Life is unpredictable. Have you recently been married, had a child, changed jobs, purchased a new automobile, or relocated? Most people don’t think about checking to see if their insurance coverage is still adequate. As a result, you are most likely underinsured or paying too much in premiums.
We provide personal and commercial insurance coverage solutions for small businesses and individuals as a full-service independent insurance firm.
We have been providing a wide range of life insurance, auto and boat insurance, property insurance, and commercial and travel insurance since 2007. An independent agency is a type of insurance agency that sells insurance products from multiple insurance companies rather than just one. In order to facilitate a transaction, the independent agency operates as a middleman between insurance buyers and sellers.
Get the best coverage at the cheapest price. Insurance Cleveland is your one-stop shop for ensuring the safety of you, your loved ones, and your valuables at all times, with a variety of coverage options and bundle opportunities.
Insurance Cleveland has access to over 20 different insurance carriers and will make sure you are informed of all viable options to keep you covered. With access to a big percentage of the insurance market and several options from multiple carriers, our independent agents are able to satisfy each client’s unique and specific needs. We collaborate closely with our clients and take pride in our ability to give them with the exceptional service, high quality, and variety that they deserve.
Personal Insurance
Personal Insurance is divided into various subcategories to protect you and your loved ones, your home, automobiles, rental property, and other precious things.
What Does Personal Insurance Cover?
Insurance Cleveland provides Personal Insurance to protect everything you’ve worked hard for. The wide range of insurance products available assures that you and your loved ones can maintain the standard of living that you desire. Personal Insurance comprises all insurance products available to cover your personal assets, such as your automobile, home, personal items, activities you participate in, or various variations within these categories. Some Personal Insurance policies are required by law, while others are not. Many Personal Insurance policies protect you from having to pay out of pocket for accidents, illness, or property damage in exchange for a monthly or annual payment, while a few require you to pay out of pocket and file a claim.
Other Personal Insurance Policies
Insure and cover all of your valuables. Whether you’re on the road, on the lake, or at home, you can be assured that you and your things are protected. Insurance Cleveland has you covered with several coverage options and the flexibility to get quotes from multiple firms.
Auto Insurance
Auto insurance protects you from financial loss in the event of an accident. Buckle up and stay safe with dependable auto insurance.
Auto Insurance That Meets Your Specific Requirements
Auto Coverage Options
Auto insurance protects you from financial loss in the event of an accident. It is a legal agreement between you and the insurance company. You agree to pay the premium, and the insurance company agrees to compensate your damages in accordance with the terms of your policy.
Property, liability, and medical coverage are all included in auto insurance:
- Property coverage protects you if your car is damaged or stolen.
- Liability coverage compensates you for your legal liability to others for bodily harm or property damage.
- Medical coverage compensates for injuries, rehabilitation, and, in some cases, lost wages and burial expenses.
A car insurance policy includes six main types of coverage. Most states require you to purchase some, but not all, of these insurance policies. If you are financing a car, your lender may have additional requirements. Most car insurance policies last six months to a year. When it’s time to renew your policy and pay your payment, your insurance provider should send you a letter.
Homeowners Insurance That Fits Your Needs
Homeowners Insurance Coverage & Options
Homeowners insurance protects you financially in the event of a tragedy. A conventional coverage protects both the house and the contents.
A package coverage for homeowners insurance is available. This implies that it covers both property damage and your liability or legal obligation for any injuries or property damage caused by you or members of your family to others. This includes harm caused by pets in the home.
Most disasters are covered, although there are some exceptions. The most significant are floods, earthquakes, and bad maintenance. Flood and earthquake coverage must be purchased separately. Maintenance issues are the responsibility of the homeowners.
Umbrella Insurance
Make sure you’re completely covered and ready to handle claims that exceed the limits of your homeowners or vehicle insurance. Extra liability coverage will protect you, your loved ones, and your valuables.
Umbrella Insurance to Meet Your Specific Requirements
Coverage Options
Umbrella insurance alternatives from various companies extend beyond the limits of standard insurance coverage. Umbrella insurance covers losses that exceed the limits of an underlying policy or policies, such as homes or auto insurance. While it applies to losses in excess of the underlying policies’ dollar limits, the terms of coverage are occasionally broader than those of the underlying policies. With umbrella insurance, you may choose the liability limit that best protects your assets.
