CALL US TODAY · 910-754-8672
Insurance Services
INSURANCE SERVICES
Brunswick Insurance Services Inc. offers more than just insurance, we offer peace of mind. When you work with us, we have policies available for everything. From your car to your home, health or life insurance, or even your business, you can rest assured that in the event that a misfortune or tragedy strikes, your most important assets are properly insured.
Business Insurance
As a business owner you are making daily decisions to protect and further your company. Brunswick Insurance can help with the decision of how to financially protect your company by providing you with the proper insurance coverage.
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 business insurance experts at Brunswick Insurance will work with you to ensure we tailor your business coverage so that you are fully, and properly, covered.
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 business owner you will need auto insurance for any business vehicles. Just like on a personal car you can have liability, comprehensive, collision, medical payments, and uninsured motorist coverage. No matter how your business cars are used, the expert insurance agents at Brunswick Insurance will help ensure you have proper coverage in the event a business, or company, car is involved in an accident, regardless 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.
While a business auto policy provides coverage that is similar to a personal auto policy, there are many technical differences that may not be apparent until a claim is filed, our agents will ensure that you are fully and properly covered! Call today to speak with our business insurance experts, they can provide a free price quote or answer any questions you may have about 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 - Provides a more specialized coverage that protects your business against lawsuits from product-related injury or accidents.
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 insurance experts at Brunswick Insurance are well versed in general liability insurance and will work with you to create a business insurance policy that is specific for you and your business insurance needs.
Call us today for a free quote!
Workers Compensation
Workers' compensation laws were created to provide some protection for employees. If an employee is injured on the job, they are provided with fixed monetary awards. This helps reduce the instances of litigation and also helps to control the financial risk for employers because many states limit the amount an injured employee can recover from an employer. Workers' compensation insurance provides insurance to help companies pay these benefits. Workers' compensation coverage is required in most states, if your business has employees. Workers' compensation not only provides medical care in the event of a workplace accident, but also compensation for lost income to employees injured at work, rehabilitation services, work-related illnesses, and in the event of death provides death benefits to surviving spouses and dependents.
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. Come see one of our insurance specialists today and we will help you determine and find the health care plan that works best for you!
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 adding these options provisions, the insurance agents at Brunswick Insurance can help you tailor a disability policy that is custom for you and the situations you want to make sure are covered. Call us today to speak with an expert on all the different options available with disability insurance and receive a free price quote!
- 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.
It can be hard to determine which type of life insurance policy will be best for you, but our life insurance experts at Brunswick Insurance Agency are here to match you and your unique circumstances and financial goals with a life insurance policy so that you get the exact coverage you want and need.
Call us today for a free price quote!
