Life Insurance
- Variable Universal Life
- Term Life Insurance
- Whole Life Insurance
- Universal Lifer Insurance
- Group life Insurance
- Voluntary Payroll Deduction
Health Insurance
- Short Term Major Medical
- Individual Health Insurance
- Group Medical Health Insurance
- Self Insured Health Plans
- Cafeteria Plans
- Medicare Supplements
- Dental Insurance
Long-Term Care Insurance
WHY BUY A LONG-TERM CARE PLAN?
- Having freedom of choice
- Protecting assets
- Preserving financial independence
- Ensuring adequate income for spouse
- Avoiding having to rely on others
- Avoiding dependency on Medicaid
- Being able to afford needed health care services
Disability Insurance
- Individual Disability
- Group Disability for Employees
- Physicians / Medical Disability Insurance
- Small Business Owners
- Government Employees
Annuities
THE BENEFITS OF A FIXED ANNUITY:
- Liquidity
- Safety of principal
- Tax-deferred earnings
- Guaranteed rate for a specified period of time
- A guaranteed income you can't outlive
- Avoidance of the probate process
Business Insurance- Property & Casualty
General Liability
Commercial General Liability provides the insurance protection needed to pay damages for bodily injury or property damage for which the insured is legally responsible. Coverage is also provided for liability arising from personal injury, advertising injury, and medical expense.
Business Auto
The liability coverage of the commercial auto policy provides protection against legal liability arising out of the ownership, maintenance, or use of any automobile. The insuring agreement also states that in addition to the payment of damages for which the insured is legally liable, the insurer also agrees to defend the insured for all legal defense costs., subject to the policy limits.
Coverage is also available to pay for collision or comprehensive damage to vehicles owned by the insured. Collision coverage provides for loss arising from damage to an insured vehicle caused by collision with other vehicles or objects. Comprehensive coverage provides for physical damage other than collision to insured autos including theft, glass breakage, and damage by weather or vandalism.
Workers Compensation
The Workers Compensation coverage agreement obligates the insurer to pay all compensation and other benefits required of the insured by the Workers Compensation law or occupational disease law of any state listed on the policy. The coverage applies to bodily injury by accident and by disease.
State laws generally mandate that employers that employ two, and sometimes one person, in addition to any owner or partner, carry Workers Compensation coverage.
Umbrella Liability
Umbrella liability insurance provides excess liability coverage over several of the insured’s primary liability policies. Umbrella policies have three functions: 1). To provide additional limits above the occurrence limit of the insured’s primary policies. 2). To take the place of the primary insurance when primary aggregate limits are reduced or exhausted. 3). To provide broader coverage for some claims that would not be covered by the insured’s primary insurance policy.
Umbrella limits are generally available in limit ranges from $1,000,000 to $100,000,000.
Personal Insurance Coverages
Homeowners-
We can provide coverage for homes of any value, from $50,000 to $5,000,000 and up. Because we represent many different insurance carriers, we can choose the coverage that best fits your specific needs. We can respond quickly to provide you a policy with features including the following:Guaranteed Replacement Cost
Broadened Personal Property Coverage
Mysterious Disappearance Coverage
Renewal Discounts
Multi-Policy Discounts
We also provide Package Policies which include all of your required personal coverages on one policy, with one expiration date, one agent and one carrier.
Automobile
Everyone has different auto needs. Some families have high-valued, luxury cars. Others have youthful operators with less than perfect driving records. At BHC, we have the unique ability to market your auto coverage with numerous carriers to find the carrier that best suits your needs.
We can structure your program with different liability limits and deductible options. We also provide significant discounts, including:
Multi-Car Discount
Home/ Auto Credit
Good Student Discount
Driver Training Discount
- Renewal Discounts
Boat
Adequate boat liability and physical damage coverage has sometimes been overlooked by insureds. We have the ability to write coverage on any watercraft- from ski boats, to bass boats, to house boats and yachts- we can give you the assurance that you need on the waterways.
Boat coverage can also be integrated into our exclusive Personal Package policies so that you can add your boats to a single, comprehensive policy. Please inquire with our Personal Lines Customer Service Representative for a quote.
Recreational Vehicles
We can adequately insure almost any recreational vehicle that you can purchase, including all-terrain vehicles, motorcycles, snowmobiles, and mopeds. Rest assured knowing that no matter how hard you play- we’ve got you covered at BHC.
Personal Liability Umbrella
Personal umbrella policies give you and your family an extra layer of liability insurance and confidence to protect your assets litigation. Multi-million dollar judgments are becoming commonplace today, and one adequate insurance solution is the purchase of and umbrella policy.
Umbrella limits are readily available in increments of $1,000,000 to $10,000,000, and are usually extremely affordable. They provide excess liability coverage over and above your underlying limits, including:
Please inquire as to how you can provide this extra layer of protection to you and your family.
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