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We take pride in our consultative approach; at Martin & Harrill Insurance we take the time to understand your changing insurance needs, and will put a business insurance program in place that will deliver economy, superior protection, and risk management assistance.

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Personal Insurance (Auto and Home Insurance)

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Personal Package

One policy, one bill equals convenience and enhanced protection. We can combine your auto, home and other coverage in one comprehensive policy. We can start now with just your auto or home and 'package' the other coverage when your current policy expires.

Homeowner, Condo Owner, Renters Insurance

One little policy does a lot. A homeowner policy reimburses you for damage to your home from a variety of causes. If your home is totally destroyed or you cannot use it for a period of time, your homeowner policy will also cover that. The insurance extends to your home's contents and liability for damage to property of others or injury caused to someone by you or a family member. Your policy can be personalized to include greater levels of protection for important property, home office situations, liability for boat ownership and additions and alterations to your residence

Personal Auto Insurance

You need to protect yourself should your vehicle be damaged or stolen. Just as important, you need insurance for liability - property damage or injury to others caused by you and other household members as a result of operating a motor vehicle. Other policy features include medical payment reimbursement and reimbursement for injury caused to you by an uninsured or inadequately insured driver. There are many special situations where you may need to customize your policy; examples include installation of custom audio equipment, business use of your auto and teenage and guest drivers, to name a few.

Antique, Classic and Customized Automobile Insurance

Special autos come in all shapes, sizes and model years. We share you dedication to caring for and protecting your special vehicle. Let us help you care for your classic car by providing the policy that is right for it and you.

ATV Insurance

Insurance is not required for your ATV but there are several situations where liability protection you have under other policies may not apply. Some states require insurance for ATVs operated on state-owned land and your homeowner policy may not protect you if you ride off your property. ATV Insurance can fill in these gaps and will reimburse you if your ATV is stolen or badly damaged. ATV Insurance includes Liability, Medical Payments, Comprehensive and Collision coverage, much like an Auto Insurance Policy.

Boat Insurance

One policy includes protection against loss to your boat, motors, trailers and equipment and liability for property damage or physical injury to others caused by you or other boat operators.

Dwelling Fire Insurance

Dwelling Fire Insurance is designed to insure residences you own or have a financial interest in but do not live in. Common situations calling for this type of insurance coverage include rental homes, homes that are vacant because they are temporarily uninhabitable or are not currently occupied because of a transition caused by a sale or relocation. In these situations insurance protection is needed for the building but typically not for any contents. Liability insurance for the property can sometimes be added or may be handled through alternative approaches.

Flood Insurance

Even if your home or business is located away from water or is covered by a homeowner or business insurance policy, you may still need Flood Insurance. Groundwater flooding can cause damage to buildings on higher ground many miles from a body of water and over 20 percent of flood insurance claims originate from areas that are not considered to be high flood-risk. Homeowner and business insurance policies generally exclude flood and related losses because of the catastrophic nature of floods. Affordable flood insurance protection is available and is often an important component of a sound insurance program.

Home Business

More and more people are working from home or starting home-based businesses. A standard homeowner policy affords limited protection for property and liability risks arising from home business pursuits. We have a range of options and can pick the one that's right for your business no matter how small, new or established.

Identity Theft

Abduction of your personal information can result in financial loss ranging from a thief draining your bank accounts to new debt from fraudulently opened credit accounts. Protect yourself before you become a victim by taking necessary precautions and insuring potential loss.

Landlord Package Insurance

Landlord's face special risks that require special insurance protection. A few examples of losses or exposures that are covered in a Landlord Package Policy include: Loss of rent resulting from an insured loss; Buildings with one or several units; Varied residential or commercial occupancies; Legal liability resulting from the activities of tenants; and Uninsured or under-insured repairmen. Even though Landlord Package Insurance is primarily designed to protect you from loss to rental property it can, and should provide adequate insurance limits to protect your other assets from legal liability arising from rental activities. Even though renting residences to others is a business activity, many insurance companies will treat the renal of 4 or fewer units as a personal insurance matter.

Motorcycle Insurance

Motorcycles have a higher rate of fatal accidents than automobiles. United States Department of Transportation data for 2005 from the Fatality Analysis Reporting System show that for passenger cars, 18.62 fatal crashes occur per 100,000 registered vehicles. For motorcycles this figure is higher at 75.19 per 100,000 registered vehicles, four times higher than for cars. Source.

Motorcycle insurance covers most types of motorcycles including, cruisers, street sport, touring, high-performance bikes and scooters.

