DBInsurance

Individuals and families have a variety of personal risk management needs related to their homes and personal liability.

Homeowners insurance provides coverages for your house, your personal property, and additional living expenses and rental value against loss by fire to other specified causes of loss – including theft. Personal liability coverage is also provided for medical payments and damage to property of others.

Not all residences are eligible for homeowners coverage, and not all insured want or need a Homeowners policy. For these residences and customers, Dwelling Fire policy may be more appropriate. Dwelling policies may be written for one- to four-family homeowner, tenant-occupied dwellings or dwellings under construction.

Personal Auto insurance is designed to insure private passenger autos – vehicles such as cars, vans, station wagons, and sport utility vehicles designed primarily for use on public roads.

Car insurance is designed to protect drivers and passengers in an accident and also helps protect fellow drivers, pedestrians, and other people's property. In the case of an auto-related lawsuit, your auto policy can also help protect you.

If your current policy liability limits are exhausted, you will likely be responsible for paying the difference, and if the judgment is significant, it could impact your assets – like your home. A Personal Umbrella policy on top of your underlying homeowners and/or auto policies can protect you with relatively low premiums so you can live with peace of mind.

Businessowners policies provide a package of property and liability coverages to meet needs of small to medium-sized businesses. Businessowners policies cover buildings and personal property, and many automatically include business income coverage. Other common coverages such as employee dishonesty, burglary and robbery, money and securities, signs, and glass are either included automatically or available as options.

Commercial Property policy is an insurance policy for businesses and other organizations that provides coverage for damage to their buildings and contents due to a covered cause of loss, such as fire, lightning, explosion, and vandalism. The policy may also cover loss of business income or an increase in expenses that result from the direct damage to covered property.

In your business, there are many types of liability risks arising from ownership and maintenance of the premises or firm's operations, products you are manufacturing and selling, and so forth. By purchasing this policy, you can feel secured from your hectic business life.

Commercial Package policies combine several features of insurances – commercial fire, machinery breakdown, and liability insurance – in one policy to meet needs of medium to large sized businesses. It is also an easy way to maintain your insurance contracts.

Legal liabilities arising out of the ownership and use of cars, trucks, and trailers can be enormous. Commercial Automobile policy provides coverage for those legal liabilities from your business automobiles.

Employers are required to provide workers compensation benefits to employees who have a job-related injury or an occupational disease. Workers Compensation insurance provides coverages such as medical benefits and lost wages for your employees and your business.