General Liability

In today's litigious society, even small mishaps can result in large lawsuits. That's why general liability insurance, along with property and worker's compensation insurance, is essential for most companies. Liability insurance protects the assets of a business when it is sued for something it did (or didn't do) to cause an injury or property damage. General liability insurance can be purchased separately or as part of a business owners package  policy. A package policy bundles property and liability insurance into one policy. Businesses that need higher limits of liability usually purchase excess/umbrella insurance as a separate policy.

Commercial Auto

A commercial auto insurance policy serves as protection against liability for bodily injury and property damage and physical damage relative to the ownership, maintenance, or use of vehicles for your  business.  Commercial auto insurance also provides defense costs for the insured. Trucks and certain motorized equipment, buses, limousines, and many types of vehicles can all be afforded coverage, in addition to the standard automobile or delivery van. Your  business may also need "hired and non-owned" auto liability coverage for vehicles your business may  use or that you rent or borrow.

Professional Liability

Professional Liability Insurance, also known as Errors and Omissions Insurance, protects professional practitioners against potential negligence claims made by their patients/clients etc. Professional Liability Insurance may take on different names depending on the profession. For example, Professional Liability Insurance in reference to the medical profession may be called Medical Malpractice.  Most professionals may purchase Errors and Omissions Insurance. Other potential  policyholders may include, for example, real estate brokers, appraisers, management consultants and website developers.

Umbrella

Even with the best planning, the unexpected can happen. A sizable judgment against your business can damage your reputation, market share, and bottom line. Would your auto or general liability policies protect your business against a substantial loss?

With umbrella coverage from Jenca Insurance Consultants, you can safeguard your business. We’ll help protect you from the unexpected so you can focus on what really matters: your business.

Umbrella insurance provides additional limits over your existing liability policies.

If you are looking to add higher limits over your existing liability policies, excess liability insurance may also be an appropriate solution.

Homeowners Insurance

As home values increase, homeowners insurance premiums tend to follow. However, there are simple ways to save on insuring your home and personal property while still securing the protection you need.

Today’s homeowners package policies offer a wide variety of coverages, including protection for your dwelling, detached structures, and personal property.  Policies  also include protection for liability claims brought against you or your family members.  Be aware that exclusions and limitations exist within a homeowner package policy.  As a result, we recommend that you consult with a insurance professional, like the ones at Jenca Insurance Consulting Corp., to assist in recognizing your coverage needs, and offering solutions to satisfy those needs.

Flood-Protect Yourself With Flood Insurance

Rising water/flood can cause tens of thousands of dollars in damage. From 2008 to 2014, the average residential flood claim amounted to more than $38,000. Flood insurance is the best way to protect yourself from devastating financial loss.

Flood insurance is available to homeowners, renters, condo owners/renters, and commercial property owners/renters. Costs vary depending on how much insurance is purchased, what it covers and the property's flood risk.  All policy forms provide coverage for buildings and contents. However, you might want to discuss insuring personal property with your agent, since contents coverage is optional. Typically, there's a 30-day waiting period from date of purchase before your policy goes into effect. That means now is the best time to buy flood insurance.

Umbrella

Umbrella insurance provides additional limits over your existing homeowners and auto liability insurance coverages/policies.

If you are looking to add higher limits over those policies, excess liability insurance may also be an appropriate solution.