We recommend asking your agent a series of questions to better understand what your insurance covers and does not cover. 

• Do I need a personal umbrella? What does it cover?  What limit should I have?
• I drive for a ride-share company. How am I covered?
• What is replacement cost coverage, and why is it important?
• What happens if I rent a car and go both domestically and abroad? What coverage would my insurance have? 
• My homeowners' deductible, what is it? How would it be waived? When did I most recently file a homeowners claim? 
• What would happen if my house was destroyed completely? Could I instead use the cash value of my policy?
• My house is old. Would my insurance pay to rebuild my house to current building codes, or would I be responsible for that cost?
• I have a wine collection; how is that covered?
• I just constructed an outdoor kitchen, is this automatically covered? If not, what do I need to do?
• Can I receive any credits for combining my home and auto insurance together? 
• What is flood insurance exactly? Or an earthquake occurrence? Does my insurance cover these incidents? If not, should I add coverage?
• I employ a housekeeper.  What if they had a work-related injury?
• Am I potentially liable for their lost wages and rehabilitation? What if I'm sued by my employee?
• What if I misplace my jewelry? 
• I serve on boards for both for-profit and not-for-profit organizations. Will a claim made against me be covered by my own insurance?
• How much would my automobile be worth if it were a total loss? How, if at all, would the deductible apply?
• I recently started a home business. Does my homeowner's insurance provide any coverage?
• When should I include my kids in my auto insurance policy? When should they be removed?
• What happens if a sewer or drain inside my house backs up? I believe I am protected, but am I?

Give us a call today; we would be happy to help you better understand your insurance coverage. 
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Strive Insurance Group, Inc. (formerly Gordon Lund Insurance Agency, Inc) is an independent insurance agency representing many insurance companies.  This means that we quote with many different insurance companies to obtain the best rate and coverage for your insurance.  We do this at no additional fee or service charge to you.  Our insurance agency's reputation for representing the best insurance companies, providing excellent customer service and competitive pricing to our clients has been earned and proven for over 30 years.  We take great pride in finding you the best coverage and backing it up with prompt personal service.  

Product Liability Insurance is a type of insurance that business owners frequently ignore. When doing an annual policy review, insurance brokers frequently rapidly gloss over it. This is likely due to the fact that the Product and Completed Operations coverage is frequently included by default in the General Liability part of an insurance policy.
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Coverage for product recalls may be included in some plans. However, occasionally this will have a narrower reach. The actual coverage might only cover the expenses paid to inform the public about the recall. In other situations, recall insurance may pay the company owner for the costs associated with physically removing the product from circulation. Recall Coverage paying out for financial losses brought on by the loss of defective products is a much less frequent occurrence.

For whom is product liability insurance necessary?
Most, if not all, businesses require product liability coverage, is the brief response to the question. The Completed Operations component of this article applies if your company is in the service sector and doesn't manufacture or market tangible goods.

One of the most crucial insurance policies for many farms, particularly those involved in direct farm marketing, is product liability coverage. Even some insurance policies for home-based businesses contain it. In reality, product liability cases frequently have the potential to be among the worst losses for small enterprises. This is another reason why small firms should always invest in reasonable insurance plans as soon as they launch their operations.

Our insurance agency's reputation for representing the best insurance companies, providing excellent customer service and competitive pricing to our clients has been earned and proven for over 30 years.  We take great pride in finding you the best coverage and backing it up with prompt personal service.  

With the beginning of a new year, it is important to review your home and auto insurance policies to ensure you are getting the most out of them. To begin this process, here are some questions you should ask when reviewing your policies; “What is and is not covered with my policies?”  “Do I need to add any new family members or vehicles to my policies?”  “What are my deductible amounts?”  “Am I taking advantage of all available discounts?” “Is my coverage adequate enough to cover a loss should I have one?”   
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The following information will help guide you through some of these key questions for getting the most out of your home and auto insurance.

1)Review Your Policy- Make Sure You Are Aware of What Is and Is Not Covered
It is essential to review your home and auto insurance policies to make sure you are aware of exactly what is and is not covered. Different policies cover different things, so it is best to read the entire policy to understand what is included. Depending on where you live and the type of coverage that you have purchased, there may be certain geographical limitations or exclusions related to certain types of damage such as flooding or earthquakes. Additionally, many policies will also list out any items that are not covered under your policy such as high-value items like jewelry or expensive electronics. By understanding exactly what is and is not covered with a policy can help prevent any unpleasant surprises if something were to happen down the line.

