Premier Insurance Agency
We understand that determining what type of insurance coverage that you need can be a very time-consuming process. Premier Insurance Agency has well-trained agents who will sit down, explain your coverage and answer any questions that you may have. We are able to provide you with a variety of insurance products at competitive prices and will work with you to find the insurance coverage that best meets your needs.
This coverage has two parts. The first is the liability section of the policy. It covers your financial responsibility for injuring others. Minimum levels of liability coverage are required by law in most states.
The second part 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 type of coverage is mandated by leasing companies or banks. There are also medical, car rental, property and other coverages available.
Homeowners and Renters Insurance
For many people, their home is their most valuable asset. If you have tangible assets, you should have the protection of a homeowners policy. These policies cover you in a home or an apartment, whether you are an owner or a renter. A well-written homeowners 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.
Business Owners 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 is great variation from insurance company to insurance company; there are 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 and the liability from your products and 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. These types of coverage are available under its own separate policy.
Crop & Farm Insurance
Farm liability coverage covers you for damages because of bodily injury or property damage up to your policy limits. With the way farming has changed over the years we have coverage that is specific to your operations.
Crop Insurance Agents:
Life and Health Insurance
Life and health insurance are available for those unfortunate illnesses and deaths. Choosing the right policy can be a difficult and confusing procedure. A life insurance policy can give you and your family the peace of mind that they will be financially covered in the event of a loss. A life insurance policy should be properly planned to cover any debts, funeral costs and loss of income that family members may encounter.
Having the right health insurance to fit your budget can save you from a catastrophic financial loss in the event of an illness. Individual health insurance plans are available for those that can not obtain coverage through their employer.
Contact Premier Insurance Agency at (712) 726-3600 in Doon or (605) 934-2500 in Alcester.