Client Center

Welcome to our client center.  In todays world we believe you should have access to your insurance information.  We have developed our client center to assist you with your insurance needs.

Claims

See our detailed claims process, find your carrier's claims portals and contact numbers, and contact our agency for assistance.
Claims

Client Portal

Access your policy documentation, proof of insurance, monitory your payments, and request policy changes via our client portal. 
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Resources

View our insurance resources online to help answer any questions you may have about your insurance needs.

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Claims

​What do I do in the event of a claim?

Claims are no fun, but ultimately it is why we are here.  We want to be there for you in your time of need.  Please contact our agency and we will do everything we can to help you through the claims process.  You may also contact your carrier for immediate assistance or file a claim through their website.

If an Emergency Call 911

If anyone is hurt or emergency services are needed please call 911 first.  The safety of you and your loved ones comes first.  

Contact Us

(860)615-9980

We want to help!  We are here to make sure you are ok and walk you through the claims process with the carrier.

Contact Your Carrier

Our Carriers

In the event we are not available and you need immediate assistance you can find our carriers claim departments by clicking here.  We will be in touch soon to make sure you are ok, and help finalize the process.

​Resources

Are you prepared if disaster hits?

Learn more about common disasters and the steps you can take to prepare for them. 

Click here to learn more!

What are the basic auto coverages?

Auto Insurance

Auto insurance is a complicated matter. Many people have an insurance policy but do not exactly understand how they are covered or what they will do if they find themselves in the position of needing to utilize their insurance. Discover the basic types of car insurance and find out how to obtain the coverage you need for your particular situation.

Collision Coverage – This is the basic insurance type that covers your vehicle if you collide, or run into, something. This covers collisions with other cars as well as if you were to run into a wall, barrier or bridge.

Comprehensive Coverage – This covers anything that may happen to your car that is not directly related a collision. This would include things such as theft, fire, hitting a deer or vandalism.

Liability Coverage – This type of coverage covers the damages when you are at fault in an accident and you damage someone else’s car or property. Liability coverage is often mandated by law, so it is important that you as the driver make certain you have an adequate amount.

Medical Payments – This is also called PIP in some states. Medical payments pay for any injuries to the driver or passengers that occur if an accident occurred while you were driving. Medical payment insurance varies from state to state, so make certain you are covered as expected.

Now that you understand a bit more about the different types of auto insurance available, you are probably ready to find the right coverage for you. The best way to do this is to work with an independent agency that will allow you to compare insurance quotes online. By doing this, you can rest assured you are getting the best deal as well as getting the personal attention you need.

What are the different types of homeowners policies?

Homeowners/Renters/Condo Insurance

A homeowners policy is for people who own their own home. This may be either a house or a condominium: Essentially, if you are making payments on the home with ownership as the end goal you will need homeowners insurance. This type of policy will cover both the outside of the home and all the contents of your home. It will cover the majority of natural disasters (certain disasters like earthquakes may be excluded but you may add extra coverage for that specific purpose) and will allow you to replace or rebuild damaged property. If your home is broken into by a thief and items are stolen your insurance will help replace stolen items and pay for any damage in terms of vandalism that the thief did.

With a renter's policy, the coverage includes the inner contents of the home, apartment, or room that you are renting. This is coverage for the break-ins, the natural disasters, fires, and other circumstances that are beyond your control. Even though your landlord will have a homeowners policy on the place you are living, it does not cover your own personal items as a renter, which is why renters insurance is essential.

You may be very surprised to see the range of prices you'll get in home insurance quotes. You can sometimes save hundreds of dollars, or even more, simply by choosing one company over another. However, it is important that you get quotes only from reliable top carriers. Your local independent agent is the best resource for this since they can accumulate multiple quotes from the top carriers for you online. Your independent agency will give you the power to compare all the best policy options conveniently at home!

What business insurance products are available to me?

Commercial Insurance

Business owners should carefully consider their commercial insurance needs, which offer a range of vital protection related to the business. From vehicles to property and the employees within the business, owners can safeguard their investment and lessen the risk of a scenario affecting its growth and presence. The following areas represent some of the primary commercial insurance needs that any business should approach.

Commercial Auto Insurance

A vehicle that is used within the context of business must have its own policy; a personal car insurance policy is not enough, as it won’t cover items that relate to business. If your business uses vehicles to perform routine or even occasional operations, a commercial auto policy is a must.

Commercial General Liability Insurance (CGL)

Bodily injury, property damage, personal injury, and advertising injury are covered with a CGL policy. A convenient catch-all type of policy, many businesses can use it as a starting point for their insurance needs – in terms of liability.

Commercial Property Insurance

A commercial property insurance policy could be thought of as a commercial version of a homeowners policy. You will find similar covered items, such as fire, theft, and natural disasters that pertain to the business property. If your business has some type of physical location, it would require a property insurance policy.

Workers Compensation

Workers that are hurt on the job can rely on workers compensation for lost income and medical expenses. This coverage is commonly required by employers, and it often extends to temporary employees as well.

Business Owner Package (BOP)

Small business owners can take care of many needs in a BOP policy – it often includes vehicle, property damage, business income, property, and bodily injury, as well as other types of basic insurance needs.

Business owners can compare quotes online using an independent agency. This is a valuable option that can save time and money, where owners can receive quotes from several top-tier insurance at once.

What type of Life Insurance products are there?

Life Insurance

Purchasing life insurance is one of the most important financial moves you can make. The coverage from this type of policy protects your family from financially worrisome situations if you are not there to provide for their needs. When you work with an independent agent, you can get the protection your family needs for less.

What Type of Policy Is Right for You?

One of the most important decisions you need to make is what type of insurance is right for your situation. The biggest factor to consider is time.

  • With whole life insurance, the individual is covered for their entire lifetime. This type of policy allows you to borrow from it over your life, too. It can even be a part of your estate plan.
  • Term life insurance is in place for a set amount of time. This type of policy is less expensive, but provides your family with financial protection when it is most at risk, such as when you have a mortgage to pay and dependents relying on your income.

There are other options to take into consideration. Child life insurance policies provide financial aid to cover medical costs for the death of a child. Other options include accident death, critical illness, long-term care policies, final expense coverage, and disability insurance. Any can be a good investment for you.

Finding the Right Policy

To ensure you get the right type of policy as well as the most affordable option, discuss your needs with an independent agent. You can get a comparative quote for policies available to you right away. You are not getting a quote from just one insurance provider, though. Rather, you'll receive a quote from numerous local providers through your agent so you can compare your options. That way, you get the best policy for your needs and your budget.

Have any questions?

Feel Free to Connect With Us

We are here to help.  We want to answer any questions that you have and educate you on the insurance products available to you so you ultimately make the best decision on coverage for you and your family.

Would you like an insurance review? Feel free to book an appointment!

Call us : (860) 615-9980 or fill out our online booking & enquiry form and we’ll contact you

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