Auto Insurance

Personal insurance products provide our customers with protection for their homes, automobiles and personal possessions, along with personal liability coverages.

Illness and injury strike without warning. Who will pay the doctors, hospital, ambulance, drug store, and all of the people that care for you and your family? Even a brief hospital stay can cost thousands of dollars.

We offer Preferred Provider plans, all provider plans, and all varieties of deductibles and copay. Contact us for all the medical and disability plans available.

For the businessman, groups down to 2 people can obtain a program rivaling large groups. Life insurance, short and long term disability income, and all sorts of deductibles and features are available to you for your group. Call us with your census of workers, and we can design a plan for you.

MEDICARE
Medicare is a complicated area for seniors. If you’re a Medicare recipient, you need a supplement from some source. The Part A deductible increases each year. Part B also carries a $100 annual deductible. You are responsible for the 20% under Part B that Medicare does not cover. We have competitive plans through several companies that will take this worry off of your shoulders.

Disability Income
If you owned the goose that laid the golden egg, would you insure the goose or the eggs? YOU are that goose bringing home that paycheck. You insure your home, auto, collectibles, boat, but not your paycheck. Where will your money come from if you can’t work due to an illness or accident?

Disability income is one of the most important coverages for you and your family. We will give you the money to keep the house going, pay the bills, put food on the table, and allow you the time to get well without the burden of going back to work too soon. Statistics show that people with disability income insurance recover from illness and accident faster, because we give them the time that they need.

Many businesses today face challenges in attracting and retaining top employees. As a business owner, you know the importance of employee benefits and their contribution to your business success. We will work with you to develop a program tailored to your individual circumstances. These products and services are designed to provide solutions to your personal and business financial needs, including:

In today’s environment, offering the right health insurance benefits can be a challenge. You want to provide the best possible plan for your employees yet it must to be cost efficient for your business.

Church Plus Insurance Services is committed to health insurance for both our commercial customers, who need group coverage for their employees, as well as the individual or family that needs coverage.

With the changing face of health insurance in today’s market, we are staying abreast of the latest developments that will affect the coverage you expect as well as the cost impact upon you.

We have the wide array of health insurance options available in our area, and we will always present to our customers the best options at the best price available.

Charitable organizations have enough on their minds without having to worry about their insurance needs. You want to have the confidence that the organization you’ve built is covered by a company that understands your unique insurance needs.

Nonprofit commercial business insurance provides wide-ranging protection for charitable organizations and their subsidiaries under a single policy. There are various types of nonprofit commercial business insurance that take care of property, liability and workers’ compensation, to name a few. While property insurance covers damages to business property and products stored within the premises; liability insurance provides coverage for damages to third parties; and workers’ compensation insurance covers injuries to employees.

Nonprofit commercial business insurance is an important aspect of any charitable organization that cannot be ignored especially if the business premises are leased or rented and even otherwise. Whatever your commercial insurance needs, we can design a protection program that’s right for you.

Charity Insurance Services provides the following types of nonprofit business insurance protection:

Your congregation has a substantial investment in your church. It’s not only a place of worship, but a community gathering place for activities of all kinds. If church property is damaged or destroyed you’ll want to replace it.

If someone is injured on church property or while working for the church you’ll want to be able to meet your financial responsibility to them.

Church Plus can provide the protection your congregation needs for sound and flexible insurance coverage for church liability and property exposures.

Property – Building and/or Personal Property

Replacement cost on buildings and contents
Valuable papers and records
Agreed value
Furniture fixtures, improvements and betterments, inventory
Building Ordinance and Law
Comprehensive Mechanical Breakdown Coverage
Wind and Hail Coverage
Flood Coverage Available
Inland Marine Coverage
Stained glass
Property in transit
Property at other locations
Backup of sewers and drains
Pastor’s Business Personal Propert
Comprehensive General Liability – $1 million occurrence/$3 million aggregate

Bodily injury and broad form property damage
Premises and operations
Abuse and Molestation Coverage
Fire legal liability
Corporal punishment
Additional insureds, officers, trustees, volunteers
Hired and Non-Owned Auto Liability
Personal injury
Blanket contractual
Broadened medical payments
Student Medical
Crime

Burglary, robbery or theft
Broad form money coverage inside and outside premises
Forgery, counterfeit monies
Employee dishonesty
Coverages Include

Directors and Officers Liability
Pastoral Profesional Liability
Employee Benefits Liability
Schedule fine arts
Electronic data processing equipment
Personal properties of others
Heating and air conditioning coverage (optional)

Owned Automobile Coverages – Available

Workers Compensation – Available

Umbrella Liability – Available

Employment Practices Liability Insurance (EPLI) – Available

Special Event Coverage

Workers' compensation insurance protects employers from claims resulting from injuries to employees. It protects your business from lawsuits and provides employees with compensation for on-the-job injuries.

By law, most employers are required to provide coverage for lost wages and medical bills incurred as a result of on-the-job accidents or illnesses. For many businesses, workers' comp coverage is the largest part of its insurance expense.

Jeff R. Insurance offers a broad range of coverages that are cost-effective and perfectly tailored for your business requirements if wholesaling or distributing. Get coverage specifically designed for today's wholesalers and distributors.

Our wholesalers and distributors insurance programs include detailed risk assessment and loss control expertise that can help reduce insurance costs for everyone from the small supplier to the large distributor.

I understand that you have worked hard to become experts in your winery and vineyard, and I want to insure your growth.

Vineyard and winery insurance policies are designed to protect your business throughout the entire winemaking process. Our extensive experience in agribusiness and farm insurance, combined with our expertise of the wine industry, enables us to work with you to adapt a winery insurance program to suit your business' unique protection needs.

Many companies are unaware that their current business and insurance policies most likely do not cover them for all of their technology-related risks. Our technology insurance protection offers coverage options tailored to fit your company's unique needs.

In today's technology-driven world, companies face a number of dynamic exposures. Whether it is hardware failure, faulty software, inappropriate advice, misconfigured firewalls, or inadequate anti-virus software, companies are increasingly at risk. Claims are growing rapidly, leaving companies liable for expensive lawsuits.

Surety Bond is a three-party agreement whereby the surety guarantees to the obligee (the project owner) that the principal (the contractor) is capable of performing the contract in accordance with the contract documents. Performance of the contract, which is the subject of the bond, determines the rights and obligations of the surety and the obligee.

Here are the eight different families of surety bonds:

Fidelity Bonds
Public Official Bonds
Judicial Bonds
Fiduciary Bonds
License and Permit Bonds
Contract Bonds (Bid and Performance Bonds)
Miscellaneous and Federal Bonds
Notary Bonds

Whether you are planning a corporate event, holding a large rock concert, or organizing a local flower festival, you will need special event insurance to ensure that you are covered for unexpected occurrences that may spoil the success you and your company may receive when the big day arrives.

Sample List of Special Events:

Corporate Events
Company Meetings
Auto Shows
Concerts
Sporting Events
Proms
Dances
Dog Shows
Parades
Ethnic Celebrations
Horse Shows

Today's restaurant environment is more complex than ever, and you need to know you're covered for the unexpected occurrence with insurance specific to the unique needs of restaurants and bars.

Whether you run a small cafe or a national chain, you could be held liable for anything from contaminated or spoiled food to spilled coffee. That's why you deserve an insurance company with commercial restaurant insurance coverage specifically designed for the risks you face.

Restaurant & Bar Insurance is needed for the following:

Fine Dining
Casual Dining
Fast Food
Ethnic Cuisine
Delicatessen
Coffee Shop
Micro Brewery