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Personal Insurance Information
Risk Concepts's Personal Insurance products provide our customers with protection for their homes, automobiles and personal possessions, along with personal liability coverages.
How we serve you is as important as what we provide. First, we listen to you... we discuss your needs and answer your questions. Next, we look at both your short-term and long-term objectives and help put your insurance and planning needs in perspective.
Personal Auto
This coverage has two parts. The first is the liability section of the policy. It covers your financial responsibility for injuring others and some coverage is required by most states.
The second part covers the car itself: comprehensive coverage reimburses losses from fire, theft or other perils; collision coverage pays to repair losses caused by an accident. Often this coverage is mandated by leasing companies or banks. There are also ancillary medical, car rental and other coverages which vary by state.
Utilizing high deductibles on the physical damage coverages can help reduce premiums. If you carry umbrella insurance, you must be sure that you carry the required amount of basic liability insurance to avoid a gap in coverage for a serious accident. Auto Insurance Request for Quote
Motorcycles
Whether you’re an enthusiast or a first-timer, having fun, being responsible and being safe is what it’s all about. Being responsible includes finding the right insurance.
Motorcycle insurance is a way of sharing the risks of driving between you and your insurance company. The way it works is simple. You pay a set premium to an insurance company for coverage. In return, the company promises to pay for specific financial losses that might occur during the term of the policy.
Most people rely on motorcycle insurance to protect themselves against loss in case of an accident. In many states, you must carry basic insurance to cover the cost of losses you cause to others in an accident. If the unexpected happens, insurance gives you peace of mind in knowing you are protected. Motorcycle Insurance Request for Quote
Watercraft
Can you be sure all boaters on the water today are as safety conscious as you? And could you afford out-of-pocket expenses of $4,500 or more? That’s just the average cost for a boating accident. Now is the time to give serious consideration to protecting yourself, your passengers and your property in case you’re ever involved in a boating accident.
What does boat insurance cover? Insurance needs differ depending on the type of boat or watercraft you own. Basically, boat insurance protects you against accidents, vandalism, and insures you against liability. Watercraft Insurance Request for Quote
Recreational Vehicle
As much as you expend efforts to purchase your dream Recreational Vehicle, it is important to select appropriate Recreational Vehicle insurance policy. Legally speaking, you are required to have a certain minimum amount of coverage when you have your Recreational Vehicle registered. However, there are many insurance policies to ensure that your Recreational Vehicle obtains maximum coverage and protection. It is important to choose a policy that incorporates the recreational value of your Recreational Vehicle and does not treat it as another automobile. Recreational Vehicle Insurance Request for Quote
Home Owners
If you have tangible assets, you need the protection of a homeowner’s policy. These policies cover you in a home or an apartment, whether you are an owner or a renter. A well-written homeowner's policy will pay to replace any of your personal property that is destroyed in a fire or other disaster. The policy will also be your first line of defense against a lawsuit from someone injured at your home.
The cost of this coverage is determined by many rating factors. The quality of the coverage, however, is determined by the quality of the insurer and whether the policy is written on a named perils or all-risk basis. A named-perils policy covers only those losses specifically cited in the contract. The all-risk policy works the opposite way -- unless a peril is specifically excluded, coverage is provided. The all-risk policy is broader and the burden of proof is on the carrier not you in the event of a loss. Home Owners Insurance Request for Quote
Condo
Your condo is probably the single most important investment you have. So you want the best protection at a reasonable cost. With our policy, you'll get broad coverage for your condo and personal belongings. . . even your boat! And take advantage of special safety discounts, too.
For just pennies a day, get special protection for valuable items, electronics and more. You can also combine your condo and auto insurance into one package that can save dollars, while providing extra coverage. Condo Insurance Request for Quote
Renters
As a renter, you need to protect your personal property against theft and damage. Our renters insurance is hard to beat for convenience and value. Plus, we'll assure you the peace of mind you need for your valuable items and electronics. Renters Insurance Request for Quote
Umbrella
You don't have to be a millionaire to be sued like one. Million-dollar judgments against individuals for negligence are still relatively rare. However, receiving a lawsuit with a million-dollar demand is more common. If you receive such a court summons and you have only $100,000 of coverage, you may lose a lot of sleep.