Wedding Insurance
Make sure you have adequate coverage in advance of one of the most important days of your life. You’ve spent a significant amount of time and money arranging for the big day, and you deserve to ensure that it all pays off.
Wedding Insurance That Fits Your Needs
Coverage Options
When something goes wrong at a wedding, wedding insurance might help set things right. You’ve always wanted to organise the perfect wedding, but no matter how meticulously you plan it, many things can go wrong—things beyond your control.
What if your reception venue goes out of business a month before your wedding, causing you to forfeit your deposit and have to locate a new site?… Or is your wedding postponed due to a hurricane? … What if your bridal boutique goes out of business, leaving you without a gown?… Wedding insurance coverage can cover a wide range of scenarios.
Life & Health Insurance
Life and health insurance are designed to protect the well-being of you and your family. Make certain that you and your loved ones are covered.
What Does Life & Health Insurance Cover?
Insurance Cleveland provides Personal Insurance to protect everything you’ve worked hard for. The wide range of insurance products available assures that you and your loved ones can maintain the standard of living that you desire. Personal Insurance comprises all insurance products available to cover your personal assets, such as your automobile, home, personal items, activities you participate in, or various variations within these categories. Some Personal Insurance policies are required by law, while others are not. Many Personal Insurance policies protect you from having to pay out of pocket for accidents, illness, or property damage in exchange for a monthly or annual payment, while a few require you to pay out of pocket and file a claim.
Term Insurance
Term insurance is a low-cost approach to obtain life insurance for a set period of time. Term insurance might provide financial help to your family and loved ones if you die.
Term Insurance That Fits Your Needs
Coverage Options
Term insurance is the most basic type of life insurance because it is both inexpensive and transitory. It only pays if death happens during the policy’s term, which is usually between five and forty years. If you die during the term, your beneficiaries (the persons or organisations you choose to receive the proceeds of your life insurance) will get a check for the amount of coverage you selected. The coverage amounts for term life insurance often range from $50,000 to millions of dollars. Most term policies do not provide any extra benefits.
Term life insurance plans are classified into two types: level term and decreasing term.
The term “level term” refers to the fact that the death benefit remains constant throughout the policy’s duration. Decreasing term means that the death benefit decreases throughout the duration of the policy’s term, usually in one-year increments.
Whole Life Insurance
Ensure your death benefit without a time frame. Whole Life insurance protects your loved ones for a lifetime.
Whole Life Insurance That Fits Your Needs
Coverage Options
Whole life insurance, often known as permanent insurance, provides a death benefit whenever you die, even if you live to be 100. It is the most frequent and least complicated sort of permanent life insurance, and it will remain in effect regardless of your condition. Premiums are set and will not change. Whole life insurance includes a savings component that accumulates monetary value in addition to lifelong coverage.
Traditional whole life, universal life, and variable universal life are the three basic types of whole life insurance, with variants within each.
Traditional whole life insurance is the most prevalent type of permanent insurance coverage, in which you agree to pay a certain sum in premiums on a regular basis in exchange for a predetermined death benefit. Along with the death benefit, you will receive a savings account that will grow based on dividends paid to you by the corporation.
Universal/Adjustable Life is more adaptable than traditional life. Passing a medical exam may allow you to raise your death benefit, and the savings vehicle normally earns a money market rate of interest.
Variable Universal life combines the risks and rewards of investments with changeable premiums and death benefits.
Fixed Annuities
Fixed annuities are meant to earn a guaranteed interest rate and can provide a lifetime income source. Begin planning your retirement income today.
Fixed Annuities Insurance That Fits Your Needs
Coverage Options
For a set length of time, a fixed annuity ensures a fixed interest rate on the buyer’s contributions to the annuity. These are the most basic and plain annuities, providing the most regular and stable income stream with the lowest expenses.
During the savings period of a delayed annuity, a minimum rate of interest is guaranteed. During the payout phase, a predetermined amount of revenue is guaranteed and paid on a regular basis.
Individual & Group Health Insurance
Nothing is more essential than the health of you and your family. Get coverage for yourself, either on your own or via your job.
What Does Life & Health Insurance Cover?
