Real Estate Professionals

As a real estate broker or agent, your buyers depend upon you to guide them to an agency who can help them with their insurance needs. We can assist you whether your client is purchasing a commercial or residential property.

Founded by a former Realtor, you can count Diana Giron and her team of insurance specialists to provide you with the best products available. We also offer a variety of quality products to protect your business as well. Take a look below, and if you have any questions about our services or a specific insurance, please feel free to give us a call. We’re here to help.

INSURANCE PRODUCTS FOR YOUR BUSINESS

GENERAL LIABILITY

General liability insurance helps protect a company’s assets in cases where bodily injury or property damages result from an unforeseen incident. It covers areas of liability that concern a business’ property, operations and products. Property protections cover any accidents or injuries that take place on a company’s property. Product protections cover any damages or injuries caused by a product design or malfunction. General liability insurance also covers any legal costs associated with a liability claim. These costs may include lawyer fees, court expenses as well as any loss of earnings that result from having to make court appearances.

PROFESSIONAL LIABILITY INSURANCE

More commonly referred to as Errors & Omissions (E&O), but also referred to as professional indemnity insurance (PII), Professional Liability Insurance will protect you if you or your company provides professional advice or provides a service. Its purpose is to protect you from bearing the full cost of defense against a negligent claim made by a client and any damages awarded such as a civil lawsuit. Depending on your coverage, Professional Liability Insurance may also provide for defense costs, including when legal action turns out to be groundless. This coverage does not include criminal prosecution or a wide range of potential liabilities under civil law which may be subject to other forms of insurance. E&O Insurance is a requirement for certain professionals and other areas of expertise (i.e. medical, legal, real estate, attorneys, doctors).

CONTENTS COVERAGE

Whether you are leasing an office space or you own your building, Contents Coverage provides protection for the contents of your office from office equipment, furniture and electronics to computers and software. Additional coverages may apply.

VALUABLE PAPERS COVERAGE

Valuable papers insurance provides coverage in the event that the vital records which are kept in your office are damaged or destroyed, due to fire, water damage and/or other circumstances. This coverage pays for the loss of vital papers and the cost to replace the records up to the limit of the insurance and after application of any deductible. The types of records covered may include a variety of documents including client records, drawings, abstracts, deeds, mortgages and manuscripts, contracts, books, maps, etc.

EMPLOYEE DISHONESTY

An Employee Dishonesty policy covers the loss of money or products due to the fraudulent or dishonest conduct of one of your employees for their own personal gain or someone else’s. Depending on your policy, this type of coverage may offer a variety of benefits including Unidentifiable Employee, which covers a loss even if you are unable to identify the specific employee.

WORKERS COMPENSATION

Most states (with a few important exceptions) essentially require employers to purchase an insurance policy to handle their statutory obligations to workers who are injured or made ill due to a workplace exposure. Whether your business is small or large, handling the expense and effort of meeting those statutory obligations is an ever-present challenge. We can help you take care of these needs.

BOND INSURANCE

A bond insurance policy is essential when you or your company is involved in the following:

  • One or more employees handling large amounts of cash
  • Managing valuable company assets
  • If you are in a position where you have direct access to a company’s cash, securities, and/or accounting records
  • If you manage investment funds

Bond insurance is also available in specialty forms for certain trades and professions, such as providing cleaning services, trust fund managers, attorneys and individuals covering pensions. Our commercial specialists will guide you with the bond insurance policy that’s right for you.

PEO INSURANCE

Use of a PEO saves time and staff that would be used to prepare payroll and administer benefits plans, which may reduce legal liabilities or obligations to employees that it would otherwise have. One key service usually provided by a PEO is to secure Workers Compensation insurance coverage at a lower cost than client companies can obtain on an individual basis. Essentially, a PEO obtains Workers Compensation coverage for its clients by negotiating insurance coverage that covers not just the PEO but also the client companies. Another benefit of having a PEO is that audits are eliminated by the workers comp company.

