INSURANCE SERVICES
At Brunswick Insurance Services Inc., we provide more than just insurance services—we also offer an assurance of stability. When you work with us, we have policies available for everything. For everything from your vehicle to your residence, medical or life insurance, and even your commercial interests, in case of an unfortunate circumstance or disaster, your most significant possessions are appropriately insured.
Business Insurance
As an entrepreneur, you are consistently making choices that foster growth and safeguard your business operations. Brunswick Insurance can assist in financially securing your business through suitable insurance plans.
Although many business owners’ policies are sold as package policies, they don’t include coverage for workers’ injuries, so workers' compensation insurance must be purchased as a separate policy. The adept team at Brunswick Insurance will collaboratively interact with you to modify your business coverage, resulting in a plan that accurately and effectively addresses your individual needs.
Each state has different laws governing the amount and duration of workers' compensation benefits. Call today to speak with one of our agents who can answer any questions you might have regarding workers' compensation or to provide a free price quote.
Commercial Auto
As a company proprietor, it’s imperative to secure motor vehicle insurance for all vehicles utilized in the scope of company operations.
Just like on a personal car you can have liability, comprehensive, collision, medical payments, and uninsured motorist coverage. The proficient team at Brunswick Insurance is qualified to assist you with obtaining appropriate insurance for your business vehicles. This is crucial so that in the event of an accident involving any of your business cars, you are well prepared, irrespective of who is at fault. Our agents will help you develop a commercial auto policy that is tailored specifically to you and your business needs. They will ask questions about the details of your vehicle usage, such as:
- Will the company cars be used for personal use also?
- How many vehicles does the business have?
- Who will be driving the company cars?
This information will help us determine the exact coverage you need so that you are fully covered, but not over insured and spending unnecessary money on insurance and coverage that is not needed.
Our agents aim to assist you in attaining complete and accurate coverage, navigating the complex nuances between business and personal auto policies, which can often only become clear at the time of a claim. Reach out today to converse with our team who can assist you with your business insurance needs. They can offer a costless estimate or respond to queries you may hold related to commercial auto policies
General Liability
Most business owners are aware of the fact that over the past decade, the chances of being sued have increased dramatically. A general liability insurance policy can help protect you from financial ruin in the event you face a legal suit against your business. A general liability policy can pay losses that arise from real or alleged bodily injury, property damage, or personal injury that happens on your business premises or arises from your business operations. General liability insurance can provide a broad range of protection, such as:
- Bodily Injury - Includes the cost of care, the loss of services, and the restitution for any death that results from injury.
- Property Damage - Provides coverage for the physical damage to the property of others or the loss of use of that property.
- Products-Completed Operations - Provides liability protection if an injury was a result of something your company made or a service that your company provided.
- Products Liability - Offers a unique form of insurance aimed at safeguarding your enterprise from legal disputes arising due to product-related harm or mishaps.
There are a wide variety of other coverages provided by general liability insurance such as: Contractual Liability; Reasonable Use of Force; Borrowed Equipment; Liquor Liability; Non-Owned Vehicles; Fire, Lightning, or Explosion Damage; Water Damage Liability Protection; Legal Defense Costs; Medical Payments; Personal Injury; Advertising Injury; and specialized liability protection for specific business types. The team at Brunswick Insurance possesses an in-depth understanding of general liability insurance and will collaborate with you to construct a business insurance policy tailored to fit your unique business insurance requirements. Call us today for a free quote!
Workers Compensation
Health Insurance
Brunswick Insurance has partnered with a number of insurance providers so that we can offer a variety of health insurance plans. We are sure to find a plan that works for you! For health insurance, we offer both Fee-For-Service plans and Managed Care plans. Visit our insurance team today and we can assist in identifying a suitable health care plan for your needs!
In addition to health insurance, Brunswick Insurance offers Long-Term Care Insurance. Long-term care insurance helps to pay for the costs associated with long-term care. The costs of long-term care are not typically covered by health insurance, Medicare, or Medicaid. Long-term care insurance helps to cover that gap. An individual typically qualifies for long-term care if they need assistance with two of these six activities of daily living; dressing, bathing, eating, toileting, continence, walking, or transferring (getting into/out of bed or a chair). Long-term care insurance not only covers assistance provided in a nursing home, but also home care, assisted living, adult day care, respite care, hospice care, or Alzheimer’s facilities. It can also provide home modification in order to accommodate disabilities. While long-term care can be needed at any age due to an injury, it is most often required as you age. If you are over the age of 45, it can be a good idea to add long-term care to your insurance coverage. Call today to speak to one of our agents and get a price quote on long-term care insurance.
Another coverage related to health insurance that Brunswick Insurance offers is disability insurance. We have both Short-Term Disability (STD) and Long-Term Disability (LTD) policies available. STD policies have a waiting period of 0 to 14 days and a maximum benefit period of no longer than two years. LTD policies have a waiting period that can be several weeks or months with a maximum benefit period that can range from a few years up to the rest of your life.
When purchasing a disability policy there are several options you can consider adding to the traditional disability policy. By incorporating these optional provisions, our insurance representatives at Brunswick Insurance are capable of assisting you in adjusting a disability policy to suit your specific circumstances and the areas you wish to have coverage for. Contact us today to discuss the various choices that disability insurance offers and receive a cost estimate at no charge!
- Additional Purchase Options - Provides you with the right to buy additional insurance at a later time, for an additional cost.
- Coordination of Benefits -The amount of benefits you receive from your insurance company is dependent on other benefits you receive because of your disability. Your policy specifies a target amount you will receive from all the policies combined, so this specific policy would make up the difference not paid by other policies.
- Cost of Living Adjustment (COLA) - The COLA increases your disability benefits over time based on the increase of the cost of living.
- Residual or Partial Disability Rider - This provision allows you to return to work part-time, collect part of your salary, and receive a partial disability payment if you are partially disabled.
- Return of Premium - This provision allows you to receive a refund for a portion of your premium if no claims are made during the time period laid out in the policy.
- Waiver of Premium Provision - This clause provides that you will not pay monthly premiums on the policy after you’re disabled for 90 days.
Life Insurance
Brunswick Insurance offers both of the main categories of life insurance: term insurance and permanent (or whole life) insurance.
Term insurance provides protection for a specific period of time; the term might be 20 or 30 years, and pays out the benefit if the insured were to die during the term. This insurance provides coverage to meet a temporary need. You might decide that you only need life insurance while you build up your savings, until your mortgage is paid off, or maybe until your children graduate college. At the end of the term, if you decide you still want life insurance, you would purchase a completely new policy that might have a different term length, payout amount, or monthly premium.
Permanent, or whole, life insurance provides protection that lasts for the rest of your life with no change to the monthly premiums or need to renew the policy, which could change the terms of the contract. Permanent life insurance can also accumulate a cash value. Depending on the specifics with your permanent life insurance policy, you may be able to borrow against the cash value of your policy, or surrender your policy and get the current cash value of your policy.
Determining the most suitable life insurance policy for your needs can sometimes pose a challenge. Yet, the seasoned team at Brunswick Insurance Agency stands ready to pair your unique situation and financial aspirations with a life insurance policy designed to meet your specific needs and wants. Call us today for a free price quote!
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