Home Insurance
While a standard homeowners policy helps protect your house, it typically helps cover more than just the physical structure of your home. From your personal belongings to the shed in your backyard, or even medical bills if a guest is injured on your property.
Auto Insurance
To drive legally in Michigan, state law requires the purchase of no-fault automobile insurance. If you or your family are injured in an auto accident, your auto insurance will pay all reasonably necessary expenses with no maximum limit, as well as wage loss benefits and replacement service benefits. In a serious accident, injuries can amount to hundreds of thousands of dollars in cost to you. The financial security that results from being insured is one of the most important reasons to purchase insurance.
Business Insurance
The four main types of commercial insurance are liability insurance, property insurance, commercial auto, and workers’ compensation insurance. Liability insurance protects you from damages that your company inflicts on any third parties. It covers the cost of personal injury or property damage lawsuits and injuries customers incur at your place of business. Property insurance covers damages to property within your place of business, such as fire or flood damage. Workers’ compensation insurance protects you in case employees are injured on the job. It also prevents employees from filing negligence lawsuits against you for any injuries they sustain during work. There are additional, specialized forms of coverage under each of these broad categories that can protect you from business-specific liability.
Life Insurance
Our Agency in partnership with Auto-Owner Life Insurance Company offers several Life, Health, and Annuity coverage options to meet your needs. We carry term and permanent life insurance also available as Simplified Issue products for clients looking for a policy with limited medical questions. Disability Income product offer flexibility in coverage amounts and benefit periods to keep the premium competitive while offering the protection they need. We also offer Deferred and Immediate Annuities that provide a Safe. Sound. Secure. ® contract option.