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Frequently asked questions

Personal Protection

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These are common questions that can be answered during our free, no-obligation consultation. If you have the same or similar questions, we can get them answered for you!


Auto Protection

  • What happens if someone is hurt in an accident that I cause? 
  • How does my deductible work? 
  • What is the state minimum liablity coverage? 
  • What is Replacement Cost? 
  • How much liability coverage should I have? 
  • Do I have to add my 16 year old to my policy? 


Home Protection

  • What happens if someone is hurt at my house? 
  • How does my deductible work? 
  • What is the difference between Guaranteed Replacement Cost and Replacement Cost with a cap? 
  • Is my finished basement covered? 
  • Do I need a home inventory? 
  • How does Liablility Coverage work? 
  • Should I insure my jewelry? 


Umbrella Protection

  • What happens if I am sued for a car accident I cause?
  • What happens if I slander someone? 
  • What happens if someone slips at my house and I do not have enough Home Liability? 
  • How do I determine the limits of my Umbrella?


Disability Protection

  • What happens your paycheck is stopped due to a disability? 
  • How does Disability Insurance work? 
  • Is it expensive? 
  • I have at work, is that enough?


Life Insurance

  • What is the difference between Term and Permanent? 
  • How much Life Insurance should I have? 
  • What if I already have through work? 
  • Should I buy Term and Invest the difference? 


Health Insurance

  • What is Major Medical?
  • What is Short Term Medical?
  • What is Long Term Care Insurance?
  • What is Medicare Supplement?
  • HSA Plans?
  • What are Group Medical plans?

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Business Protection

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These are common questions that can be answered during our free, no-obligation consultation. If you have the same or similar questions, we can get them answered for you!


General Liability

  • How much Liability should my business carry? 
  • What if I am sued? 
  • If I lease space, do I need General Liability? 


Commercial Auto

  • How much Liability do I need? 
  • Are the contents I delivery covered? 
  • Can my employees use their cars to run errands? 


Property Protection

  • How much Business Property should my business carry? 
  • If I own the building do I need Business Property? 
  • If I lease space, do I need Business Property Insurance? 


Worker's Compensation

  • I have no employees, do I need Worker's Comp? 
  • How is my rate determined? 
  • My employees are contractors, do I still need? 

Get your answers

Wealth Management

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These are common questions that can be answered during our free, no-obligation consultation. If you have the same or similar questions, we can get them answered for you!


Retirement Solutions

  • When should I start saving?
  • What type of plan should I use?


Savings and Growth

  • How do I invest?
  • What's the best plan for me?

Get your answers