Absolutely, businesses of all sizes need insurance. Whether you are working from home and are the only employee or you have a company with thousands of employees you should have insurance.  Nobody is ever 100% insulated from being sued, burglarized, or just having a bad day. Now-a-days, with the ever increasing hacking of businesses for sensitive information. All businesses should consider having cyber liability protection to protect your business from litigation resulting from a hacking incident. We have access to some of the best insurance carriers and insurance products to ensure you are protected from a bad day.

Pets are the number one reason for claims on homeowner liability insurance. This is due to the unpredictable nature of pets. According to ASPCA dogs bites average to about 4.7 million bites each year. Having a pet is a solid reason to increase your liability insurance on your home as high as you can. It would also be a good idea to have a personal umbrella policy to provide additional coverage. Another big culprit of liability claims on homeowner policies are known as attractive nuisances. What is an attractive nuisance? An attractive nuisance is a hazardous object/condition on your property that is likely to attract children who are unable to appreciate the risk posed by the hazardous object/condition. An example of an attractive nuisance are Pools and Trampolines. Liability insurance purpose is to cover you in the event you are sued from an unintentional act.

There are several reasons to consider adding an umbrella. It change range from your occupation, carpooling, and lifestyle habits. The most common claim on umbrella policies result from automobile accidents. With medical costs today it does not take long for the bills and lost wages to rack up. Umbrella policies are key in protecting your assets from lawsuits.

Besides accidents, there are several occupations that have higher tendency to result in lawsuits, making it wise to add a personal umbrella policy. For example, Teachers, Nurses, STNAs, CNAs, Police Officers, EMTs, Fire Fighters, Volunteers, are just a few types of occupations that need umbrella policies. 

Do you hold a conceal carry license? If the answer is yes, the next thing you should do after reading this is ask for the highest umbrella policy you can. Although most individuals exercising their rights will never have to use their weapon, if you do the result can be financially stressful. Make sure you are protected in the event you do have to use your weapon.

Umbrella policies may provide extra protection for the following

International Coverage – For incidents that happen abroad

Vacation Rental Liability – For rented boats & jet skis

Defense Coverage – Legal defense when the primary auto or home carrier does not have a duty to defend

Personal Injury – For liability due to libel, slander, and/or defamation of character.

We are licensed in the following states:

1) Ohio – Auto Insurance, Homeowners Insurance, Renters Insurance, Landlord Insurance, Life Insurance, Business Insurance, Commercial Auto Insurance, Professional Liability Insurance, Umbrella Insurance, Pet Insurance, Classic Car Insurance, Technology Errors & Omissions Insurance, Cyber Liability Insurance, Motorcycle Insurance, RV Insurance, Boat Insurance, ATV Insurance, Directors & Officers Insurance, Management Liability Insurance, etc.

2) Michigan – Auto Insurance, Homeowners Insurance, Renters Insurance, Landlord Insurance, Life Insurance, Business Insurance, Commercial Auto Insurance, Professional Liability Insurance, Umbrella Insurance, Pet Insurance, Classic Car Insurance, Technology Errors & Omissions Insurance, Cyber Liability Insurance, Motorcycle Insurance, RV Insurance, Boat Insurance, ATV Insurance, Directors & Officers Insurance, Management Liability Insurance, etc.

3) California – Auto Insurance, Homeowners Insurance, Renters Insurance, Landlord Insurance, Life Insurance, Business Insurance, Commercial Auto Insurance, Professional Liability Insurance, Umbrella Insurance, Pet Insurance, Classic Car Insurance, Technology Errors & Omissions Insurance, Cyber Liability Insurance, Motorcycle Insurance, RV Insurance, Boat Insurance, ATV Insurance, Directors & Officers Insurance, Management Liability Insurance, etc.

4) Colorado – Life Insurance, Business Insurance, Commercial Auto Insurance, Professional Liability Insurance, Umbrella Insurance, Classic Car Insurance, Technology Errors & Omissions Insurance, Cyber Liability Insurance, Directors & Officers Insurance, Management Liability Insurance, etc.

5) Indiana – Life Insurance, Business Insurance, Commercial Auto Insurance, Professional Liability Insurance, Umbrella Insurance, Classic Car Insurance, Technology Errors & Omissions Insurance, Cyber Liability Insurance, Directors & Officers Insurance, Management Liability Insurance, etc.

6) West Virginia – Life Insurance, Business Insurance, Commercial Auto Insurance, Professional Liability Insurance, Umbrella Insurance, Classic Car Insurance, Technology Errors & Omissions Insurance, Cyber Liability Insurance, Directors & Officers Insurance, Management Liability Insurance, etc.

7) Georgia – Life Insurance, Business Insurance, Commercial Auto Insurance, Professional Liability Insurance, Umbrella Insurance, Classic Car Insurance, Technology Errors & Omissions Insurance, Cyber Liability Insurance, Directors & Officers Insurance, Management Liability Insurance, etc.

8) New Jersey – Life Insurance, Business Insurance, Commercial Auto Insurance, Professional Liability Insurance, Umbrella Insurance, Classic Car Insurance, Technology Errors & Omissions Insurance, Cyber Liability Insurance, Directors & Officers Insurance, Management Liability Insurance, etc.