Business Services
Business Owner Insurance
Business Owners Package policy, commonly called a “BOP” contains the insurance coverages needed by most small businesses.
General Contractor
Contractor’s General Liability insurance is for residential and commercial builders, general contractors, construction managers, design and build firms.
Workers’ Compensation
Workers’ Compensation Insurance can pay for three things when an em-ployee is injured at work: medical bills, recovery costs, and partial missed wages.
Surety Bonds
A surety bond is a contractual agreement between a project owner or business guaranteeing that the project will be completed or regulations will be followed.
Group Insurance Benefits
Heritage Insurance Brokers offers a complete line of insurance and group benefits for employers ranging from group health insurance to life and FSAs (Flexible Spending Accounts).
Artisan Insurance
If you’re a carpenter, plumber, electrician, mechanic, mason, or any other sort of skilled artisan contractor (you specialize in a certain craft), you probably qualify for artisan’s insurance.
Demolition Insurance
Demolition Insurance covers mainly liability exposures. However, demolition work is inherently seething with liability transfer to the contractor. Therefore, it is important to have the right liability coverage in place.
Restaurant Insurance
Today’s restaurant environment is more complex than ever and you want to know you’re covered for the unexpected occurrence with insurance specific to the unique needs of restaurants and bars.
Liquor Liability Insurance
Liquor Liability Insurance is designed to provide liability insurance protection for those businesses who manufacture, distribute, or sell liquor. You need liquor liability insurance if you sell liquor and your business is a:
Personal Line Services
Recreational Vehicle Insurance
Recreational vehicles and campers come in all sorts of shapes and sizes. If you travel with a luxury coach motor home, travel trailer, fifth wheel.
Vacant Property Insurance
Many of us will be asked to manage a vacant home at some time in our lives. There are many reasons.Many of us will be asked to manage a vacant home
Special Event Insurance
Whether you are planning a corporate event, holding a large rock concert, or organizing a local flower festival, you will need special event insurance to ensure.
Renters Insurance
Renters Insurance—coverage that will protect your personal property in your home and off premises. Renters insurance can be a surprisingly affordable policy that gives you the protection you need when the unexpected happens.
Landlord Insurance
As a landlord renting out your investment property, we know you’ve got a lot on your mind. Finding the right tenants, keeping up with repairs; the list goes on and on.
Dental & Vision Insurance
Dental insurance is designed to offer you coverage for common dental care issues and to help you budget for dental services at all levels, preventive, basic and major.
Auto Insurance
Auto insurance coverage has two parts. The first is the liability section of the policy. It covers your financial responsibility for injuring others. Some liability coverage is required by most states.
Home Insurance
If you have tangible assets, you need the protection of a homeowners insurance policy. These policies cover you in a home or an apartment, whether you are an owner or a renter.
Life & Health Insurance
Finding the right Life or Health Insurance products can be challenging in today’s insurance environment. Heritage Insurance Brokers offers a complete line of individual life insurance products.
Flood Insurance
Flood insurance policies cover physical damage to your property and possessions from floods or flood-related losses due to rising water in high risk areas. The federal government runs the National Flood.
Policy Review
Reviewing your policy is a process where you and your insurance agent go over any life changes that may require updating your policy. In fact, did you know that you can make many adjustments .
Financial Services
401K Rollovers
Going through a 401k rollover is something that many people will have to go through in their lifetimes. When you work for an employer with a 401k.
College Planning
Most young men and women begin attending college in their late teens, but preparing for the costs and academic challenges of higher education is a process.
Auto Insurance
Auto insurance coverage has two parts. The first is the liability section of the policy. It covers your financial responsibility for injuring others. Some liability coverage is required by most states.
The second part of auto insurance covers the car itself: comprehensive coverage reimburses losses from fire, theft or other perils; collision coverage pays to repair losses caused by an accident. Often this coverage is mandated by leasing companies or banks. There are also ancillary medical, car rental and other coverages which vary by state.
Utilizing high deductibles on the physical damage coverages can help reduce premiums. If you carry umbrella insurance, you must be sure that you carry the required amount of basic liability insurance to avoid a gap in coverage for a serious accident.
