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Group Benefit Plans
We have the tools and expertise to deliver a full line of insurance services to your employees.
Group medical and dental (fully insured and self funded) and employer sponsored benefits such as basic life, short-term and long-term disability help attract and retain talent giving you and your employees peace of mind.
Learn more by calling us today!
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| What do I need to do in the case of an accident? |
Remain Calm, and Courteous, always be Consistent in your version of the accident. Move your vehicle to the shoulder or other “Safe Area” to prevent further damage. (when conditions Permit)
• Ask someone to call the police or other medical assistance. Repeat about every 5 minutes.
• Obtain complete information from those involved.
• Complete the traffic report on the scene – not later on.
• Obtain names of witnesses including addresses and phone numbers.
• Notify your agent of the accident as soon as possible.
• Never make a deal for damages incurred or leave the scene of an accident
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| What is auto insurance, and why do I need it? |
Auto insurance is a contract between you and an insurance company. You pay a premium in exchange for specific car related losses during the term of the policy. By carrying a policy you guaranty that you will be able to pay for losses that you cause others as well as losses and or injuries incurred by yourself.
In some states you must provide your insurance card for even minor traffic violations. You are subject to a fine if you don’t carry your card in your vehicle with you.
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| What is renters insurance and why do I need it? |
Your landlord may carry insurance but generally it only covers the building where you live, not your personal belongings. A renters policy will protect you from perils such as fire, theft and vandalism of you personal items in and around your apartment. You could also be held responsible for injury to another person or damage to another person’s property if an incident occurred within your rented residence, or elsewhere.
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| What is life insurance? |
Life insurance is protection against financial loss resulting from death. It is a promise to pay you beneficiary a specific amount of money in exchange for timely payment of premiums.
Although, you may not think about it, your ability to earn income is a significant asset and life insurance helps replace lost income in the event of your premature death. It can help maintain your family’s standard of living or payoff a mortgage loan or other debt. You may need money to fund a childs education as well as finializing expenses, such as funeral costs and taxes.
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| How do I safely buckle my kids? |
Always follow the directions that come with your child safety seat, as well as the passenger restraint directions in your vehicle’s owner’s manual.
Don’t put your child in the front seat. Children under 12 should sit in the back seat and remain appropriately restrained. Always keep a child under a year (0-20 lbs.) in a rear facing car seat and keep straps snug, at one year (20-40lbs) a child may face forward in the back seat. Never place a rear facing infant in the front seat with an airbag.
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