Commercial Insurance

With over 40 years of experience and 1200+ happy customers, we are here to serve you.

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Secure your family's future, secure your peace of mind.


Secure your family's future, secure your peace of mind.



FAQ

  • How much Life Insurance do I need?

    How do you know if you need $250,000, $500,000 or more in coverage? A life insurance needs analysis will help you figure it out. It’s actually a pretty simple calculation. You begin by estimating your family’s immediate and future financial needs. Then, you add up all of the resources that are in place to meet those needs. The difference between the two is your need for life insurance. Another basic method to figure out the minimum insurance needed is multiplying your annual income by 10.

  • If your employer provides me Life Insurance do I need more?

    Life insurance through your job is a great perk to receive, but you should view it as just that…a perk or an added bonus. For one thing, most employers tend to provide very limited amounts of coverage at their own expense, typically a lump sum such as $10,000 or coverage equal to one times your annual salary.  Another limitation is that it’s not always possible or practical to take your coverage with you if you change jobs. An individually owned policy follows you around wherever you go. If you change jobs, you won’t have to worry about the possibility of your family being left unprotected. 

  • Should I get a policy for 10 years, 20 years, or even longer?

    It’s impossible to provide a generic answer to this question since everyone’s situation is different. Many people will buy a policy that provides coverage until their kids reach college-graduation age. Others will want to have coverage until their mortgage is paid off. A business owner might want lifelong coverage for business succession planning purposes. Our best advice is to speak with one of our life insurance professionals, who can conduct a quick needs analysis over the phone and help you determine the amount and duration of coverage that’s right for you. 

  • What type of Life Insurance should I buy, Term or Permanent?

    This is another question for which there’s no blanket answer. Both types of insurance have their merits. Our view is that for many people term is often the best solution because it allows you to get the most coverage for your money. When buying life insurance, the most important thing you want to do is buy enough coverage. When you die, your family won’t care if you had term or permanent insurance. They’ll only want to know…is there enough. 

  • Why do I need a medical exam when applying for coverage?

    With most life insurance purchases, you’re required to have a medical exam as part of the application process. That’s because your personal health status is one of the key factors used to determine how much you’ll pay for your policy. If you think about it, that makes sense. If you’re in perfect health, your odds of living a long life are much greater than someone your age who is in poor health, and you should be rewarded in the form of lower premiums. Conversely, someone in poor health should be required to pay more than you because there’s a greater chance, statistically, that the insurance company will have to pay a claim for that person. The exams usually take no longer than 20 minutes and are conducted by paramedical companies that come either to your home or office, at a time that’s convenient for you.  

  • If I've had serious health issues, will I be able to apply for coverage?

    A lot of people don’t apply for life insurance coverage because they think they won’t qualify. But the truth is, they’re making a mistake. If you need life insurance, you should apply. It’s true that people in poor health will pay more for coverage, but that’s a better plan than leaving your family’s financial future to chance. Even if you’ve had a very serious condition such as cancer, many companies will provide you with coverage as long as you can show that you’ve been cancer-free for a certain period of time (e.g., 2 years) and that the cancer isn’t likely to recur in the near future.

  • How long does the application process take?

    Because most life insurance applications require underwriting (i.e., a medical exam, an evaluation of your family’s health history, etc.), the process typically takes from 1 to 2 months. The good news is that we get cases processed faster than almost anyone else in the business thanks to our streamlined underwriting procedures and the excellent working relationships we have with the highly rated companies that we represent. 

  • What is an Accelerated Death Benefit?

    Most policies contain a provision that allows a terminally ill person to “accelerate” part of his or her death benefit while that person is still alive. Some people will use the money to take care of financial affairs and other final arrangements. Others will use the money to help pay for medical bills. The money can even be used to do nice things for your family like take them on vacation while you’re still able to.   

  • Who should I name as the beneficiary of my policy?

    There are various options, and each has its merits depending on your particular situation. You can name specific individuals such as a spouse, a partner or your children. When naming individuals, it’s important to name contingent (or secondary) beneficiaries in the event that you outlive your primary beneficiary. Another option is to assign the proceeds of your policy to your estate. If you do so, make sure that your will clearly states how and to whom your assets are to be distributed. You can also set up a life insurance trust and assign the benefits of your policy to the trust. If you are a high net worth individual, this can be beneficial for estate planning purposes. In making decisions about beneficiaries, it’s advisable to consult your attorney and/or tax advisor.  