When reviewing your current home and auto insurance policies, it is also important to consider additional optional coverage that could be beneficial for you in 2023. This will be based on your changing needs or circumstances - especially when it comes to new vehicles added over the past year. Optional add-on coverage options can provide extra protection from specific risks not otherwise provided by standard coverage, like roadside assistance packages or rental car reimbursement, should an accident occur away from home. It is always worth considering these additional coverage options since they often come with minimal cost, but they can offer tremendous peace of mind knowing that all bases are covered should anything unfortunate arise during 2023!

2)Add Any New Family Members or Vehicles to Your Policy
Adding any new family members or vehicles to your policy is a crucial step in getting the most out of your home and auto insurance.

If you have purchased a new car, it is important to include it on your policy as soon as possible so that you can enjoy the full benefits of coverage right away. Typically, this involves providing details such as make and model information, VIN numbers, and registration data. These details will ensure a smoother process when adding a vehicle to an existing policy!
For any newly added family members (spouse/children), you may need to update certain aspects of your policies, such as personal liability limits and increased medical payments should they be involved in an accident. It is also worth considering adding them onto the same auto insurance plan since doing so often results in discounted rates due to economies of scale associated with multi-car policies.

3)Check Your Deductibles To Make Sure They Are Still Appropriate
When reviewing your home and auto insurance policies, it is important to check and make sure that the deductibles are still appropriate for your needs. Having a deductible that is too low can put you at risk of losing out on potential savings if you need to file a claim. However, having a deductible that is too high could leave you facing hefty costs in the event of an accident or damage. It is best to review the amount of deductible currently listed with each policy and compare it against any changes in your financial situation over the past year. If either has changed significantly, then it may be worth considering adjusting deductibles accordingly, so they better reflect current circumstances while also allowing for maximum savings when filing claims down the line.

Ultimately taking advantage of all applicable deductions can help ensure adequate coverage while keeping costs manageable throughout 2023 and beyond.

4)Confirm That You Are Taking Advantage of All Available Discounts
It is advisable to investigate available discounts as well when checking deductibles since these could help lower overall premiums further. It is important to make sure you are taking full advantage of all the discounts available when it comes to your home and auto insurance policies. Some of these may include discounts for having multiple policies with one insurer, being a part of certain organizations like alumni associations or professional societies, or even having certain safety features installed in your vehicle. Taking advantage of any applicable deductions can offer significant savings on premiums while still providing adequate coverage should something unfortunate arise during 2023!

It is also worth confirming if there are additional discounts that could be applied towards specific coverages such as roadside assistance packages or rental car reimbursement should an accident occur away from home. Additionally, many insurers now offer preferred driver discount programs designed to reward safe driving habits with discounted rates, so even if you have been involved in a few accidents over the past year—this could still provide some relief when it comes time to renew your policy in 2023. Ultimately exploring all potential deductions and discounts before signing up for new policies each year can help ensure maximum savings while also protecting yourself and your loved ones against unforeseen risks throughout the year.

5)Review Your Coverage Limits To Ensure They Are Still Adequate
It is important to review your coverage limits and ensure they are still adequate for your needs. This means confirming that the amount of liability protection you have is high enough, as well as any other coverages such as medical payments or rental car reimbursement should an accident occur away from home. It is also worth considering increasing these limits if possible since doing so can often result in lower premiums due to economies of scale associated with higher-value policies. Also, having adequate coverage offers more peace of mind knowing that greater financial protection is available against unforeseen risks during 2023.

In conclusion, it is important to take the time to review your home and auto insurance policies. Doing so will ensure you are aware of what is and is not covered, that the deductibles are still appropriate, that you are taking advantage of all discounts you are eligible for, and that your coverage limits continue to be adequate. Taking this action now can help save money on necessary coverage.

Strive Insurance Group, Inc. (formerly Gordon Lund Insurance Agency, Inc) is an independent insurance agency representing many insurance companies.  This means that we quote with many different insurance companies to obtain the best rate and coverage for your insurance.  We do this at no additional fee or service charge to you.  Our insurance agency's reputation for representing the best insurance companies, providing excellent customer service and competitive pricing to our clients has been earned and proven for over 30 years.  We take great pride in finding you the best coverage and backing it up with prompt personal service.  