INSURANCE PRODUCTS FOR YOUR CLIENTS

AUTO INSURANCE

Did you know that when you purchase auto insurance, you’re not only protecting yourself against physical damage, liability and/or bodily injury that can occur from a traffic collision, but you may also be protecting yourself financially against theft and damage to the vehicle? There are a variety of coverages including bodily injury, property damage, comprehensive and collision insurance but the most important thing to remember when purchasing this type of insurance, is to ensure that you have enough coverage to meet state requirements and your needs in the event of an accident. Our policies are tailored to meet your individual needs.

HOMEOWNERS INSURANCE

Homeowners insurance protects your property against loss occurring from fire, theft, vandalism and a variety of other potential claims. This coverage offers various personal insurance protection including the contents of your home, loss of use, etc. Additional coverages include personal liability protection, guest medical coverage, etc. Additional Living Expenses is offered when your home is rendered unlivable due to a covered loss, and Liability, which protects you if someone is accidentally injured or has his/her property damaged while on your premises.

CONDO INSURANCE

Did you know that the condo insurance included in your association dues does not cover your furniture, electronics or fixtures such as cabinets, mirrors, light fixtures, window treatments, and flooring? The insurance included in your dues only covers the building that you live in — making you responsible for everything from the drywall finish to everything inside the unit. For this reason, it is important to obtain this type of coverage when purchasing a condo.

PERSONAL ARTICLE FLOATER

A Personal Article Floater provides coverage on particular classes of valuable personal possessions, such as jewelry, fine art, jewelry, cameras, golf equipment, musical instruments, silverware, stamp and coin collections and antiques. Please note: A standard homeowner’s policy only offers coverage up to $1,000 per individual item. Appraisals and or receipts are necessary to provide property coverage.

FLOOD INSURANCE

If you live in a flood prone or moderate risk area, flood insurance is essential. It covers direct physical losses caused by flooding as well as losses resulting from flood-related catastrophes. Coverage is provided for flood damage to the building itself. Additional coverage for your contents is also available. If you are purchasing a home in a moderate-to-high risk area, and it is being financed by a bank, your lender will require proof of insurance before closing. If you are not in a flood zone, a preferred flood insurance policy is recommended and may be purchased at minimum costs.

RENTERS INSURANCE

If you are renting – whether it’s a single family home, condo, or apartment – you can’t afford to be without renters insurance. This is your protection when disasters like storms, pipe bursts, fire, and even theft occur. It covers your personal belongings and – depending on the type of coverage you purchase – provides liability coverage for injury or damage caused to another person and their property while visiting you. Even if you are living as a roommate in someone else’s property, you can purchase a policy to protect your belongings. Renters insurance is a minimal investment that can save you a lot of money.

BOAT

As a boat owner, you can’t afford to be on the water without a boat and a personal watercraft policy. Very much like an auto insurance policy, a boat policy protects you in a variety of ways. Coverages include:

  • physical damage coverage, which protects you in the event of a collision with another boat or a submerged object.
  • Liability coverage, which offers coverage for bodily injury or damage to the property of others
  • Personal property coverage, which protects your personal belongings such as electronics, cameras, clothing and other items.
  • Towing Assistance coverage, which provides gas delivery and transportation to a repair facility in times of emergency.

Depending on your policy, fuel spillage may even be covered.

MOTORCYCLE INSURANCE

Motorcycle insurance protects you and your passengers against physical damage and/or bodily injury in the event of a collision. It also provides protection from any liability that may occur. Types of coverage include bodily injury, property damage, comprehensive and collision. If you own a motorcycle, you can’t afford to be on the road without this coverage.

RV INSURANCE

Did you know that you can cover a variety of vehicles under an RV insurance policy? From Motor coaches, Class A, B, & C motor homes, campers and camper vans to travel trailers, pop-ups, toy haulers and fifth wheels, an RV policy will provide you with the protection you need to enjoy your vacations.

PERSONAL UMBRELLA INSURANCE

Umbrella insurance is liability coverage which provides coverage over and above the limits of your regular policy. The term “umbrella” is used because it covers liability claims from all policies underneath it, such as auto insurance and homeowner insurance policies. Depending on the coverage you purchase, umbrella insurance can also provide coverage for claims which may be normally excluded by your regular policy. This type of policy is normally sold in increments of one million dollars. For example, if your auto policy has liability limits of $500,000, then with a million dollar umbrella, your limits become $1,500,000 on an auto liability claim.