Heritage Insurance Brokers offers free comparative quotes on auto insurance from multiple insurance carriers so you can get the best possible rate.
Want to see how much we can save you? Just request a quote to find out.
Home Insurance
If you have tangible assets, you need the protection of a homeowners insurance policy.This type of coverage is available to someone who owns a house, townhouse or condo. Renters insurance is available to someone who is a renter of a house, townhouse or condo. A well-written homeowner’s policy will pay to replace any of your personal property that is destroyed in a fire or other disaster. The policy will also be your first line of defense against a lawsuit from someone injured at your home.
The cost of this coverage is determined by many rating factors. The quality of the coverage, however, is determined by the quality of the insurer and whether the policy is written on a named perils or all-risk basis. A named-perils policy covers only those losses specifically cited in the contract. The all-risk policy works the opposite way — unless a peril is specifically excluded, coverage is provided. The all-risk policy is broader and the burden of proof is on the carrier, not you, in the event of a loss.
Heritage Insurance Brokers offers free comparative quotes on auto insurance from multiple insurance carriers so you can get the best possible rate.
Want to see how much we can save you? Just request a quote to find out
Life Insurance
Finding the right Life or Health Insurance products can be challenging in today’s insurance environment. Heritage Insurance Brokers offers a complete line of individual health insurance products that are crafted to meet you and your family’s specific needs. We work with several different top-rated insurance companies, and will place your account with the company that will provide you with the coverage and benefits you want.
Heritage Insurance Brokers can help you make sound, informed decisions about issues affecting your health insurance needs. Our philosophy is to fully understand your objectives and then translate them into solutions that provide assurance and peace-of- mind.
For more Information, feel free to contact one of our licensed specialist today.
Financial Services – Retirement Services
401(K) plans are tax-deferred retirement savings plans for employees. The employer sets them up and each company has a slightly different 401(k). They are part of a family of retirement plans known as "defined contribution" plans – the amount contributed is defined by the employer or the employee.
When you join a 401(K) plan, you tell your employer how much money you want to contribute to your account. This amount is deducted from your salary before taxes are applied, so you pay less income tax. More importantly, the money is deducted even before you have received it, making it the easiest savings plan to contribute to. Your employer may match a portion of your contribution.
The money is invested by the plan administrator (on your behalf) in mutual funds, bonds, money market accounts, etc. You decide the mix of investments. They usually have a list of investment vehicles you can choose from as well as some guidelines for the level of risk you are willing to take. Since the plan is an incentive for retirement savings, there is one condition: if you withdraw the money before you are 59½ years old, you will have to pay tax as well as a 10% penalty fine to the IRS.
Heritage Insurance Brokers offers free comparative quotes on 401(k) retirement plans from multiple insurance carriers so you can get the best possible rate.
Want to see how much we can save you? Just request a quote to find out.
401K Rollovers
Going through a 401k rollover is something that many people will have to go through in their lifetimes. When you work for an employer with a 401k, the probability that you will work for them until the end of your career is not good. Chances are, when you move on to another job or become self-employed, you will have to do something with the money. If you simply terminate the 401k account, you will have to take a 10% early distribution penalty and pay income taxes on the money. Therefore, a 401k rollover makes a lot more sense financially. You can move your account to another 401k program or an IRA.
Heritage Insurance Brokers has specialist who can help you with your 401k Rollovers. Contact us today to find out what your options are.
College Planning
Most young men and women begin attending college in their late teens, but preparing for the costs and academic challenges of higher education is a process that should begin several years earlier. Parents can play a key role in their child’s future by recognizing all of the necessary steps for college readiness. Contact one of our College Planning specialist today so they can provide you with the assistance you need to put together a college plan that works.
Business Owner Insurance
Business Owners Package policy, commonly called a BOP contains many of the insurance coverages’ needed by most small businesses. While these policies are not standard, there are great variations from insurance company to insurance company as well certain common elements. The basic BOP offers business property for both building and contents, and liability insurance protection for the operation of your business. This liability protection will generally include both the operation of your business, at its established location, and the liability from your products or completed operations.