  • How often should I review my Life Insurance needs?

    Life insurance needs change as circumstances in your life change such as the birth of a child, buying a new home, getting a job or promotion, getting married or divorced, starting a business, etc. So it’s wise to have your life insurance needs assessed at least every few years to make sure that your insurance needs are keeping up with all of the other changes in your life. 

Contact Us

Services

Homeowner Insurance

When searching for home insurance, you may require more than one type of coverage. Let our agents handle the search for you and provide a comprehensive package customized to your specific needs.

Auto Insurance

Numerous individuals have insurance policies but lack a comprehensive understanding of their coverage. Our proficient agents ensure that you are fully informed about all your coverage options.




Commercial Insurance

Business owners should thoughtfully evaluate their Commercial Insurance requirements. This is why we provide a variety of coverage options for businesses of all sizes.




Farm & Ranch

Allow our proficient team of agents to assist you in protecting your farm or ranch with a tailored policy that consolidates multiple coverages into a single, convenient package.

What You Need to Know

When It Comes to Tax and Audit Representation, I’m in Your Corner

With the IRS conducting audits on fewer than 1% of tax returns in recent years, you might assume that you're immune to the process. However, that assumption may not hold true, especially if your tax return is complex, you have substantial business expenses, or your income places you in a higher tax bracket.


The reassuring aspect is that nearly 75% of these audits involve the IRS sending notices or letters requesting further information or clarification, rather than full-scale field audits. However, it's important to exercise caution when responding to these IRS communications, even if you possess a good understanding of tax law. Remember that IRS auditors, while friendly, ultimately represent the IRS's interests, not yours.


While some taxpayers do successfully navigate IRS audits on their own, the likelihood of a favorable outcome increases significantly when you have an experienced tax professional in your corner. Without professional guidance, you may find yourself owing the IRS money instead of receiving a refund.


When you engage our services to represent you during an audit, here's what we bring to the table:


- We handle all communication with the IRS regarding the audit.

- We ensure you take the necessary steps to minimize your tax liability.

- We manage all discussions with auditors to mitigate the risk of additional tax liabilities.

- If needed, we are prepared to appeal any unfavorable decisions on your behalf.

Failing to File Your Tax Return Is a Misdemeanor and Should Not Be Taken Lightly

Most taxpayers file their tax returns on time, but sometimes they just stop filing altogether. Usually, this is due to a change in circumstances such as financial or emotional hardship.


Or, maybe they’ve misplaced the paperwork needed to file their return or were overwhelmed by the complexity of the new tax reform laws and just didn’t get around to filing this year. Whatever the reason, failing to take action only makes a bad situation worse. 


According to IRS estimates, more than one million taxpayers fail to file their tax returns in any given year. Whether you file as an individual, head of household, are self-employed or file a business or corporate tax return, if you’re one of them, we can help.


Here’s what we do for you:


- Reconstruct tax records if you’ve misplaced these documents

- Prepare and submit non-filed tax returns

- Negotiate with the IRS on your behalf

- Submit an offer in compromise to the IRS

- Arrange installment agreements with the IRS to pay back taxes owed

- Represent you throughout the tax preparation and collection process


Whether it’s been one year or ten since you stopped filing your tax returns, it’s not too late. If you don’t owe any tax, you might be due a refund. If you do owe tax, then you might be able to minimize the amount you owe.

Not paying your company's payroll taxes is tantamount to stealing your employees' money in the eyes of the IRS.

Failing to meet payroll tax payment and filing deadlines can result in much harsher consequences compared to other types of penalties. These penalties can rapidly escalate your outstanding tax liability.


The IRS takes an exceptionally aggressive stance when it comes to collecting payroll taxes. They may opt to confiscate your business assets, force closure, liquidate assets through auctions, and essentially shut down your operations rather than allowing further accumulation of unpaid payroll taxes.


If you find yourself falling behind on payroll taxes, it is crucial not to engage with the IRS independently. The way you respond to their initial inquiries can determine the fate of your business. It is of utmost importance to enlist the services of a professional representative who possesses a deep understanding of how the IRS functions.

When your taxes are not paid the IRS establishes a lien against all of your assets (especially real estate). This gives the IRS the legal right to collect taxes from the sale of your assets, which includes just about everything you own.

A lien can be imposed on either you, your spouse, or your company. If it's placed on your company, it could lead to the seizure of your accounts receivables. At this point, everything you own is at great risk of becoming the property of the United States Government.