​It can be unpleasant to open your insurance bill to pay your premium, only to discover that your premium payments have increased upon renewal.  We know that most people who carry insurance policies on their homes, cars, and businesses may be unfamiliar with how insurance policies are developed and changed.  So, we thought we might help you understand the why.
Insurers base their policy prices on several variables.  These cost components fluctuate up and down.  Premiums are currently rising in many states.  Remember, insurance companies are competing for your business, so they try to keep their rates competitive.
 
To help us through the process, we wanted to break it down between home and auto insurance.
 
Home Insurance

• The increased cost of construction materials and labor to repair or replace the damage to your home. Even though you did not have a claim, this impacts all insurance rates.
• Storms and other natural disasters. Hurricanes, floods, droughts, wildfires, and other severe weather events have become more frequent, destructive, and costly. In 2021 alone, the United States sustained 20 weather events with losses exceeding $1 billion.
• The older your home, the higher the insurance cost will be.
• Lawsuit frequency has increased, and settlements are at all-time high.
• Supply chain in the production and delivery of appliances, materials, tools, and other key construction elements added to delays and cost hikes.

Auto Insurance 

• Inflation hits the cost of buying and repairing vehicles.
• Lawsuit frequency has increased, and settlements are at all-time high.
• After COVID, accident rates increased, causing insurers to pay more for claims.
• Increased healthcare costs. Medical costs have increased for accident-related injuries.
• Crime has caused more auto thefts and break-ins, affecting all drivers' rates. There is a 20% increase nationally in stolen vehicles between 2020 and 2021.
• Your driving record may be accident-free, but if you have tickets or other violations, these will impact your premiums.

 
Proven Ways To Help Keep Insurance Costs Down

• Keep your home well maintained
• Be a safe driver
• Pay premiums annually
• Ask about discounts offered by insurers
• Bundle your home and auto together
• Increase your deductibles
• Have your agent review your insurance program and market your coverage the right insurer.

Strive Insurance Group, Inc. (formerly Gordon Lund Insurance Agency, Inc) is an independent insurance agency representing many insurance companies.  This means that we quote with many different insurance companies to obtain the best rate and coverage for your insurance.  We do this at no additional fee or service charge to you.  Our insurance agency's reputation for representing the best insurance companies, providing excellent customer service and competitive pricing to our clients has been earned and proven for over 30 years.  We take great pride in finding you the best coverage and backing it up with prompt personal service.  

We represent, and have established a strategic alliance, with only the highest quality insurance companies. In doing so, we can provide you with the service and coverage to meet your dynamic needs. As your needs change, we can review and collaborate to decide which insurance company or companies are best suited to your situation
 
 
 

Biotechnology is designed to push the boundaries of innovation and creativity. Your work aims to provide solutions to various local and global problems, including overpopulation, food insecurity, disease, climate change, and more. As such, your work is inherently risky and occasionally controversial. Any biotechnology company's risk-management strategy must include biotechnology company insurance. Below, we discuss some of the risks biotech companies may face and how biotechnology insurance can mitigate some of those risks.
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We actively manage threats to the following industries:

• All phases of the FDA's device approval process
• Medications and biotechnology
• DNA facilities
• Healthcare services and products
• Veterinary supplies, equipment, and medicines
• International and national human clinical trials
• Vaccines
• Nutritional supplements
• Drug discovery and development research

Your company, and others like it that serve the life sciences industry, are responsible for the well-being of the people, animals, plants, and environments they serve, and this entails substantial legal and regulatory obstacles. Even a single violation can prevent your products from ever reaching the market. We can help you manage your life science insurance needs covered, no matter what they may be.

Strive Insurance Group, Inc. (formerly Gordon Lund Insurance Agency, Inc) is an independent insurance agency representing many insurance companies.  This means that we quote with many different insurance companies to obtain the best rate and coverage for your insurance.  We do this at no additional fee or service charge to you.  Our insurance agency's reputation for representing the best insurance companies, providing excellent customer service and competitive pricing to our clients has been earned and proven for over 30 years.  We take great pride in finding you the best coverage and backing it up with prompt personal service. 