Personal Umbrella

Sometimes the coverage limits in our automobile and homeowner policies are not enough. Litigation today results in more and more jury awards for hundreds of thousands or millions of dollars. An umbrella provides extra protection of $1 million or more.

Recreational Vehicle Insurance

Your RV may be a motor home, travel trailer, fifth wheel or a camper. It's not a house and it's not a car and it needs special insurance protection so you can travel safely. We have products specially designed for the RV lifestyle.

Scheduled Personal Property

Many of us have possessions that are not adequately protected by a standard homeowner policy. Examples include jewelry, antiques, oriental carpets, art work, sports equipment, collectibles and firearms. Scheduling important possessions gives you adequate levels of protection, coverage against broader causes of loss and no deductible.

Wedding Insurance

Wedding costs today quickly climb into the tens of thousands of dollars. Unforeseen events resulting in the postponement or cancellation of a wedding, and last minute replacement of service providers can leave you with $10,000 or $20,000 in expenses and no wedding memories to show for it. Wedding Insurance gives you the peace of mind of knowing that, if wedding plans go awry, your wedding investment can stay protected.

Commercial Insurance (Business Insurance)

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Bonds

Bonds come in several different varieties to fit different needs and situations. In general, bonds are meant to guarantee that one individual or entity will perform according to the specifications of a contract, ordinance or other requirement. Common types are Surety Bonds, Contract Bonds, Judicial and Probate Bonds and License and Permit Bonds.

Builders Risk Insurance

Builders Risk Insurance is often used with a different term that describes what the insurance does - Course of Construction Insurance. Builders Risk Insurance covers a building, and typically all materials during construction. Protection can be extended for the work of individual contractors, architects and engineers. Optional coverage can often be added for costs not directly related to construction such as marketing, loss of income and delayed completion.

Business Auto Insurance

Maybe your business owns vehicles or maybe you rent or lease them. Maybe you or your employees use personal vehicles to conduct business. If so, you need Business Auto Insurance. A Business Auto Insurance Policy protects your business against injury to others and damage to property as a result of business use of vehicles.

Business Owners Policy

Think of it as homeowner insurance for your business. This type of policy is appropriate for many small and medium sized businesses. It conveniently includes many types of coverage like liability, building, business property and loss of income.

Commercial General Liability

Your business faces exposure to loss from legal liability from a number of sources. The CGL provides broad protection from risks arising from your premises and operations, independent contractors and product liability, to name a few.

Commercial Package Policy

A Commercial Package is a type of business package policy that bundles coverage together for several things including liability, property, boiler and machinery, crime and other optional coverage. The options available create flexibility that allow a Package to be customized for most kinds of business.

Commercial Property Insurance

This type of policy provides protection from loss, due to a variety of perils, to all kinds of business property including: building structures, furniture, inventory, equipment, and supplies, money and securities and business records. If you have a larger or more complex business you may need the flexibility of insuring your business property through a Commercial Property Policy.

Commercial Umbrella Insurance

Commercial Umbrella Insurance is sometimes used interchangeably with Excess Liability Insurance. The two are really different; an umbrella insurance policy will 'reach down' to provide coverage in gaps between other business insurance policies while a true excess insurance policy is intended to provide extra limits of insurance on top of coverage provided by other business insurance policies that are in place.

Contractors Bonds (Contractors Surety Bonds)

There are several types of Surety Bonds for contractors: Bid Bonds, Performance Bonds, Payment Bonds, License Bonds and Supply Bonds are a few. In general, surety bonds assure a project owner that they can rely on contractor performance, ability to make payments to certain other parties (sub-contractors, e.g.), good faith bid submissions and so on. The issuer of sureties, usually an insurance company subsidiary, investigates the abilities of a contractor and, in the event of a valid claim, will make reimbursement for non-performance according to the terms of the surety.

Information Needed for General Agreement of Indemnity:

Federal ID Number of each corporation
Full Name and Social Security Number of each stockholder and their spouses
Home Address of each stockholder and their spouses
Legal Name and Address of Corporation.
For Bid Bond Purposes - State(s) of Incorporation

Contractors Liability

Contractors have liability insurance needs unique to the building trade. We understand those needs and can find insurance protection to fit the budget of your business.

Crime Insurance

Businesses are exposed to many types of loss not always covered in other types of business insurance policies. Crime Insurance indemnifies your business from embezzlement or theft by employees, forgery, hacking (electronic theft), theft of cash or securities by someone other than an employee or damage to your building or property caused by a burglary.

