The outdated captive-agent model limits your options. We don't.
As an independent broker, we work with dozens of carriers instead of one, so you get coverage built around your life, not a one-size-fits-all policy. Home, auto, business, and everything in between.
From a first condo to a high-value estate, we place coverage with carriers who specialize in your specific situation, including homes valued $1M–$8M, where standard carriers often fall short.
Homeowners & Dwelling
Standard and fire-specific policies for owner-occupied homes.
Condo, Townhome & Rental
Condo/townhome policies, plus landlord and tenant/renters coverage.
High-Value Homes
Specialty carriers for homes valued $1,000,000 – $8,000,000, a segment standard insurers rarely do well.
Seasonal & Mobile
Coverage built for seasonal dwelling, vacant properties, and mobile homes
Flood Insurance
Standard homeowners policies exclude flood – this FEMA-regulated coverage fills that gap, and may be required by your lender
Personal Articles
Extra protection for jewelry, firearms, and other valuables beyond standard policy limits.
Auto, Recreational & Marine
Coverage on the road, the water, and in the garage.
Why every client should consider an umbrella policy
An umbrella policy extends beyond the limits of your home and auto coverage. If a major lawsuit or claim exceeds your primary policy limits, umbrella coverage steps in, including continued legal representation, so you’re not paying out of pocket to keep defending a claim.
✓ Bodily Injury liability
✓ Property damage liability
✓ Personal liability (libel, slander, etc.)
✓ Legal representation & defense costs
✓ Rental property liability
✓ Millions in additional protection
Business Insurance
Insurance for your business, no matter what you do.
We coordinate with your legal and tax professionals so coverage integrates with the rest of your financial picture, including access to specialty markets for hard-to-place risks.
General Liability
Core protection against third-party bodily injury and property damage claims
Commercial Property
Coverage for your building, equipment, and business property.
Commercial Auto
Vehicles used for business operations, from a single company car to a fleet.
Workers' Compensation
Required coverage for employee injuries and related medical costs.
Cyber Liability
Protection against data breaches and cyber-related business losses.
Professional Liability
Errors & omissions coverage for the advice and services you provide.