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Insurance

Protecting the things and people that matter most to you can give you peace of mind. With that goal in mind, we will review your current or future insurance coverage needs, and provide you with suggestions to suit your individual or business insurance needs. Below are general descriptions of some of the insurance policies available. Please contact us so we can review your specific insurance needs.

Auto | Homeowner’s | Watercraft | Other Personal Lines | Business | Life & Health |
Master Condo Insurance


Auto

Contact Erica

CT Auto InsuranceFor some people, a car expresses the essence of their being. To others, it’s an object to get from point A to point B. We offer a variety of insurance coverages and insurance companies to choose from, based on your specific insurance needs.

Depending on the insurance company you choose for auto insurance, you can get discounts for:

 

  • Being a Good Driver
  • Being a Good Student
  • Driving a Safe Car
  • Having a Homeowner’s Policy with your auto insurance carrier

Other advantages you could enjoy:

  • Free Windshield Repair
  • 24-Hour Claims Hotline
  • Guarantee on Repairs
  • Flexible Payment Options

Advantages vary from insurance company to insurance company, and some require the purchase of certain insurance coverages. We’ll review your auto insurance options with you to find the insurance company and insurance coverage that are right for you.

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Homeowner’s

Contact Erica

CT Home Insurance Your home is probably your most valuable asset, both as an investment and as your sanctuary in a hectic world. When your home is damaged or destroyed, you need your insurance claim settled by an insurance company that understands this simple fact. Insurance coverage availability and prices may vary by insurance company. We can help you determine which of several insurance companies we represent will best meet your insurance needs and provide the most valuable combination of tailored coverage, quality service and fair pricing.

Depending on the insurance company you choose, you can get discounts for:

  • Having a burglar alarm
  • Having a newer home
  • Being claim free in the past
  • Insuring your vehicles with the same insurance company

Other advantages you could enjoy include:

  • Repair Guarantees
  • 24-Hour Claims Hotline
  • Flexible billing – including coordinating with your mortgage company
  • Living expense if your home becomes uninhabitable due to a claim
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Watercraft

Contact Kevin

CT Boat Watercraft Insurance Being on the water should be fun. Whether you own a personal watercraft or a 40-foot cruiser—knowing that you’re properly insured should give you the peace of mind to relax and enjoy every nautical mile.

We can provide comprehensive coverage through The Travelers, Middleoak, Progressive and Foremost – in addition to specialty markets if needed.

You may qualify for some of these credits and discounts:

  • Account credits (if you have more than one policy insured with a company)
  • Diesel fuel credits
  • Safety equipment credits
  • Safety course credits for state boating, as well as Coast Guard and Power Squadron courses.

Talk to us for more information about how you can lower your premium.

Most policies include:

Physical Damage Coverage for your Watercraft, Motor, Equipment and Trailer
Coverage is provided for a wide range of hazards including theft, weather, fire and collision. We can provide coverage for you on an Agreed Value or Actual Cash Value basis.

Liability Coverage
Your financial and property assets are protected if the operation of your boat causes injury or property damage to others. We offer a wide variety of liability limits to meet your insurance needs.

Medical Payments
All friends and family you welcome aboard are covered. We offer coverage for water skiers and wake boarders as well.

Emergency Assistance Coverage
Our policies provide insurance coverage for towing and labor costs when your watercraft is disabled.

Protection That Travels With You
We offer generous navigational limits around the U.S. and Canada. We can also provide some limited extensions of insurance coverage for areas such as the Bahamas and Mexico.

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Other Personal Lines

CT Personal Insurance We can help with all your insurance needs. Some of the other types of insurance we write are Motorcycle, Motor Home or Recreational Vehicle, and Umbrella. Don’t see it on the list, no problem, we can still help, just give us a call and we will be sure to get you exactly what you need.

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Business

Contact Mallory

CT Business Insurance Whether your business is large or small, we have the products to meet your insurance needs. Every business and industry is unique; we identify ways to properly insure the unique hazards of your business. As business owners ourselves, we understand the special protection businesses need to prosper.

We offer:

Loss Control Programs
With our insurance company partners, we can evaluate your business’s current conditions and recommend ways to lower property, auto, workers’ compensation or liability losses. Lower losses will not only lower your insurance costs, but also increase your productivity by avoiding downtime.

Quick Claim Response
When you do have an insurance claim, you need fast, fair service. As independent agents, we work to make that happen. That’s why we only represent insurance companies with excellent records for settling insurance claims fairly and promptly.

Competitive Rates
Many of the insurance companies we represent specialize in insuring specific types of businesses or industries, offering special insurance coverage and pricing. To see if your business qualifies for one of these special programs, contact us for more information.

Some of the types of insurance we offer include:

  • General Liability
  • Workers Compensation
  • Business Auto
  • And More
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Life & Health

Contact Susan

CT Life & Health Insurance

Through our subsidiary, Pinnacle Life and Health Solutions, we can provide you or your business with the Life and Health insurance policies you need to complete your insurance protection package.

All of these insurance coverages can be purchased by business owners for the employees or by individuals.

 

  • Life Insurance – For a minimal cost, you can provide financial security for your family in the event of your death.
  • Disability – Did you know if you are under 65, that you are 60% more likely to be disabled than to die? Disability insurance will provide you with the ongoing income you need, regardless of the reason for disability.
  • Health – Let us help you navigate the complexities of the Affordable Care Act. We are certified with the Connecticut Exchange, and can help you or your company find the right products at the right price. Dental and Vision insurance coverage is also available.
  • Medicare – It doesn’t cover everything! There are insurance products to help fill those gaps.
  • Long Term Care – A common misconception is that Medicare will pay for your long term health care needs. This is not the case. Long Term Care Insurance (LTCI) can provide coverage for these very costly needs.
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Master Condo Insurance

CT Master Condo Insurance We specialize in providing master policies to condominium and homeowners associations. With over 10 companies to choose from, we will work to obtain you the best possible pricing and we will make coverage suggestions to best protect your property and liability. We make a point to do personal inspections of all properties and are always willing to attend Board of Director’s meetings to answer questions. We look forward to assisting you. Please click here to contact us for more information.

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