Image by Scott Graham

COMMERICAL

INSURANCE

Commercial Insurance includes but is not limited to:

  • Workman’s Compensation - Provides benefits to employees for work related injuries or illness

  • Bonds - all types are available

  • Risk Management & Loss Control – ways to benefit the client of financial risks and preventing claims

  • General Liability – covers the business owner from risk of loss due to damage or injury

  • Commercial Umbrella – liability insurance that is in excess of other policies

  • Commercial Auto – coverage for vehicles that are used in your business and not covered under your personal auto policy

  • Commercial Property – covers property and equipment used in your business

  • Builders Risk – covers and protects materials, equipment, etc. in course of construction

  • Cyber Liability – coverage for internet-based risks – typically excluded from other liability policies

  • Executive Lability – coverage for management related exposures

  • Professional – specialty coverage – helps protect for professional services, such as advice etc

  • Pollution Liability – specialty Coverage – covers costs related to restoration and cleanup.

 
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WORKERS

COMPENSATION

We offer multiple worker compensation carriers from Local state funds to national carriers. We can help find the correct carrier that meets your unique needs.
 
Workers Compensation payment options-

  • Monthly Installments

  • Pay-As-You-Go

              
Local Carriers and State funds
We offer several local state funds with specific industries in mind. These local funds offer restaurant and construction industry competitive rates with unique options to help control their losses and experience modifiers.  Ask us if you qualify for one of these programs.
 
National Carriers
We offer several national carriers that can help handle your business if you’re local and want to expand to other states. Also, if you are based out of state we can help manage your workers compensation thru out the US and incidental international exposure. Claims Reporting and Handling: We help report all Workers Compensation Claims and help personally complete the yearly workers compensation audits.

 
Image by Alex Suprun

BONDS

For more information,

please contact Judy

Types of bonds written include, but are not limited to:
 

Commercial Surety

  • Types of Commercial performance bonds, including supply, supply & install and annual performance bonds

  • Miscellaneous bonds, including self-insured worker’s compensation bonds

  • Court bonds, including large appeal bonds

 

Contract Surety

  • Contractor Bid bonds

  • Performance bonds

  • Labor and material payment bonds

  • Supply bonds

  • Customs bonds, including both importer and drawback bond

Miscellaneous Bonds

  • License and permit bonds

  • Municipal license & permit bonds

  • State license & permit bonds

  • Probate bonds

  • Fidelity bonds

  • Public official bonds

  • Notary bonds and notary errors & omissions insurance

  • Employee dishonesty bonds

  • Janitorial service bonds

  • Bid/Performance/Payment Bonds for Small Contractors (First Step/Next Step Programs)

  • Other miscellaneous bonds

 
Image by Blake Wheeler

PERSONAL

INSURANCE

Car Insurance: The insurance protection you need when you’re on the move.

  • Auto Insurance – Get the right insurance coverage for your car, truck, van or other vehicles.

  • Classic/Antique Car Insurance – Your classic car is an icon. Insure it well.

 

Recreational Insurance:

  • Motorcycle Insurance – Ride safe and insure your motorcycle.

  • ATV and Motorsport Insurance – Insurance policies that cover all your toys.

  • RV and Mobile Home Insurance – Home insurance for your home-on-the-road.

  • Boat and Watercraft Insurance – Insurance coverage for the captain of the ship.

 

Home Insurance: Homeowner’s coverage doesn’t have to be difficult to understand. A basic Tomorrow Homeowners Insurance Policy will cover the following:

  • Homeowners- Get the best protection for the best rate.  

  • Landlord Coverage- Rent your investment home with confidence you are properly covered.

  • Builders Risk- Covering your home while it is being built .

  • Flood Policies- Enjoy River Views, while being protected against water overflow damage to your home.

  • Umbrella Policies (Excess Liability)- Protect your hard-earned assets/money against a lawsuit.

  • Valuable Articles/Floater policies - Broaden your coverage for valuable items.