• kenburns1
    We Identify Risk
    What can we do to avoid costly Workers' Comp claims?
    How is our benefits plan helping to retain top performing employees?
    Our key piece of equipment will take six months to replace if destroyed. How can we prepare for this?
  • kenburns1
    Are my liability limits adequate for when our daughter gets her license?
    How will we pay for college if something happens to my husband?
    If our son gets sick, is specialized treatment in our health provider network?
    Do I have enough money set aside to retire?
    We Identify Risk
  • kenburns1
    We Identify Risk
    Who will buy our business when we retire?
    How are we going to replace our lost income if the building is damaged?
    Are we responsible if someone injures herself while walking through our parking lot?
  • kenburns1
    Am I covered if I have a manure, liquid nitrogen or pesticide/herbicide spill?
    Do I have coverage when I run my equipment on the road?
    How is my crop covered during harvest season?
    We have a gas well on our property, do I need coverage for underground pollution?
    Do I have coverage for hired workers?
    We Identify Risk

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Our proprietary risk assessment process helps clients identify their unique personal, financial, business, and strategic risks.

Who needs a Personal Umbrella?

You do not need to be wealthy to be sued for millions.  Juries determine damages based on the severity of an accident, not your ability to pay those damages.  Do you own or drive a vehicle?  Do you own or rent a home?  Do you want to protect the assets and investments that you worked hard to accumulate?  If you said yes to any of those, you need an umbrella.  The truth is EVERYONE needs an umbrella.

What is a Personal Umbrella?

Your auto, homeowner, boat or recreational vehicle policies do have limits to the amount of coverage they provide.  An...