Cyber Liability Insurance

Cyber Liability Insurance covers a range of loss exposures including damages due to loss or theft of client data, introducing a virus into another businesses' network, and email transmitted libel. Your business may not be a 'technology business', but if you use technology to run your business - like email, networks, and the web, you have Cyber Liability exposures. Risk posed by cyber exposures changes quickly, and traditional insurance policies often are designed to protect your business from this new threat to your financial welfare. Talk to us about ways we can identify and cover your business' cyber risks.

Directors and Officers Liability Insurance

D & O Insurance, as it is commonly called, is essential to attracting, retaining top business management talent. Lawsuits against a business and its management for negligent or wrongful acts can be brought by any number of constituents like shareholders, customers or regulatory bodies. D & O Insurance will fill in gaps in primary business liability insurance and will protect the personal assets of the directors and officers.

Employment Practices Liability Insurance (EPLI)

This kind of insurance provides insurance against liability for, as the name implies, employment practices. Protection, which will vary from policy to policy, covers a broad range of claims or lawsuits that might be brought by current or former employees or employment candidates. Just a few examples include sexual harassment, wrongful termination or discipline, wrongful failure to promote or hire, emotional distress, discrimination and invasion of privacy. Recent growth in employment practice litigation makes review of employment practices and insurance protection a necessity for most businesses today.

Farm and Ranch Insurance

Farm and ranch insurance can be tailored to protect the part-time gentleman farmer to the full scale agribusiness. Plans can include protection for your personal and business assets and legal liability insurance for both personal and farming pursuits. To get a proposal suited to your individual needs, complete our Farm Quote Request form or use the contact link below. And of course, you can always call or stop by to learn more.

Garagekeepers Legal Liability Insurance

General liability insurance policies, and even Garage Liability insurance policies are not intended to provide insurance protection for damage or loss to vehicles that have been left with your business (the legal wording: in your care, custody, or control). That's where Garagekeepers liability coverage comes in; it is meant to protect a business from negligence causing damage to a customer’s vehicle. Some businesses that commonly need Garagekeepers liability insurance include auto dealers and repair shops, parking lots, hotels and restaurants with valet parking services, and towing services.

Garagekeepers Liability

This is a comprehensive insurance product designed for businesses that sell, service, store or park road use vehicles. It includes liability insurance protection for damage to vehicles left in the care of the business. This protection extends to customer and non-customer vehicles. In addition, this type of insurance policy provides comprehensive liability for non-vehicle damages and injuries occurring on the business property.

Inland Marine Insurance

Insurance for a variety of property in land transit as well as instrumentalities of transportation such as bridges or tunnels would seem to fit the name, Inland Marine Insurance, and this kind of property is in fact insured by this class of insurance. But the policies in this category also provide coverage for property under construction, construction equipment, scheduled property like jewelry, furs, tools and more that move about or fluctuate in value as well as instrumentalities of communication like broadcast towers.

Landlord Package Insurance

Ocean Marine Insurance

A wide variety of 'ocean' risks can be protected by this policy form. Both inland and ocean going vessels and their cargo can be covered under Ocean Marine Insurance. Working boats and ships as well as pleasure craft and even offshore oil rigs fall under this category of protection. Coverage extends to vessels themselves as well as cargo and liability and can be purchased not only by the vessel or cargo owner but often by anyone with an interest in or responsibility for insurable property.

Professional Liability Insurance

Any professional in any field is expected to possess skills and knowledge resulting from specialized training and experience. When a client or customer believes you have not conducted yourself according the standards of your profession or that you have been negligent in some way you can be sued. Standard business liability policies do not cover these situations. To supplement general liability protection you may need a specialty coverage known as Professional Liability Insurance or sometimes Errors and Omissions Insurance.

Public Entity Programs

Cities, towns, counties, state and federal government entities face substantial risks that are unique. Fire and police departments, public recreation areas and equipment and road maintenance pose vastly different and challenging risk and insurance issues. We have the expertise and programs to find the right solution.

Trucking Insurance

A trucking operation may need insurance for Physical Damage to trucks and trailers, Primary Auto Liability - even on leased rigs, General Liability for property damage or personal injury when a truck is not involved, Non-Trucking Liability for drivers and trucks not under dispatch and Non-Owned Trailer Liability. We can handle it all.

$Workers\' Compensation Insurance$ Workers' Compensation Insurance

This type of insurance pays for medical and rehabilitation expenses for workers injured on the job. Lost wages are also covered. Each state governs the compensation details, including the amounts paid. This is often a mandatory type of insurance.

