Homeowner The homeowner's policy protects your home and everything in it. We can help you find the best protection available for your home your personal property. We can advise you on your earthquake insurance options, as well as other coverage that you may need.

Apartment Packages Our package policy is designed especially for apartment and condominium buildings and complexes. The program is written with broad coverages and provides you with a wide variety of options necessary to meet the needs specific to apartments and condominium buildings. The policy contains clear, straightforward language so you know exactly what you are getting. We also can provide flexible billing to better meet your cash flow needs. Our policy is your single source for business, property and liability protection. It delivers the crucial coverages you require.

Business Package Our business insurance program is designed to give you maximum value for your insurance dollars. We zero in on the specialized concerns of businesses like yours. We build in key protection you need and eliminate coverages you can do without. Pricing is competitive. Above all else, when you have a claim you work with experienced professionals whose primary concern is getting you back to "business as usual" as quickly as possible.

Restaurants Whether you are the owner of a small coffee shop or large dinner house we have a specialty "restaurant program" designed especially to meet the needs of each individual risk. We not only offer property and livability coverage, but also crime, employee dishonesty, food spoilage, business interruption and numerous optional coverages.

Manufacturing/Industrial Risks Manufacturing and industrial risks are faced with unique insurance needs. We have companies that are able to meet those needs on a nationwide and even worldwide basis. Our programs not only provide traditional property and liability coverage but also include products, shipping and transportation necessary to manufacturing businesses.

Workers Compensation Workers Compensation Insurance is required coverage for any Employer with Employees. Let our team of experts review your current coverage to be sure your classification fits your current operations. With "open rating" and expert engineering we have been able to provide savings to Employers.

Technology Advances in technology have opened up new horizons for the software industry. No longer dependent solely on the printed word, software developers can now access video and movie clips excerpts of famous speeches, historic radio broadcast, concert footage and photographs to enhance their products. As a result, educational software is more inventive, interactive games are more fun, business tools are more compelling. A healthy competitive sprit is helping to fuel this metamorphosis, store shelves and catalogue pages are billed with more software products. Unfortunately, the new era of "multimedia" software development has also ushered in anew era in vulnerability-as the prospect of an innocent copyright infringement is more prevalent than ever before. We look forward to assisting you in obtaining a policy with "state of the art coverage" and cost effective to your firm.