What We Cover
Comprehensive breakdowns of personal, commercial, and specialty insurance lines. Educating you on policy mechanics so you choose the right protection with confidence.
What Do Auto Insurance Policies Cover?
When most people think about auto insurance, they think about damage to their car. The truth is, auto insurance covers much more than just your car. The chances of being involved in a car accident are plentiful and it’s important you understand what your coverage options are.
Depending on the policy you choose, your coverages will vary. Here are some of the most essential coverage components:
Collision Insurance
Helps cover repair or replacement costs to your vehicle if you are involved in a collision with another car, guardrail, or object—regardless of fault.
Liability Insurance
If you are at fault in an accident, liability protects your personal assets by covering:
• Property Damage Liability: Damage caused to other vehicles or property.
• Bodily Injury Liability: Medical bills, lost income, and legal settlements for injured parties.
Medical Payments (MedPay)
Helps pay for immediate medical treatment and ambulance bills for you and your passengers if you are injured in a wreck, regardless of who caused it.
Uninsured / Underinsured Motorist (UM/UIM)
Covers your medical and physical damages if you are struck by a driver who carries zero insurance or insufficient liability limits to pay for your losses.
Comprehensive Insurance
Reimburses damage unrelated to a road collision, such as auto theft, vandalism, storm damage, hail, falling trees, fire, and animal strikes.
Custom Endorsements & Riders
Tailored enhancements including 24/7 roadside assistance, rental car reimbursement, original equipment manufacturer (OEM) parts, and gap insurance.
Get Covered Today
Our team is committed to helping you find a policy to fit your specific driving habits and family needs. Reach out to us today to start the conversation or get a comparative quote.
Homeowners Insurance
What Is Homeowners Insurance?
Your home is a valuable asset and safe haven for your family. Home insurance is a package policy, which means that it covers damage to your property after a covered loss and your liability or legal responsibility for any injuries and property damage you or members of your family cause to other people.
There are usually additional coverages or endorsements, also called riders, that you can add to the standard coverages provided by home insurance to ensure adequate protection (e.g. water backup, service line protection, scheduled jewelry).
Do I Need Homeowners Insurance?
While purchasing a home insurance policy may not be mandated by federal, state, or local government, your mortgage lender will require proof of adequate hazard coverage before approving financing.
Carrying appropriate coverage is always essential as the policy financially shields you if you experience a covered fire, severe storm, or liability lawsuit. Without home insurance, you may be left to cover massive rebuild costs completely out of pocket.
Evaluate Your Home's Coverage Today
If you need a new homeowners insurance policy or want to evaluate whether your existing coverage limits match today's construction inflation, we’re here to help.
Life Insurance Solutions
Life insurance is not only the cornerstone of a solid financial plan, but it is hands down one of the most cost-effective ways to protect the people who depend on you financially. If you have a child, are married, or carry any kind of debt, purchasing life insurance is a no-brainer.
Term Life Insurance
Pure death benefit protection for a specified window (e.g. 10, 20, or 30 years). The most budget-friendly way to secure maximum income replacement during peak earning and child-rearing years.
Whole Life Insurance
Permanent lifetime protection with guaranteed level premiums and a guaranteed cash value accumulation component that grows on a tax-deferred basis.
Universal Life Insurance
Flexible permanent coverage allowing you to adjust premium payments and death benefit amounts over time as financial objectives and estate plans evolve.
Why Do You Need Life Insurance?
While life insurance isn’t mandatory by law, it plays a critical role in safeguarding your family's future. It provides a tax-free lump sum death benefit that can be used to:
- Pay off mortgages, auto loans, and outstanding consumer debts.
- Replace household income for dependent spouses and young children.
- Fund college tuition and vocational education funds.
- Cover final medical costs, funeral, and estate administration expenses.
- Leave a meaningful generational legacy for loved ones or favored charities.
Commercial Insurance Coverages
Commercial insurance is a symbol of your commitment to your business and shows that you take the needs of your employees and customers seriously. It mitigates the operational risks and uncertainties that come with running an enterprise.
Third-Party Property Damage
Reimburses repair or replacement costs if your business operations, equipment, or workforce accidentally cause damage to someone else's real or personal property.
Third-Party Bodily Injury
Covers immediate medical treatment, surgical expenses, and hospital fees if a patron, vendor, or visitor is injured on your business premises or jobsite.
Personal & Advertising Injury
Provides defense and indemnity coverage if your company is sued for claims of slander, libel, disparagement, copyright infringement, or false advertising.
Legal Defense Fees & Judgments
Commercial lawsuits can incur catastrophic legal bills. Your policy covers assigned defense attorneys, court fees, expert witness costs, and binding awards.
Importance of Commercial Insurance
Certain municipal business licenses mandate general liability or workers' compensation, and commercial landlords routinely require proof of coverage before executing leases. Protect your balance sheet from unexpected litigation.
Specialty Products Insurance
Insuring your motorcycle, RV, collector car, and boat is not just about covering costs for repair or replacement. With a specialty product policy, you can ensure that, no matter what happens, you can continue to pursue your passions, explore the world, and create lasting memories.
Boats & Watercraft
From center consoles to yachts, covers marine collisions, hull damage, storm/hurricane losses, vandalism, on-water towing, and mechanical assistance on the Delaware Bay and beyond.
Motorcycles
Cruiser, sport bike, or touring motorcycle protection covering bodily injury liability, collision repair, gear & helmet replacement, and custom chrome/aftermarket accessories.
RVs & Motorhomes
Complete cross-country protection covering the motorized/towed chassis as well as personal belongings stored inside, emergency expense allowances, and vacation interruption.
Special Events Insurance
Additional liability coverage can be helpful when you host one-time or recurring events. We offer Special Event insurance for weddings, corporate galas, fundraisers, concerts, and private milestone celebrations.
General Liability Protection
Defends event organizers against third-party bodily injury lawsuits, guest alcohol liabilities, and vendor slips occurring on premises.
Cancellation & Postponement
Reimburses non-refundable deposits and vendor fees if extreme weather, sudden natural disasters, or venue closures force rescheduling.
Rented Venue Damage
Provides financial indemnification for accidental physical damages inflicted upon leased historical sites, banquet halls, or private estates.