Some, but not all of the policies, will also offer business income and extra expense protection after an insured loss. BOP policies do not contain all of the coverages needed by a small business. Notably they do not cover any workers’ compensation, professional liability, or business vehicle coverage.
Heritage Insurance Brokers offers free comparative quotes on business owners package insurance from multiple insurance carriers so you can get the best possible rate.
Want to see how much we can save you? Just request a quote to find out.
General Contractor
Contractor’s General Liability insurance is for residential and commercial builders, general contractors, construction managers, design and build firms, specialty contractors or subcontractors, owners of public and/or private construction projects. We offer contractor policies for every type of project:
- Property
- Builders risk insurance and course of construction
- Liability Insurance
- General Liability Insurance
- Contractor Insurance
- Commercial Auto
- Umbrella
- Workers’ Compensation
- Railroad Protective
- Equipment Insurance
- Contractor Bond
Heritage Insurance Brokers offers free comparative quotes on Contractor General Liability Insurance from multiple insurance carriers so you can get the best possible rate. Want to see how much we can save you? Just request a quote to find out.
Workers’ Compensation Insurance
Workers’ Compensation Insurance can pay for three things when an employee is injured at work: medical bills, recovery costs, and partial missed wages. If an employee dies, Workers’ Compensation can cover funeral costs and benefits to the worker’s family. Depending on state laws and contract requirements, you may need this policy to cover employees, contractors, freelancers, or even yourself.
Workers’ Compensation (formerly “workmen’s comp”) emerged from a “grand bargain” between business owners and workers. Business owners were tired of being sued by injured workers. Workers were tired of being injured.
So Workers’ Compensation Insurance was designed to help pay for work injuries and illnesses without the rigmarole of a lawsuit. This liability insurance policy can help your business do three things:
- Pay for medical expenses and replacement wages when employees are injured at work.
- Comply with state Workers’ Compensation laws.
- Pay for legal expenses if an employee sues over a work injury the policy doesn’t cover.
Most states require employers to buy Workers’ Compensation Insurance as soon as they hire their first employee. Even when that’s not the case, it’s smart to have this policy, because the cost of workplace injuries is substantial:
Heritage Insurance Brokers offers free comparative quotes on Workers Compensation Insurance from multiple insurance carriers so you can get the best possible rate.
Want to see how much we can save you? Just request a quote to find out.
Recreational Vehicle Insurance
Recreational vehicles and campers come in all sorts of shapes and sizes. If you travel with a luxury coach motor home, travel trailer, fifth wheel, pop up camper, or camper van. Heritage Insurance Brokers offers free comparative quotes for Recreational Vehicle Insurance even if it’s the only policy you carry with us. We’ll help make sure you’re properly covered so the vacation road trip you’ve been dreaming about all winter doesn’t come with worry. We can offer personal advice on RV Insurance coverage that’s right for you and your home on the road.
Special Event Insurance
Whether you are planning a corporate event, holding a large rock concert, or organizing a local flower festival, you will need special event insurance to ensure that you are covered for unexpected occurrences that may spoil the success you and your company may receive when the big day arrives.
Sample List of Special Events:
Corporate Events, Company Meetings, Auto Shows, Concerts, Sporting Events, Proms, Dances, Dog Shows, Parades, Ethnic Celebrations, Horse Shows, Vendor Fair, or Farmers Market
Heritage Insurance Brokers offers free comparative quotes on special event insurance from multiple insurance carriers so you can get the best possible rate.
Want to see how much we can save you? Just request a quote to find out.
Surety Bonds
A surety bond is a contractual agreement between a project owner or business guaranteeing that the project will be completed or regulations will be followed. You may need a surety bond if you provide any of the following services, notary, landscaper, contractor or having a fiduciary responsibility.
Heritage Insurance Brokers can also help with bid bonds, wrecking, probate bonds, and many other types of bonds
Want more information on how we can help? Contact us today.
Group Insurance Benefits
Heritage Insurance Brokers offers a complete line of insurance and group benefits for employers ranging from group health insurance to life and FSAs.
Many businesses today face challenges in attracting and retaining top employees. As a business owner, you know the importance of employee benefits and their contribution to your business success.
