Insurance is a financial agreement where an insurer provides protection against specified risks in exchange for premiums. You need insurance for financial protection, risk management, legal compliance, peace of mind, and asset protection. 

Using an insurance brokerage offers access to multiple options, expert advice, and objective recommendations. It saves time, provides claims assistance, and ensures tailored coverage.

A deductible is the initial sum the insured must pay before the insurance company covers costs. It is a way of sharing the cost between the insured and the insurance companies, discourages small claims, and a higher deductible can potentially lower the insured’s premium.

For auto insurance, the deductible is paid by the insured if they are found at fault in the accident. In property insurance, the insured pays the deductible for each claim filed. 

If you need to file a claim, you may speak to one of our advisors who can assist you through the process. Once the claim is reported, you will settle the claim with an assigned adjuster at the insurance company. An adjuster is a trained professional employed by the insurance company who investigates and assesses the validity and extent of a claim. They work to ensure fair and accurate settlements between the policyholder and the insurer.