If you own a high-value property or drive a luxury car, you may need a more robust insurance program. Our premium coverage and exclusive benefits extend far beyond standard policy offerings.


  • Guaranteed Replacement Cost
  • Replace, Rebuild, or Receive a Cash Settlement
  • Broad Coverage for Sewer and Drain Backups
  • Equipment Breakdown for Home Appliances
  • Cyber Liability and Identity Fraud
  • Comprehensive Risk Analysis and Prevention


  • Agreed Value Feature
  • Original Manufacturer’s Parts and Procedures
  • Worldwide Liability for Rented Vehicles
  • Expanded Rental Car Coverage


Life insurance can be used to secure your family’s financial future, fund a buy-sell business agreement, cover inheritance taxes, fund a college education, or as an investment vehicle. We offer a variety of life insurance policies, and the kind of policy you choose will depend on your unique needs.

  • Term
  • Whole Life
  • Universal Life
  • Disability

Sometimes bad things happen – a car accident, a guest slips and falls on your property, a lawsuit. Experiencing a major claim could lead to a personal financial loss if costs exceed your limits of liability. Personal umbrella or excess liability insurance provides coverage above and beyond the underlying liability limits of your primary policies such as home, auto or watercraft.

  • Limits Available up to $100 million
  • Worldwide Liability
  • High Public Profile
  • Domestic Employee Liability
  • Employment Practices Liability
  • Non-Profit Boards



While typical homeowner policies are designed to protect your home and what is inside, there is usually a limited amount of coverage for valuable possessions.  Accidents can happen. Diamonds fall out of rings, antiques break, artwork and firearms get stolen.  The most common and comprehensive way to protect these possessions is with a separate collections policy. Our programs include:


  • Flexible Coverage Options
  • Broad Coverage for Newly Acquired Items
  • Protection Against Market Increases
  • Worldwide Protection
  • Agreed Value Feature


We offer comprehensive programs that can accommodate a wide variety of recreational needs. Whether you own an ATV, ski boat, pontoon, luxury yacht, or something in between, we have the programs to fit your needs.


  • Agreed Value Feature
  • Wreck Removal and Clean-Up
  • Emergency Towing and Assistance
  • Broad Navigational Limits
  • Uninsured Watercraft