Additionally, IRS-filed liens against you come with further repercussions. They prominently feature on your credit report and frequently obstruct your ability to open a checking account or secure loans using your assets, such as your home. Banks tend to steer clear of the added complications that arise when the IRS gets involved in collecting funds.


When a Federal Tax lien appears on your record, obtaining a reasonable loan, such as for a car purchase, becomes extremely challenging. Imagine having to deal with interest rates ranging from 18% to 22% on a car that is already expensive. Furthermore, buying or selling real estate becomes nearly impossible. The scope of these consequences is nearly boundless.

Levies are used to seize your wages and whatever other assets you have. If you own it, they can take it. That includes checking accounts, autos, stocks, bonds, boats, paychecks, and even Social Security checks!

Levies can have a profound impact and can severely disrupt your life. When the IRS resorts to levying, it's their way of grabbing your immediate attention. Essentially, they're saying that they've attempted to reach out to you without success. Picture waking up one day to discover that all your bank accounts have been drained, with every last cent taken. If this amount doesn't cover your outstanding tax debt, they'll keep extracting money until the debt is settled. They're well aware that seizing your bank account will result in bounced checks, alerting many individuals to your tax issues. However, their sole objective is to collect the taxes owed, without any other considerations.


As dire as this situation may be, an even more distressing method is wage garnishment. This is when a significant portion of your paycheck is diverted to the IRS, leaving you with inadequate funds to cover your bills, and this continues week after week until your debt is satisfied.


Should these measures fail to achieve their goal, the IRS will resort to drastic actions. They'll take possession of your assets and auction them off. This encompasses all your belongings, including your home, vehicles, boats, jewelry, motorcycles, insurance policies, retirement funds, and anything of significant value.


We frequently succeed in having these levies lifted and can help you navigate your way out of this daunting predicament. Our aim is to bring you to a point of financial equilibrium with the IRS, aligning your payments with what you can realistically afford, thereby enabling you to start afresh in your financial life.

As bad as that is, a worse method is a wage levy (or garnishment). That's when most of your pay check goes to the IRS, they don't leave you enough to pay the bills, and most of your check goes to the IRS each and every week until the debt is paid.


If that doesn't accomplish what they want, they'll pull out all the stops. They'll seize your assets, and sell them at auction. That includes everything you own; home, cars, boats, jewelry, motorcycles, insurance policies, retirement funds, anything of value.


We are often able to get those levies released and help you get out of this terrible situation. Our goal is to get you even with the IRS, with what you can afford, and let you start life anew.

A seizure is the taking of physical assets, such as your home or car. Seizures usually happen in aggravated cases when someone ignores many requests by the IRS over a long period of time to pay their outstanding taxes.

When the IRS takes possession of your assets, their primary goal is to promptly auction them off. Typically, they manage to fetch a price that's considerably less than half of the assets' actual value. Consequently, they tend to confiscate a wide range of your possessions, which can encompass your residence, vehicles, watercraft, valuable jewelry, motorcycles, insurance policies, and even your retirement savings.

Commercial Auto Insurance

A business-operated vehicle requires its own insurance policy, separate from personal car insurance, to ensure coverage for business-related items. If your business utilizes vehicles for regular or occasional operations, a commercial auto policy is not only essential but also mandatory.


Commercial General Liability Insurance (CGL)

A CGL policy provides coverage for bodily injury, property damage, personal injury, and advertising injury. This versatile policy serves as a convenient all-encompassing option for businesses, making it an ideal starting point for their liability insurance needs.


Commercial Property Insurance

A commercial property insurance policy can be likened to a business-oriented version of a home policy. It covers similar items, including fire, theft, and natural disasters that affect the business property. If your business has a physical location, it necessitates a property insurance policy.

Workers Compensation

Employees who sustain injuries while working can depend on workers' compensation to cover lost wages and medical costs. This essential coverage is typically mandated by employers and is often inclusive of temporary staff as well.

Business Owner Package (BOP)

Small business proprietors have the flexibility to address numerous requirements within a BOP policy, which typically encompasses coverage for vehicle, property damage, business income, property, bodily injury, as well as other fundamental insurance needs.


Entrepreneurs can conveniently evaluate quotes online through an independent agency. This advantageous option can result in time and cost savings, enabling owners to obtain quotes from multiple leading insurance companies simultaneously.