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)
Repatriation of remains
Return of a minor
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
Contact us to learn more about the right travel insurance coverage for you.
What is Boatowners Insurance?
Boat insurance protects a boat’s owner and its passengers in the event of a loss. Boat insurance can include any type of motorized water vehicle such as, but not limited to fishing boats, pontoon boats, yachts, or 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.
What is Event Insurance?
Event insurance can cover legal liability from accidents at your events. These policies vary based on how much you want to insure, who is covered, and what kind of claims are allowed. Subject to the specific coverage terms, conditions and exclusions it can protect hosts/honorees against damages done by vendors or guests (including bodily injury), and alcohol-related accidents too.
Do You Need Event Insurance?
No matter the size of your event or how well prepared you are, it’s the smallest mistakes that can lead to the biggest problem. Always make sure you’re properly covered by making sure you’ve got basic coverage policies set up. You don’t want anything bad happening because of something so easily preventable.
Contact us to learn more about the right insurance for your upcoming event.
Pet insurance provides protection from accidents and illnesses for both dogs and cats.