AUTO INSURANCE

Owning and maintaining an automobile can be quite a financial commitment. In order to protect yourself and your car in the event of an accident, it is important to purchase auto insurance. Not only is auto insurance important for protection, it is required by law in South Carolina law. When buying your coverage, it is important to go over different types of policies with your agent to determine the best coverage for your needs. Auto insurance often combines several different types of insurance in one policy. The different types of coverage are bodily injury, property damage, collision, comprehensive, medical payments, personal injury or liability coverage, and uninsured motorist. Be sure to consult an insurance professional to see what policy will work best for your needs. For additional information, please consult our auto insurance professionals.

HEALTH INSURANCE

The soaring cost of medical care and the resulting pressure on health insurance premiums has become a top-priority for employers, employees, the federal government, and recipients of various government health insurance plans. A good health insurance plan can be the best employee benefit you receive because it can be extremely expensive. Adequate health insurance is critical because you could be easily devastated. The optimal, traditional, fee-for-service indemnity policy is divided into two basic plans. The basic plan reimburses you for your doctor's bills, drugs, outpatient surgical procedures and other medical expenses up to a certain limit. The second plan, called major medical, covers hospital visits and other major medical procedures. The basic plan, which may be offered directly by your employer or by an outside insurance company, usually requires deductibles of one hundred to one thousand dollars or more before your bills are reimbursed. If you must purchase a policy on your own, be sure that you can renew it, regardless of how many claims you make. For additional information, please consult our health insurance professionals.

LIFE INSURANCE

Life insurance policies are most useful for the beneficiary who will receive money after a policyholder's death. Therefore, this is one way of providing for your family's future financial security and protection. There are many forms of life insurance plans, and each differs in term, premium, and benefits. Some insurance policies will allow you to collect part or all of your coverage if you become terminally ill. Other policies will pay you installments once you reach a certain age. Also, some plans that offer tax advantages. Life insurance coverage is critical for those with spouses and children who depend on them financially. To find out what types of coverage and benefits are best for you and your family, consult our life insurance professionals.

BUSINESS INSURANCE

Having insurance for your business provides you with financial security in the event of an unforeseen occurrence such as fire, theft, or injury to an employee or customer. One way to protect your business from these occurrences is to develop an appropriate business insurance program. Business insurance also protects your employees and your investments in the building, as well as your equipment and inventory. In the event of a loss, your insurance protection helps to recover the loss and keep you in business. For more information about business insurance, consult our business insurance professionals.

HOMEOWNERS INSURANCE

For most people, the purchase of a house is the single biggest investment of their lives. Therefore, it makes sense to protect the investment and its contents. People are often surprised to find out the total value of their possessions. It is usually more than they might first expect. Homeowner's insurance generally protects against loss due to fire, theft, smoke, vandalism, and/or accidents for which the insured is responsible. Depending on the form of coverage you purchase, you could be protected for up to eighteen different perils recognized by the insurance industry. These would include virtually every disaster except floods, earthquakes and other natural disasters. Additional insurance can be purchased if you live in a high risk area for these disasters. If you are interested in protecting yourself and your family against property loss or damage with homeowner's insurance, consult our homeowner insurance professionals.

DISABILITY INSURANCE

It is important to understand how your insurance company defines a disability. How a disability is defined will determine the type of coverage you will want to purchase and the cost.  Some policies define disability as the inability to work at any profession. Other policies might gauge how much time you are able to devote to your current profession. Consult our insurance professionals to find out what types of disability insurance are available to you.