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Insurance

Travel Insurance

What is Travel Insurance?

Travel Insurance is insurance that is intended to cover medical expenses, financial default of travel suppliers, and other losses incurred while traveling, either within one's own country, or internationally.

Temporary travel insurance can usually be arranged at the time of the booking of a trip to cover exactly the duration of that trip, or a "multi-trip" policy can cover an unlimited number of trips within a set time frame. Coverage varies, and can be purchased to include higher risk items such as "winter sports".

Risks Covered by Travel Insurance Policies

The most common risks covered by travel insurance are:

  • Medical emergency (accident or sickness)

  • Emergency evacuation

  • Repatriation of remains

  • Return of a minor

  • Trip cancellation

  • Trip interruption

  • Visitor health insurance

  • Accidental death, injury or disablement benefit

  • Overseas funeral expenses

  • Lost, stolen or damaged baggage, personal effects or travel documents

  • Delayed baggage (and emergency replacement of essential items)

  • Flight connection was missed due to airline schedule

  • Travel delays due to weather

  • Hi-Jacking



Contact us to learn more about the right travel insurance coverage for you. 

 

 

Boat Insurance

What is Boatowners Insurance?

Boat insurance protects a boat, its owner, and passengers in the event of a loss. 
Boat insurance can include all motorized water vehicles including, but not limited to, fishing boats, pontoon boats, yachts, and jet skis.

Boating Insurance Coverages

  • Liability Coverage - pays for injuries and property damage to others as a result of a covered accident in which you are found to be legally liable. This may include pollution liability and wreckage removal depending on your policy.

  • Collision Coverage - pays for damages to your boat, motor, trolling motor, trailer along with the permanent and some portable boating equipment as a result of a covered accident with another boat or object.

  • Comprehensive Coverage - covers damages to your boat, motor, trolling motor, trailer and some permanent and portable boating equipment that are the result of events other than collision. For example, this can include damage from fire, theft or storms.

  • Uninsured or Underinsured Boater Coverage - Covers the insured for damages and bodily injury that you and any passenger of your boat sustain if injured in a covered accident involving an uninsured or underinsured boater and also in some cases a hit-and-run boater.

  • Medical Payments - Cover medical expenses for the treatment of injuries that are incurred by you or your boat passengers while operating or occupying your boat.

  • On-Water Towing and Labor Coverage - This coverage option pays for towing expenses and other emergency services up to pre-defined limits in the event your boat becomes disabled on the water.

  • Fishing Equipment Coverage - Specific coverage to help pay for damage to fishing equipment while on your insured boat or while being carried onto or off of your insured boat.

  • Personal Effects Coverage - pays replacement cost for damages or losses of your personal property while onboard or while being carried onto or off of your insured boat.

 

Contact us to learn more about the right boat insurance for you.

Event Insurance

What is Event Insurance?

Event Insurance covers the legal liability you or your company may hold from certain types of claims arising from accidents taking place during an event you host. 

Subject to the specific coverage terms, conditions and exclusions, it offers protection for the host / honoree for damage to the facility caused by a guest or vendor, bodily injury to guests they are found liable for, and alcohol-related accidents they are found liable for.

Do You Need Event Insurance?

No matter the size of your event or how well prepared you are, you never know when the worst-case scenario could become your reality. It's the small things that cause the most problems if you're not properly covered. So even the most basic coverage policy could prove to be a big help in the long run.

Contact us to learn more about the right insurance for your upcoming event.

 

Pet Insurance

Pet insurance provides accident and illness coverage for dogs and cats.