We represent, and have established a strategic alliance, with only the highest quality insurance companies. In doing so, we can provide you with the service and coverage to meet your dynamic needs. As your needs change, we can review and collaborate to decide which insurance company or companies are best suited to your situation

We are full into the holiday season, and while you're caught up with holiday cheer, here are our 12 gits of Christmas present. Remember, as your life changes, so should your insurance. A quick call to our office can help us educate you on the insurance coverage you need to protect your home, car, family, and life.

12 Insurance Tips for Christmas Present

1. Your tree needs water every day. It is essential to water your tree daily, or else the branches will dry out quickly. A single spark from a nearby candle or fireplace could cause catastrophe.
2. Check your insurance. If you have purchased an expensive item, you may need to adjust your homeowner's coverage. 
3. Update your auto insurance. Whether you're heading to the mall for holiday shopping or traveling to see family, make sure your insurance is current! Due to storms and ice, automobile accidents tend to increase as the temperature drops. Plan additional travel time and eliminate distractions to ensure safe holiday travel.
4. Use caution when online shopping. Consider asking your insurance agent about adding identity theft protection to your homeowner's insurance for added protection when shopping online. Typically, this can be added to your homeowner's or renters' insurance for a nominal fee, but there are also standalone plans.
5. Holiday Lights. When installing outdoor lighting, use outdoor-rated lights and extension cords, ensure they are plugged into GFCI outlets, and avoid overloading cords, as they can become hot enough to burn.
6. Stop porch pirates. Delivery confirmation is a good way to prove the package was delivered. Thieves will follow delivery trucks, waiting for the perfect target. These thieves commonly strike during working hours as many homes are empty at that time. You can insure your packages. Consider having a person there when the delivery is scheduled. Install a security camera.
7. Never drink and drive. Did you know that in some states, party hosts can be held liable for injuries caused by intoxicated guests?
8. Use caution with candles. Never leave candles burning at night. Place candles in open areas, away from walls and items that might catch on fire.
9. Set your alarm. During the holiday season, you will likely run many errands. Develop the routine of always activating your home security system. Thieves can break into your home in a matter of minutes, so you should always leave it protected.
10. Theft From Vehicles. While you are in the store, criminals are in the parking lot looking for easy ways to get into your vehicle. Keep all packages in the trunk; always lock your car, and park close to the store and in a well-lit area.
11. Stovetop safety. Never leave cooking food unattended. The most common cause of cooking fires is leaving the stove (or fryer) unattended.
12. Ladder Safety. When putting up holiday decorations, always use the proper step stool or ladder to reach high places. Don't stand on chairs, desks, or other furniture.

Strive Insurance Group, Inc. (formerly Gordon Lund Insurance Agency, Inc) is an independent insurance agency representing many insurance companies.  This means that we quote with many different insurance companies to obtain the best rate and coverage for your insurance.  We do this at no additional fee or service charge to you.  Our insurance agency's reputation for representing the best insurance companies, providing excellent customer service and competitive pricing to our clients has been earned and proven for over 30 years.  We take great pride in finding you the best coverage and backing it up with prompt personal service.  

We represent, and have established a strategic alliance, with only the highest quality insurance companies. In doing so, we can provide you with the service and coverage to meet your dynamic needs. As your needs change, we can review and collaborate to decide which insurance company or companies are best suited to your situation
 
 
 
 
 

The holiday season is filled with fun, parties, food, gifts, overeating, and, unfortunately, some risk. One of the fasted growing risks for many people is stolen packages by porch pirates. More than 25 million Americans have their packages stolen right from their doorsteps by porch pirates each year, don't be one of them.
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Your homeowners or renter’s insurance generally may not cover this loss as it tends to be under your deductible. There could be covered if you have personal property off-premises insurance.
Call our office for a review of your homeowner’s insurance, as each policy is unique to your circumstances.

Things To Do

• Delivery confirmation is a good way to prove the package was delivered.
• Thieves will follow delivery trucks, waiting for the perfect target.
• These thieves commonly strike during working hours as many homes are empty at that time.
• You can insure your packages.
• Consider having a person there when the delivery is scheduled.
• Install a security camera.

What To Do If A Package Is Stolen

• Track your package. Check the delivery confirmation and tracking number.
• Make sure a neighbor did not pick it up for you.
• Contact the seller. Different retailers have different policies and processes for handling stolen items, but usually, you are entitled to a refund or a replacement item.
• File a claim with the shipping company.
• Check your Credit Cards for Purchase Protection.

