Contract surety bonds are mainly of three types – bid bonds, performance bonds and payment bonds. These are required by law in order to protect both the government and its citizens.

If you are concerned about being able to salvage your home and all of your personal belongings after a loss, it's vital you have replacement cost insurance. We can help to determine the proper amount of insurance for your home.

If you regularly carry expensive items in your car such as a laptop or a GPS device, then these probably won't be covered by your basic policy. You may want to add a rider to cover these in case they're damaged in an accident.

In addition to lower rates for vehicles with good safety ratings, insurance companies also give discounts for cars considered “low profile.” That means cars that are less likely to be stolen.

Even if your business is incorporated, liability insurance is always recommended. Although incorporation makes your company a separate legal entity, in a lawsuit, the opposing counsel could find ways to strip away the corporate shield and make you personally liable.

When having repairs performed on your home, insist that the company you select has Worker's Compensation and Liability insurance. Also, check your insurance to see what your liability limits are in the event of a dispute.

Whether you’re a young adult just starting out or a mature one working on an advanced degree, many insurance providers offer valuable discounts on auto insurance if you consistently receive good grades.

Reducing your liability insurance may save you money in the short term, but it can cost you a lot of money if you have a serious accident. Full-coverage insurance is your best bet.

How are business insurance premiums calculated? Factors considered when calculating premiums include size and location of your business, how long you've been in business, how much coverage you need, type of work you do, and previous claims.

We understand that not every homeowner will be best suited by the standard homeowners insurance policy. To ensure your needs are met, it’s best to have a discussion about exactly how you use your home and what needs to be covered.

The first person to combine the words “auto” and “mobile” to describe a four-wheeled powered vehicle was Italian painter and engineer Martini. It seems fair to say that without the ingenious Italians, we wouldn’t have “automobiles.”

When signing your insurance papers always use a ballpoint pen that has blue ink. Why? First, ballpoint ink won’t wash off. Second, you’ll be able to tell the original contract from a copy (the copy’s signature will be black, not blue).

What is fidelity insurance? If you rely on partners, officers, or even independent contractors with vital company information, there is always the risk of theft or embezzlement. Fidelity insurance offers protection against losses based on insider’s actions.

If damage to your home makes it unlivable while repairs are being made, your homeowners policy will arrange for time at a hotel or rental home.

“[T]he average male driver is a greater risk on the road, per mile driven, than any other driver, from the moment he gets his license until the day he turns 30.” (The Car Crash Detective)

Will you be taking your car into Canada or Mexico or to some other country? Sit down with your insurance agent to make sure you’re covered when driving on foreign soil.

Becoming a Notary Public can allow you to provide a valuable service to your clients that can expedite certain transactions. If you’re ready to explore this option, we’re happy to help with the required bonding.

There are limits on personal liability for most homeowner’s insurance policies. If the combined total of your salary, the equity in your home, your valuables, and your investments exceeds that amount, an umbrellas policy can supplement the policy limits.

If you find a lower insurance rate from a different company, and you don’t want to leave your current one, talk to them and ask if they would be willing to meet the new rate. Many will if it means keeping a loyal customer.

While every driver is supposed to be insured, that doesn't mean they are or that they have sufficient coverage. We can add uninsured/underinsured coverage to your policy.