Insurance isn't one-size-fits-all. Every family, business, nonprofit organization, and individual has different goals, responsibilities, and risks.
The purpose of this page is to help you better understand the types of insurance available and why they matter. Whether you're protecting your home, business employees, or planning for the future, having a basic understanding of your options can make all the difference.
Below you'll find information about common types of coverage. Explore the topics that interest you, and if you have questions, don't hesitate to reach out. Sometimes a simple conversation can provide the clarity you're looking for.
Thank you for stopping by. I hope you'll explore the resources, visit The Creative Road, and find information that helps you better understand your insurance options.
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Commercial Property InsuranceBy designing your Commercial Property Insurance policy, you can rest assured that the building and personal property associated with your business is protected in the event of a minor accident or even a major financial loss.
Your Commercial Property Insurance policy might also include Builder's Risk insurance (protects materials and equipment from damage due to construction or remodeling mishaps) or a policy to cover Equipment Breakdown.
Commercial General LiabilityA Commercial General Liability policy will protect your business by preventing major financial losses if your business is sued or held legally responsible in the event of bodily injury or damage. By putting together the proper policy, you'll have most medical expenses, attorney fees, settlements, and reimbursements covered. Coverages include:
Other types of Commercial General Liability include Garagekeepers Liability and Employment Practices Liability. If you run an auto service operation, having Garagekeepers Liability coverage will protect your customers' vehicles from fire, theft, vandalism, or other damages while the vehicle is in your care. An Employment Practices Liability policy will protect your business if an employee's legal rights have been found to be violated.
Employment Practices Liability InsuranceWith proper insurance, your business can be protected if a worker claims his or her rights have been violated. This can include violations from sexual harassment and discrimination to violations of the Americans with Disabilities Act (ADA), mismanagement of employee benefit plans, and wrongful termination.
Liquor Liability InsuranceMost major events and entertainment venues that serve alcoholic beverages may be held responsible for the actions of intoxicated customers. A Liquor Liability Insurance policy will protect you if a patron is involved in an accident (or worse) in - or after leaving - your establishment.
Contact us to discuss your needs!
Workers CompensationHaving the right Workers Compensation plan in place will allow your business to ensure payments and cover expenses if an employee is injured from a work-related accident. Injuries can range from car accidents and back injuries to equipment malfunctions and, in some unfortunate cases, death.
Workers Compensation covers financial obligations such as:
If your business does not offer Workers Compensation, serious injuries that occur on the job could lead to an employee suing your company for damages. Contact me to determine your coverage needs.
Commercial Auto InsuranceYou cannot risk losing your hard-earned revenue as the result of an auto accident! You'll want to ensure that your vehicles, products and drivers are insured in the event of property or vehicle damage, bodily injury, legal costs, and more! A Commercial Auto Insurance policy could include:
Commercial Auto Insurance coverage needs vary, so it’s important to discuss your business’s options with specialists who can help you determine the proper amount of coverage for all your commercial needs.
Commercial Umbrella InsuranceMajor lawsuits are a result of accidents that occur either on or off location. The following are examples of situations where Commercial Umbrella coverage can protect your business:
Your needs will vary. Contact me to determine which coverages are necessary for your business.
Professional LiabilityWe recommend adding Professional Liability Insurance to your business portfolio because it protects the people and/or entities of your business from negligent claims made by third parties, or even internal sources.
From failure to render a service to malpractice suits, Professional Liability can provide a wide variety of options, such as:
Errors and Omissions Liability (E & O) – E & O covers any mistakes made by employees who work on behalf of your business, if your business charges fees for your services. It can include coverage for any errors such as failure to perform or violations of contract. Depending on your industry, your insurance needs will vary.
Directors and Officers Liability (D & O) - Having financial protection for your business’s Directors and Officers can prevent loss in the event that they are held liable from actions related to their corporate positions. This can include anything from conflicts of interest to mismanagement of company assets and violation of laws.
Fiduciary Liability - Fiduciary covers claims that involve the violation of the Employee Retirement Income Security Act, or ERISA. If a manager, for example, violates the financial obligations of ERISA, having the right coverage can protect your company if held liable in situations from imprudent investments to failure to enroll employees.
Employment Practices Liability - With proper insurance, your business can be protected if a worker claims that his or her rights have been violated. This can include violations from sexual harassment and discrimination to violations of the Americans with Disabilities Act (ADA), mismanagement of employee benefit plans, and wrongful termination.
Contact me today for more information!
Inland Marine InsuranceWith Inland Marine coverage, you can avoid damages sustained in the event of accidents, theft, vandalism, or total loss. We’re dedicated to providing the coverage your business needs and the asset protection it deserves. Inland Marine policies will insure that when your business is on the move, certain items will be protected, such as:
Let me know what your needs are and we can discuss it further!
Business Owner's Policy (BOP)A Business Owners Policy (BOP) allows you to create a customized insurance policy for your business that combines Property, Commercial General Liability, and Crime Insurance, as well as additional coverage types based on your needs.
A proper Business Owners Policy will keep you protected with such services as:
Personal Home and AutoUnderstanding your home and auto coverage is an important part of protecting what matters most.
Whether you're reviewing an existing policy or exploring new options, I help guide you through key considerations and available coverage solutions.
The goal is to ensure your protection aligns with your needs—today and as things change over time.
Recreational CoverageInsure your freedom for adventure with a recreational vehicle policy that covers everything from your boat and RV to your ATV, motorcycle or snowmobile.
Contact me to discuss your needs!
Personal Umbrella PolicyAn Umbrella Liability policy gives you extra protection when damages exceed the liability coverage of your standard policies. It also offers extra security for many situations that may not be included in your basic insurance.
Personal Umbrella insurance can be applied to events such as:
Contact me to discuss further!
Life InsuranceWith a proper Life Insurance policy, you'll have reassurance that your finances and beneficiaries are secure! Your life and financial insurance needs can change. It's important for you to discuss your life insurance options with a trusted professional!
Several Life Insurance options are:
Contact me to discuss further.
Landlord InsuranceSecure the value of your rental property with a policy that covers your building in the event of damage and keeps you safe from liabilities.
Contact me to discuss further!