Call our office for a review of your homeowner’s insurance, as each policy is unique to your circumstances. We are happy to help you through your claim and help you determine the best course of action.
 

The life sciences industry is intricate and dynamic. Life science companies have unique coverage challenges due to exposures such as research and development costs, clinical trials, and a litigious environment.
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We are familiar with the unique coverage requirements of the life science industry. We offer insurance programs designed specifically for businesses in all phases of medical technology research, development, and manufacturing.

Instead of providing you with a single option, we work with a number of partners so that we can source the best options for your risk profile and budget. We provide coverage for medical devices and biotechnology throughout the entire product life cycle, from early-stage research and development to clinical trials and beyond.

• Biologics
• Distributors and Wholesalers of Pharmaceuticals, Nutraceuticals, and Medical Equipment
• Medical Product and Device Manufacturers
• Research and development institutions
• Biotechnology
• Contract Manufacturing Businesses
• Analytical Laboratories
• Contract Research Businesses
• Clinical Trials

In the life sciences industry, we know you have to innovate to stay ahead. Companies in the industry compete and strive to be the first to develop new drugs, supplements, medical devices, and technologies that promote better health. Let us put together a specialized Life Sciences Insurance solution that minimizes loss potential and protect your bottom line.

Strive Insurance Group, Inc. (formerly Gordon Lund Insurance Agency, Inc) is an independent insurance agency representing many insurance companies.  This means that we quote with many different insurance companies to obtain the best rate and coverage for your insurance.  We do this at no additional fee or service charge to you.  Our insurance agency's reputation for representing the best insurance companies, providing excellent customer service and competitive pricing to our clients has been earned and proven for over 30 years.  We take great pride in finding you the best coverage and backing it up with prompt personal service.  

Business insurance is crucial in the current economic climate. In case we get sick or hurt, we have health insurance. We have auto insurance to protect us in case of a collision and allow us to drive legally. There is no exception for businesses. The proper types of company insurance coverage are necessary if you operate a business in order to safeguard it.  Common misconceptions about company insurance are dispelled as follows:
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Only Large Businesses Are Sued
Even in our litigious culture, many people are aware that going after a big business in court is frequently a bad idea. They have the financial wherewithal to wait out a plaintiff, tying up the matter in court as their in-house attorney refuses to move.
Forty percent of all small firms, according to the Small Business Administration (SBA), are thought to be involved in litigation every year. Therefore, it is highly possible that you will have faced legal action by the time you have been in operation for three years.

Insurance Is Not Necessary For Small Businesses
Simply said, this claim is untrue. In this litigious environment, any size of company can be sued. Every year, numerous small firms get into legal disputes.

The size of your business property, the number of employees you have, or even your revenue are not factors in business insurance. It needs to be based on the risk exposure that your company faces. The correct insurance coverage can assist in protecting your business from catastrophe, regardless of the risk, which may include fire, theft, liability for injuries, or a lawsuit based on a service or product your firm delivered.

My Home-Based Business Is Covered By Homeowners Insurance
It's crucial to understand that your homes insurance won't offer enough protection for your home-based business if you're self-employed and operate from home. According to the Insurance Information Institute, the median homeowner’s policy only covers business equipment up to $2,500. (III). This might not be sufficient to cover all of your commercial property. Additionally, a homeowner’s policy won't offer liability or lost income coverage, which you could require. Your alternatives for home-based business insurance can include:

BOP: This sort of insurance is intended for small to medium-sized businesses. If your home-based business has multiple locations, it is a wise decision. On a far larger scale than an in-home business policy, a typical BOP will cover business property and equipment, liabilities, lost income, and other expenses. 
 
The Cost of Business Insurance Is Expensive
Although it is not free, business insurance is required to run a business. Cutting costs in a way that puts your company in danger is not a cost-effective strategy. Every day, several small businesses are sued for various reasons. Your company's size, location, and the kinds of services or goods you offer will all affect how much your business insurance will cost.

Strive Insurance Group, Inc. (formerly Gordon Lund Insurance Agency, Inc) is an independent insurance agency representing many insurance companies.  This means that we quote with many different insurance companies to obtain the best rate and coverage for your insurance.  We do this at no additional fee or service charge to you.  Our insurance agency's reputation for representing the best insurance companies, providing excellent customer service and competitive pricing to our clients has been earned and proven for over 30 years.  We take great pride in finding you the best coverage and backing it up with prompt personal service. 
Call our team for a free review. 