Artisan Insurance
If you’re a carpenter, plumber, electrician, mechanic, mason, or any other sort of skilled artisan contractor (you specialize in a certain craft), you probably qualify for artisan’s insurance.
You may have heard of this type of insurance before as it’s sometimes referred to as contractor’s insurance. So if you’re an artisan or contractor asking yourself, “what is artisan’s insurance,” know that it is very similar to contractor’s insurance.
If you work in someone’s home, or work on a business’s property, there’s a certain amount of inherent risk involved. When people get hurt because of your craftsmanship, they’ll have to be compensated financially somehow. This means that they’ll come after you to pay for their medical expenses and/or damages.
If you are part of a group of different skilled artisans working on the same building or same large project and one of the other artisans makes a mistake that results in damage or injury guess what, all the artisans in the building could be held liable, not just the one who made the actual mistake. So, artisan’s insurance doesn’t just protect you from your own mistakes, it protects you from the mistakes that other artisans can render you liable for as well.
If you’re an artisan contractor the brutal fact is it only takes one mistake, one incident to ruin you financially and no one deserves that. Make sure you’re properly covered for that liability so one mistake doesn’t spell the end.
Heritage Insurance Brokers offers free comparative quotes on Electrician insurance from multiple insurance carriers so you can get the best possible rate.
Want to see how much we can save you? Just request a quote to find out
Demolition Insurance
Demolition Insurance covers mainly liability exposures. However, demolition work is inherently seething with liability transfer to the contractor. Therefore, it is important to have the right liability coverage in place.
Demolition insurance endorsements would often include:
- Additional Insured Coverage
- Waiver of Subrogation Coverage
- Primary & Non Contributory Wording Compliance
- Completed Operations Coverage for the Additional Insured
- No restrictions on height of project
- Excess Liability/Umbrella
- Pollution Liability
- No Subcontractors Limitations& Blanket Contractual Liability coverage
It is also important to ensure the contracts demolition contractors have in place are aligned with the demolition contractors insurance coverage afforded by the policies.
Heritage Insurance Brokers offers free comparative quotes on restaurant and bar insurance from multiple insurance carriers so you can get the best possible rate.
Want to see how much we can save you? Just request a quote to find out.
Renters Insurance
Renters insurance is coverage that will protect your personal property in your home and off premises. Renters insurance can be a surprisingly affordable policy that gives you the protection you need when the unexpected happens.
Heritage Insurance Broker offers free comparative quotes on Renters insurance from multiple insurance carriers so you can get the best possible rate.
Want to see how much we can save you? Just request a quote to find out.
Landlord Insurance
As a landlord renting out your investment property, we know you’ve got a lot on your mind. Finding the right tenants, keeping up with repairs; the list goes on and on. Here at Heritage Insurance Brokers we offer free comparative quotes on Landlord Insurance from multiple insurance carriers so you can get the best possible rate. We will help you get a landlord policy to protect your property and give you the peace of mind that comes with knowing that you are covered in the event of an unexpected loss.
Want to see how much we can save you? Just request a quote to find out.
Dental & Vision Insurance
Dental insurance is designed to offer you coverage for common dental care issues and to help you budget for dental services at all levels preventive, basic and major.
Vision insurance is designed to help you cover and budget for ongoing vision care expenses like routine eye exams, prescription glasses and contact lenses
Heritage Insurance Brokers offers free comparative quotes on Dental & Vision insurance from multiple insurance carriers so you can get the best possible rate.
Want to see how much we can save you? Just request a quote to find out.
Flood Insurance
Heritage Insurance Brokers offers free comparative quotes on Flood insurance from multiple insurance carriers so you can get the best possible rate.Want to see how much we can save you? Just request a quote to find out.
Call Heritage Insurance Brokers for a flood quote.
Policy Review
Because life changes continuously we find it important to our customers that we make this service available. Policy reviews are a practice that we at Heritage Insurance Brokers recommend that our insureds take advantage of annually. Life changes, such as a birth of a child, a major purchase or updates to a home are all examples of reasons you might want to make changes to your insurance. By regularly reviewing your policy, you can ensure that your needs are covered.
Heritage Insurance Brokers has specialist you can perform a Policy Review for you. Contact Us Today to schedule a Policy Review.