Insurance Cleveland provides Personal Insurance to protect everything you’ve worked hard for. The wide range of insurance products available assures that you and your loved ones can maintain the standard of living that you desire. Personal Insurance comprises all insurance products available to cover your personal assets, such as your automobile, home, personal items, activities you participate in, or various variations within these categories. Some Personal Insurance policies are required by law, while others are not. Many Personal Insurance policies protect you from having to pay out of pocket for accidents, illness, or property damage in exchange for a monthly or annual payment, while a few require you to pay out of pocket and file a claim.
Individual & Group Health Insurance That Fits Your Needs
Coverage Options
Health insurance pays for medical expenses incurred as a result of an accident or illness, regardless of responsibility. Find the best health insurance plan for you and your family, whether it’s individual or group coverage.
An employer or an association provides group coverage to its members’ employees.
Individual coverage is purchased for oneself rather than through an employer or an association (and your family).
Commercial Insurance
Commercial Insurance is divided into various subcategories that cover your company, its location, its assets, you, and your staff.
What Does Commercial Insurance Cover?
Commercial insurance in Cleveland protects businesses, business owners, and their employees against risk. Because we offer a wide range of commercial insurance plans, we can tailor each coverage to ensure that every area of your organisation is insured. We understand that no two businesses are alike, with unique needs and situations, which is why we provide a variety of policies in a variety of formats.
Commercial insurance is intended to safeguard enterprises from dangers that could jeopardise their success. Commercial insurance, unlike personal insurance, can cover several stakeholders and employees. It also has significantly greater coverage limitations because there is often more tangible property at stake.
Property Insurance
You work hard for your company every day; make sure it is safe from the unexpected. Accidents happen; make sure you’re properly covered.
Property Insurance That Fits Your Needs
Coverage Options
Every business need commercial property insurance. It safeguards your structure and its contents, as well as outside fittings, against fire, explosions, burst pipes, storms, theft, and vandalism.
Commercial property insurance protects your business’s premises and its office equipment, whether it is owned or leased. This coverage will also cover your company’s financial records and other vital papers, inventories, manufacturing or processing equipment, and outside objects.
Commercial Flood Insurance
If you’ve invested money into your business’ equipment or building, ensure it stays protected in case of a flood.
What You Get With Our Flood Insurance
Premium Coverage
Flooding can occur everywhere due to factors such as excessive rain, melting snow, harsh coastal weather, and so on. Commercial Flood Insurance protects your business’s physical location as well as its contents in the event of flood damage.
The National Flood Insurance Program (NFIP) advises flood insurance to everyone, especially those who live in flood-prone areas, and we agree. Flood insurance is provided by the federal government through the National Flood Insurance Program, but it is only offered by licenced insurance brokers.
Business Owner’s Insurance
Protect your company, your workplace, and the business processes you carry out.
Business Owners Insurance That Fits Your Needs
Coverage Options
Insurance firms that market business insurance provide plans that cover all key property and liability risks in a single bundle. (They also sell individual coverages.) The business owners policy is one package acquired by small and medium-sized firms (BOP). Package plans are designed for organisations that face the same type and degree of risk. Larger corporations may acquire a commercial package coverage or tailor their plans to match the unique risks they face.
BOPs are as follows:
Property insurance for the company’s buildings and contents — there are two types, basic and special, which give more extensive coverage.
Business interruption insurance protects against income loss caused by a fire or other disaster that disrupts business operations. It may also involve the additional cost of operating from a temporary location.
Liability insurance covers your company’s legal liability for any harm it may do to others. This harm is caused by things you and your employees do or fail to perform in your business operations that may result in personal injury or property damage due to defective products, faulty installations, or faults in services offered.
Professional liability, auto insurance, worker’s compensation, and health and disability insurance are not covered by BOPs. Separate insurance plans are required to cover professional services, vehicles, and personnel.
Agribusiness Insurance
Get coverage for your entire company. Agribusiness insurance will safeguard your business from the unexpected, from equipment to animals to your home.
Agribusiness Insurance That Fits Your Needs
Coverage Options
Agribusiness insurance protects farms, ranches, wineries, and other big commercial growers against property and liability risks. This can include policies for farm and ranch owners as well as policies for equipment breakdown. It does not, however, cover worker’s compensation claims.
