PERSONAL Insurance
High-Value Home Insurance
You’ve worked hard and built up a sizeable net worth. You’ve got hard assets to protect like your homes, automobiles, and recreational vehicles. Maybe you’re a collector of art, or jewelry, or wine. Your insurance needs are unique, and we understand that. Not all insurance policies are the same! We can share with you how policy contracts are different and have a variety of interesting claims stories which highlight contract distinctions. We’d love to chat with you about it.
Personal Umbrella or Excess Liability Insurance
You have assets to protect and sometimes the liability limits on your auto, home, recreational vehicle, or boat insurance just aren’t enough to properly protect you. One of the best kept secrets and most economical insurance is a personal umbrella. We offer limits from an additional $1,000,000 to $50,000,000. How much coverage do you need? This is a great conversation and one we’d like to explore with you.
Flood, Earthquake, and Mudslide Insurance
Be sure and ask us about these coverages! We’ve experienced all of these types of losses in our area and unless you specifically purchase this coverage, you aren’t covered! It can be a BIG deal after a loss. How is your property unique? Is your home built at the top of a slope or below one? Are you in a flood zone? We are definitely in earthquake territory. Let’s talk about it!
RVs, Campers, and Trailers Insurance
Recreational vehicles areas varied as the individuals who own them! Whether you live in, camp in, or use your trailer to haul horses, we can help create the right insurance coverage for your needs. We’d love to hear about the places you’ve been and the unique features of your recreational vehicle!
Yachts, Boats, & Personal Watercraft Insurance
In the Pacific Northwest we love to spend time on the Puget Sound or one of the many beautiful lakes our region has to offer. Whether you prefer cruising on your yacht, fishing or waterskiing from your boat, or playing hard on your personal watercraft, you have stories to tell….and so do we. We’d love to help you create insurance solutions that work best for your unique situation and one that offers the right protection for you.
Renters Insurance
If you don’t own a home and are renting instead, there are good reasons to purchase a renters insurance policy even if you don’t think your belongings are worth much. We’d love to speak with you about how cost-effective renters insurance can be and how the added personal liability coverage can really protect you, your assets, and future earnings.
Landlord Insurance
Do you own residential property that you rent to others? This would include single family homes, multi family housing, and vacation rentals. You’ve got a lot more at risk when someone else is living or staying on your properties. We’d love to discuss your unique situation and help find good insurance solutions for those risks.
Condominium Insurance
Much like a residential home, your personal condominium is a large investment and one that you want to properly insure. Condo insurance is different than homeowner’s insurance in that the building itself is generally insured on a master building policy which covers the condo association buildings. Typically, a personal condo policy will cover the interior building features, finish work, and of course, your belongings.
Homeowners Insurance
If you’re like most families, your personal home is your largest investment and one you want to protect! That’s why it’s so important to customize your homeowner’s insurance plan to meet your specific needs. Not all homeowner’s insurance policies are created equal, but we can help you navigate through their differences.
Auto Insurance
Owning and driving a vehicle represents many things to many people – freedom and independence, functionality, personal expression, and risk. That’s why it’s important to understand all your auto insurance coverage options. We are skilled at explaining each coverage in simple terms, with real claims examples. When you are empowered in the driver’s seat, you can feel confident about your auto insurance purchasing decisions with coverage that protects you, your lifestyle, and budget.
COMMERCIAL Insurance
Professional Liability
Also known as Errors & Omissions insurance, Professional Liability insurance coverage protects you andyour business from claims arising out of your professional expertise, knowledge, and advise. These claims allege a financial loss to a 3rd party and are different from bodily injury or property damage claims that would be covered by a commercial general liability policy. We’re happy to hear more about your profession and how we might best address your concerns.
Directors and Officers Liability Insurance
Directors & Officers Liability Insurance is a beneficial coverage for both private companies and nonprofit organizations. Similar to Errors & Omissions liability insurance, D&O liability protects directors & officers from lawsuits filed by shareholders, regulators, state investigators, or other 3rd parties where the injured party is seeking damages for a financial loss. If you serve on a board this is important coverage for you.
Employment Practices Liability Insurance
Every business, no matter how large or small, needs Employment Practices Liability coverage. This coverage protects your company from allegations and claims brought from your current or former employees. Examples of these claims are wrongful hiring practices, wrongful termination, discrimination of any protected class (age,race, gender, sexual orientation, etc) and claims of sexual harassment. Think a claim like this can’t happen to your business? We’d love to share some reallife claims examples with you.
Non Profit Organization Insurance
Are you serving on a non profit board? The work that your organization does is critical to the health of our community, and protecting your outreach is important to us. Every nonprofit organization is different. We can help you identify your insurance needs and create a package that meets your organization’s need and budget. We’d love to hear about the good work you are doing in our community!
Cyber Liability Insurance
We’re in a new era of claims arising out of our dependency on the internet and digital communication. This is an important and often overlooked coverage which affects small and large businesses. Cyber Liability coverage can cover you for 1st party costs such as the costs to determine which customers are affected, costs to notify the customer, and costs to monitor their credit. It also covers 3rd party losses like costs to another business if you inadvertently send a virus which shuts down their system, or the use of personal information at the expense of your customers. Let’s have a conversation about this important coverage and how your business might be at risk.
Commercial Auto Insurance
Commercial auto insurance has been a hot topic in recent years. Due to the cost of increased repairs, distracted driving, and shortage of good commercial drivers the insurance industry has seen an increase in claims and their costs. The good news is that we work with multiple companies and can help you find a cost-effective solution that meets your coverage needs. We’re happy to listen to your concerns and share some of our risk management knowledge to help you communicate with your drivers and keep them safe.
Business Insurance
You’ve taken a risk, followed a dream, and created your own business success. Your commercial insurance protection should be tailored to meet your unique needs. We would love to meet with you in person, over the phone, or digitally to learn all about the subtilties of your business. Over the years, we’ve been able to provide appropriate coverage for our clients that not only protects them and their business but fits the needs of their budgets. We’d love to hear your story!