Everyone needs some level of personal insurance. Most purchase auto insurance, homeowners or renters insurance, life insurance, and maybe personal umbrella coverage. There are some many choices that at times you may wonder which is best for you and your family.  We put together a list of questions you might think about as you consider your personal insurance. We always recommend you review your personal insurance annually to make sure it is still meeting your needs. 
 
Do Agents Offer Something Different?
 
We would answer that as a yes because, agents have access to different kinds of insurance companies, they offer you a choice and work to provide the best possible combination of coverage price and service. Agents are a small business whose goal is to look out after their clients.
 
If I Rent, Do I Still Need Insurance?
 
Renters should purchase renters insurance to protect their personal property like; furniture, guns, electronics, and clothes. Your apartment owner may also require liability coverage, which can be included in renters insurance. Renters insurance is very affordable and can be an effective way to make sure you are covered in the event of a loss.
 
Does The Type Of Vehicle Affect My Auto Premiums?
 
Yes. The make and model of the car you drive play a factor in your car insurance rates. The cost of your vehicle also makes a big difference; the more it costs to repair or replace your vehicle, the more you will pay to insure it.
 
Are There Auto Insurance Discounts?
 
Many insurance carriers offer lower rates to good students, military personnel and people with excellent credit. Ask your agent what discounts are available.
 
Will a Parking Ticket Affect My Auto Insurance Premiums?
 
Not usually. You can generally have one ticket on your history without it adversely affecting your premium.
 
 
When Should I Consider Life Insurance?
 
Life insurance is something you might consider when you get married or start having children. Some employers offer a small amount of life insurance, but these plans generally are not enough. Life insurance can provide peace of mind to loved ones in the event of an untimely death of a breadwinner. Life insurance proceeds can be used to fund college, pay for outstanding bills, to supplement lost income for a period of time.
Life insurance premiums are at all time lows so it can be a very cost effective financial planning tool.
 
Is A Personal umbrella Policy important?
 
Most of us engage in daily activities that put us in danger. Your danger of being sued simply increases if you own a car or an automobile. Many Americans only purchase vehicle liability insurance for $300,000 and homeowners’ liability insurance for no more than $300,000. A personal umbrella policy can give you an extra $1 million in liability protection. 
 
I Am Remolding My Home, Do I Need To Adjust My Insurance?
 
If your insurance is written on a replacement cost basis, there may be no need to make adjustments, but we always recommend you contact your agent to review this question. The answer depends on the kind of work you are doing. For example, if you are replacing your carpet with a similar product, you may not need to make any changes in your policy. But if you are adding a 500-foot addition on to your home, then this would definitely require adjustments in the value of your home.
 
For example, say your insurance valuation is based on a kitchen with laminate countertops and generic cabinets. But then you spend $60,000 on granite countertops, custom cabinets, and top-of-the-line appliances. Would your existing coverage be sufficient to rebuild your remodeled kitchen after a loss? Most likely, you would have an issue.
 
Before you enter into any renovation project, contact your agent, and they can help you identify which areas may require insurance updates.
 
I Have A Home Based Business, Should I Get Additional Insurance?
 
Homeowners or renters insurance policies do not cover any business risks. If you run a business out of your home, we recommend you purchase a business insurance policy. If you have customers in your home for business purposes, your home insurance does not provide any coverage.  Depending on the type of business, coverage may be added to your existing homeowner’s policy through a rider or endorsement. 
 
I Just Bought A Personal Watercraft, Is That Covered?
 
Unlike small boats, personal watercraft are not generally covered by your homeowners This would include; bodily injury to you that is caused by an uninsured watercraft operator. The legal costs if you're sued due to an accident.  And any damage to the personal watercraft you own.
 
Strive Insurance Group, Inc. (formerly Gordon Lund Insurance Agency, Inc) is an independent insurance agency representing many insurance companies.  This means that we quote with many different insurance companies to obtain the best rate and coverage for your insurance.  We do this at no additional fee or service charge to you.  Our insurance agency's reputation for representing the best insurance companies, providing excellent customer service and competitive pricing to our clients has been earned and proven for over 30 years.  We take great pride in finding you the best coverage and backing it up with prompt personal service.