special considerations when it comes to providing for minors as well as naming a charity or your estate as a life insurance beneficiary.
What is Living Benefits
Living benefits of a life insurance policy let you access your life insurance proceeds before you die. This is typically reserved for situations in which someone faces a terminal illness or injury. Many people use cash from living benefits to get their family’s finances in order or to take a special trip.
Living benefits, which are also known as accelerated death benefits, are typically available as a rider (or endorsement) to your life insurance policy.
México Insurance
Traveling to México and are in need of auto coverage and trip coverage. We got you cover.