• Insurance protects your assets against attachment as a result of a court award.
• It provides for the cost of defense when you are sued.
• It allows you to purchase high value items such as a car or a home by insuring the collateral on behalf of the financial institution that lent you the money.
• It provides financial security for your family in the event of your death.
• It provides for the health care of you and your family through systematic payments.
• It allows you to save for retirement while deferring interest payments to a time when your income is lower, thus reducing your tax payments.
• It allows you to remain financially solvent when you're ill and can't work.

• Claims activity including such costs as medical care, auto body repair, construction, legal defense, jury awards, claims adjustment, and insurance fraud.
• Overhead including rent, utilities, employee salaries and benefits, office supplies, equipment, and furniture.
• Investment income.

One other exclusion that can be costly is the Ordinance or Law exclusion. Building codes established by governmental bodies that drive up the cost of rebuilding or repairing after a loss occurs might not be covered by your insurance policy. Thus, if you discover, when replacing damaged property, that current law demands higher grade or more expensive materials than those you're replacing, the new materials might not be covered fully.

Property insurance covers your structures and possessions. Personal Liability, as its name implies, means you're legally obligated to pay money to another person for actions caused by you, your family, or your property. That liability extends to medical payments to others for injuries caused by you or your family.

Also, many states and local jurisdictions require businesses to have insurance to begin operating. And if you rent space for your business, your landlord probably requires you to obtain adequate insurance.

Generally, BOPs provide more complete coverage at a lower price than separate policies for each type of insurance needed. We can help you decide which policy or policies are right for your business. You can also purchase additional coverage for perils or conditions otherwise excluded (e.g., flood protection) as endorsements to a standard policy or as a separate, second policy called a Difference in Conditions (DIC) policy.

We can advise you of the best policy (or policies) to protect you and your business.

At least one in 10 college students revealed that they had caused an auto accident in the last two years. One in four had a speeding ticket or other moving violation. These and other offenses contribute to higher auto insurance premiums for students.