Business Insurance
Every business and industry is unique.  You could own a main street store, a software-consulting firm, a machine shop, or be a contractor. Whether your business is large or small, we have the products to meet your needs.

Our niche markets include contractors, main street business, the IT industry, light to medium manufacturing, quality apartment and condo buildings, restaurants and special events.

As business owners ourselves, we understand the importance of a professional approach to evaluate exposures including an active assessment of your business operations. After assessing your insurance needs, we will consult with you and determine how we can protect your business with a comprehensive insurance program.

Many of the insurance companies we represent have loss control programs, safety meeting materials and, of course, fast and fair claim service.

Some of the programs available are:

Businessowners	Bonds
Property	Cargo
Liability	Commercial Inland Marine
Business Auto	Crime
Directors & Officers Liability	International Liability
Employment Practices Liability	Employee Benefits Liability
Errors & Omissions	Professional (non-medical) Liability
Employee and Business Related Benefits We assist clients in exploring options and obtaining coverage for such benefits as:
Group Health Insurance	Key Person Insurance
Group Life Insurance	Long-Term Care Programs
Group Disability Income	Deferred Compensation Plans
Group Voluntary Benefits	Executive Life & Disability
Group Dental	Travel Accident Insurance
Group Vision	Annuities

---

top  

Personal Auto Insurance
Even though all auto insurance policies may appear to be the same, not all are created the same.

Whether your autos are used for family transportation, driving to work or you have a fun sports car used only for sunny weekend drives, we offer several policies to protect you in the event of a loss.

Benefits and options vary from company to company but could include:

• auto/home discount
• claims free discount
• replacement cost coverage on a new auto
• good student and driver training discounts
• loan/lease coverage
• payment options
• 24 hour claim service (offered by most companies)

---

top  

Home, Apartment, Condominium, and Secondary Home
Whether you are a homeowner or a tenant or condo unit owner, your home and your personal belongings are among your largest assets.

After a review of your needs and exposures, our goal is to provide you with a quality product tailored to your personal needs.

Discounts may be available for having smoke detectors, alarm systems, or having a history of being claims free for home/auto combination policies.

When we give you a quote, we will review optional coverages that are available and may be important to you. Some of these optional coverages are replacement cost of contents and home, higher liability limits, identity theft protection, water backup coverage, and special riders for jewelry/fine arts/collectibles.

---

top  

Motorcycles, Recreational Vehicles and Watercraft
Some people would call these “toys” but we consider them to be an extension of one's search to escape the everyday grind. No matter what you call them, it is important to have adequate property and liability coverage to protect your personal assets.

---

top  

Life Insurance
Life Insurance provides financial protection for you, your family and perhaps your business. It can be used to cover short-term needs, shortfall of assets, your mortgage, help with retirement or college education, create or fund a trust, preserve your business or help a business to retain key people.

We can assist you to determine the proper amount, structure and type of insurance for your individual needs.  We have many term, permanent and universal products available. Some carriers offer optional riders for long-term care, terminal illness, accidental death and waiver of premium, to name a few.

John Pearson and Paul Massucci are licensed and contracted with numerous companies to assist you to structure the proper plan for you.

---

top  

Medical Insurance
Are you between jobs or are you a recent graduate? Perhaps your employer does not provide health coverage or you need a Medicare supplement. We have plans that can provide temporary coverage for long periods of time. The choices vary from deductibles of $250 to $5,000 with co-insurance of 90/10 to 50/50. There are network (PPO) and traditional plans with optional riders for pregnancy, prescription drugs and wellness benefits. The new Health Savings Account (HSA) medical plans are now available through several carriers. Recently enacted federal legislation has made the High Deductible Health Plans more attractive than ever before.

Disability Income
You may have insurance to protect your home in case of fire and other losses. You may own life insurance to replace income and provide for final expenses, but what happens if you become disabled and your paycheck stops? Not only do the monthly expenses keep coming in, but additional expenses could also be incurred.  Disability coverage can provide peace of mind and income for those monthly expenses, without your having to deplete your assets.

Perhaps you have a group disability income plan at work. Take the time to review it as to how long it will provide a benefit, the definition of "disability" and what other factors could reduce the benefit payable. Most individual plans allow the purchase of a benefit up to 50% of earned income. Benefits paid are tax-free.

Long-Term Care
Perhaps you have had the personal experience or know someone who has had to place a loved one in a nursing home or extended care facility or has had to procure Hospice care. These events can be very traumatic emotionally and physically. To compound problems, the expense can be devastating.  Entire life savings can be "wiped out" to pay for such care. Medicare does not very well address the problem, nor does medical insurance.

Long-Term Care can provide the necessary monthly income to pay for these expenses, whether it is for home health care, nursing home or extended care facility. Optional benefits available can provide for wheel chairs, special beds, a ramp and other special needs.

---

top  

Personal Umbrella Liability
Accidents happen and litigation sometimes follows. You can become the target of legal action and face potentially huge judgments along with high defense costs.

Some claim examples:

• A parent transporting children to a sporting event was involved in an accident and two children were seriously injured... the parent was sued.
• A dog attacked an individual and the person lost their eye...the dog owner was sued.
• A homeowner with a swimming pool invited guests over. A guest slipped into the pool and suffered a serious head injury... the homeowner was sued.

There is one thing these claims had in common. They all ended with jury awards of $600,000 to over $2 million.

An umbrella policy is designed to provide additional dollars for you once your primary policy limits have been exhausted. Legal defense costs are usually covered on most policies and are in addition to the liability limits.

---