Individual Health & Financial Products

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Disability Insurance (Individual)

A study performed by the American Council of Life Insurers showed that a 35 year old is six times more likely to be disabled than die before they are 65. Disability policies can be tailored to supplement employer benefits, provide benefits to the self-insured, or to fund a business disability buy-sell agreement.

Financial Services

Financial products for individuals and families including life insurance, annuities, disability insurance, mutual funds and IRAs.

Fixed Annuities

Fixed Annuities are a type of insurance contract where an insurance company makes a series of guaranteed payments in exchange for a sum of money at the outset of the contract; some fixed annuities will provide for a payment plan over time to build up the annuity lump sum. This type of investment instrument can help stabilize investment income, defer taxes on investment earnings, and is often part of a financial strategy for retirees or those contemplating retirement. Because of the guaranteed income stream provided by the fixed annuity, the insurance company, rather than the insured (annuity owner), takes the investment risk.

Health Insurance (Individual)

Health Savings Account (HSA)

HSAs are savings instruments that you can use in conjunction with high deductible health insurance policies. HSAs are tax advantaged tools that allow you to invest money for the purpose of paying future medical expenses. Funds in HSAs accrue over time and let you control what medical expenses you will use the funds for and when. HSAs are completely portable and can help you cover high deductibles or expenses that your insurance policy won't cover.

International Travel and Medical Insurance

A significant number of US citizens traveling abroad experience health problems and need medical attention. Most domestic medical insurance programs do not provide adequate coverage outside of the US. International Travel Insurance can provide reimbursement for medical care, emergency medical evacuations, and gaps in coverage provided by domestic health insurance policies.

Life and Disability Insurance (Individual)

Life Insurance (Individual)

Life, Health and Disability (Individual)

Life insurance is an essential part of any financial program. A variety of policies and limits can be used to pay off a mortgage, cover future education expenses, fund a business buy-sell agreement and more. The type of policy and limits you need will depend on your financial goals.

Just as essential is disability insurance. A study performed by the American Council of Life Insurers showed that a 35 year old is six times more likely to be disabled than die before they are 65. Disability policies can be tailored to supplement employer benefits, provide benefits to the self-insured, or to fund a business disability buy-sell agreement.

There are more health plans than ever before and increasingly plans are finding ways to balance important financial protection from medical care costs with premium. Budgeting. Let us know what your unique needs are and we will find a program to fit your protection requirements and budget.

Long Term Care Insurance

America's population is aging and many of us may find our assets at risk as we struggle to pay the costs of daily living assistance during periods of serious illness or disability. These costs are not covered by traditional health policies or Medicare. For some, Long Term Care Insurance may be the best alternative.

Medical Insurance

Medical Insurance removes the risk of potentially catastrophic financial loss due to unexpected illness or injury. Apply online and get protection as soon as the next day.

Medical, Disability and Long Term Care

There are more health plans than ever before and increasingly plans are finding ways to balance important financial protection from medical care costs with premium. Budgeting. Let us know what your unique needs are and we will find a program to fit your protection requirements and budget.

Just as essential is disability insurance. A study performed by the American Council of Life Insurers showed that a 35 year old is six times more likely to be disabled than die before they are 65. Disability policies can be tailored to supplement employer benefits, provide benefits to the self-insured, or to fund a business disability buy-sell agreement.

America's population is aging means many of us may find our assets at risk as we struggle to pay the costs of daily living assistance during periods of serious illness or disability. These costs are not covered by traditional health policies or Medicare. For some, Long Term Care Insurance may be the best alternative.

Short Term Medical Insurance

Short Term Medical Insurance removes the risk of potentially catastrophic financial loss due to unexpected illness or injury. Apply online and get protection as soon as the next day.

Group Benefits

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401K and Retirement Plans

We'll help put a plan together for your company that provides high quality options and is at once easy for participants to understand. We'll help you make the most of your retirement program.

Employee Benefits

Comprehensive employee benefit plans for the business community including health insurance, disability insurance, long term care insurance, 401-K, dental insurance, life insurance, annuities, mutual funds, retirement plans, sec. 125.

Group Benefits

Life, health, disability, retirement plans...we have all the options you need to make sure your company's overall compensation plan helps attract and retain the employees you need to give your business a competitive edge.

Group Health Insurance

Health insurance is an important benefit for your employees. Having the right plan can give your business a competitive advantage as part of your overall compensation program. In fact, many people who would otherwise be qualified to run their own businesses may work for yours because of access to your benefits program. Let us help you find the best program for you.

Group Life Insurance

Life insurance is an important benefit for your employees. Having the right plan can give your business a competitive advantage as part of your overall compensation

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Martin & Harrill Insurance
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