General Liability GL
Offices, shops, and service businesses · Contractors who must give certificates to general contractors
Core protection if a third party alleges bodily injury or property damage arising from business operations.
Insurance
Property, casualty, and life insurance — quoted by one licensed team.
We quote the actual policy — not a category. Personal lines, commercial lines, and life insurance, named the way you search for them. Annuities live under Financial Services.
Most requested
Start with the policy you actually need.
Six products people ask for first. Every other personal and commercial line is listed below.
Business Owners Policy (BOP)
Small and midsize offices · Retail and light service businesses
A packaged approach that combines property and liability for many small and midsize businesses.
Workers’ Compensation WC
Any employer with W-2 staff, in states that require it · Contractors who must show certificates to get on site
Statutory coverage for employee workplace injuries and related employer obligations.
Commercial Auto / Fleet Fleet
Contractors and trades with work trucks or vans · Distributors and service companies
Protection for business vehicles and fleets used in daily operations.
Cyber Liability Cyber
Professional firms that keep client files · Retailers and offices that process payments
Protection related to data breaches, ransomware, and other cyber incidents.
Homeowners Insurance Homeowners
People who own the home they live in · Owners of a second or vacation home
Coverage for primary homes, secondary homes, seasonal homes, condos, and rental properties.
Personal lines
Homeowners, auto, renters, condo, umbrella, watercraft, flood.
Commercial lines
GL, property, commercial auto, WC, BOP, contractors, E&O, inland marine, umbrella, cyber, flood.
GLGeneral LiabilityPropertyCommercial Property / BuildingsFleetCommercial Auto / FleetWCWorkers’ CompensationBOPBusiness Owners Policy (BOP)+Artisan Contractors InsuranceE&OProfessional Liability (E&O)Inland MarineInland Marine / Heavy MachineryUmbrellaCommercial Umbrella / ExcessCyberCyber Liability+Flood Coverage (Commercial)
Life insurance
Term, whole life, UL, final expense, key-person, disability, LTC.
Life insurance is insurance. We quote term, return-of-premium term, whole life, universal life, guaranteed and indexed UL, final expense, and key-person coverage. Impaired-risk and larger premium cases are in appetite. You can also quote yourself online. For fixed, indexed, and income annuities, see Financial Services.
Term Life Insurance Term
Parents who need income replacement while children are young · Homeowners who want the mortgage paid if they die
A set death benefit for a set number of years — usually 10, 15, 20, or 30 — at a premium that is typically the lowest among life products.
Whole Life Insurance Whole Life
People who want coverage that does not expire at a term date · Families planning for estate liquidity or final expenses with a permanent policy
Permanent coverage with guaranteed premiums, a guaranteed death benefit, and cash value that grows on a schedule set in the contract.
Universal Life Insurance UL / IUL
People who want permanent coverage with more premium flexibility than whole life · Buyers who need a no-lapse guarantee to a stated age (GUL)
Flexible permanent life insurance — including guaranteed UL (GUL) and indexed UL (IUL) — with adjustable premiums and a cash-value account.
Final Expense Insurance Final Expense
People who want funeral and last-expense costs covered · Older applicants who want a modest permanent benefit
A smaller whole-life policy designed to pay funeral costs, medical bills, and other last expenses — often with simplified underwriting.
Business Life Insurance Key Person
Partners who have a buy-sell agreement, or need one funded · Companies that would stall if a rainmaker, operator, or founder died
Key-person coverage and buy-sell funding so a death does not leave the company, the bank, or the surviving owners without a plan.
Disability Insurance LTD
Professionals and owners whose income stops if they cannot work · Employees whose group LTD is too small, too short, or not portable
Short-term and long-term disability coverage that replaces a portion of income if you cannot work because of illness or injury.
Guides
Read this before you quote or apply.
Guide
Term life vs. whole life and universal life
A cheap 20-year death benefit, a policy that lasts a lifetime, or a flexible UL/IUL design. Which job you are actually hiring.
Read guideGuide
What to review before a homeowners insurance renewal
Rebuild cost, roof, water, deductibles, and the flood gap that a standard HO-3 never fills.
Read guideGuide
Fixed, indexed, and income annuities — which is which
MYGAs, fixed indexed annuities, SPIAs, and DIAs. What each contract actually does, and what it is not.
Read guideNext step
We’ll follow up within one business day.
Name, phone, email, and whether you need insurance, annuities, financing, or more than one. That is enough to start.