Umbrella policies offer inexpensive "peace of mind" for most types of negligence claims. Automobile accidents are probably the most common source of serious claims. This policy supplements your basic automobile liability with extra million-dollar layers of protection. It also covers other types of catastrophic claims such as a neighbor's child drowning in your pool or the delivery man being seriously injured by falling over your child's toys. Umbrella Insurance Request for Quote
Commercial Insurance Information
Businesses present unique exposures for insurers, so it is harder to generalize about coverages. The categories of policies listed below are only an outline of the coverages available through our insurance carriers.
Whatever your commercial insurance needs, we can design a protection program that's right for you.
Business Owners
Business Owners Package policy, commonly called a "BOP" contains many of the insurance coverages needed by most small businesses. While these policies are not standard, there is great variation from insurance company to insurance company; there are certain common elements. The basic BOP offers business property both building and contents, and liability insurance protection for the operation of your business. This liability protection will generally include the operation of your business, at its established location, and the liability from your products or completed operations.
Some, but not all of the policies, will also offer business income and extra expense protection after an insured loss. BOP policies do not contain all of the coverages needed by a small business. Notably they do not cover any workers compensation, professional liability, or business vehicle coverage. Business Owners Insurance Request for Quote
Commercial Auto
A commercial automobile insurance policy is required under most circumstances when the vehicle is used for business purposes and meets certain other requirements. It is not just the registration that determines the requirement for a business automobile insurance policy. Other requirements are ownership by a corporation, use in hauling goods for hire, and gross vehicle weight of the vehicle. Some small trucks can be owned and insured under a personal automobile insurance policy under specific circumstances.
Commercial automobile insurance policies are not regulated in pricing, as are private passenger policies. There is price competition between insurance companies for good commercial automobile insurance. Auto Insurance Request for Quote
Contractors General Liability
Exceptional primary general liability and umbrella cover can be provided for virtually any type of contractor—from commercial drywall contractors to electricians. Contractors General Liability Insurance Request for Quote
Commercial Property Insurance
Commercial Property protects your business against the loss or loss of use of company property. "Property" can include a variety of types: lost income or business interruption, buildings, computers, money, and valuable papers .Property Insurance Request for Quote
General Liability
Normally, it is difficult for businesses or general contractors to work without general insurance. General liability insurance is intended to guard operators and owners of companies from claims that may come from a broad spectrum of sources. These exposures could be just about anything, including liability engendered by accidents from the operations of the insured party, contractual liability, products manufactured by the insured party, etc.
The liability you select, whether it is one, two, or three million dollars, determines the cost of general liability insurance. Also factored into the rates are the kind of work undertaken, gross receipts and total payroll expenses. Similar to auto insurance, when it comes to general liability insurance, you will first have to make a down payment and then follow it up with installments. Before buying general liability insurance, it is best to compare the quotes available in the market.
It is the business owner's or general contractor’s job to make sure that the people working under him/her are covered by an insurance policy. If for example, a person who is not a part of the project gets injured, the injured person’s lawyer can target just about anyone involved in the project. The more individuals that are involved, the greater the chances of a successful lawsuit.
General Liability Insurance Request for Quote
Hotel & Motel Hospitality Insurance
Running a hotel in today's competitive environment is a big challenge. Getting the proper business insurance at a reasonable price can be frustrating and time consuming.
Noyes Insurance Agency offers specialty insurance programs designed specifically for hospitality industry. We offer protection that goes beyond the industry standard forms used by many insurance companies. Hotel Insurance Request for Quote
Professional Liability
Professional liability insurance, also sometimes referred to as Errors and Omissions, is insurance to protect you and your company in the event a client alleges they have suffered a financial loss as a result of an error or an omission committed by you in the delivery of your professional services. Professional liability coverage is separate from a General Liability (GL) policy which would cover you mainly for bodily injury or property damage liability. Professional Liability Request for Quote
Restaurant
Today’s restaurant environment is more complex than ever and you want to know you’re covered for the unexpected occurrence.
Whether you run a small cafe or a national chain, you could be held liable for anything from contaminated or spoiled food to spilled coffee. That’s why you deserve an insurance company with commercial restaurant insurance coverage specifically designed for the risks you face.
Eligible classes include, but are not limited to: Fine Dining, Casual Dining, Fast Food, Ethnic Cuisine, Delicatessen, Coffee Shop and Micro Brewery. Restaurant Insurance Request for Quote
• Auto
• Recreational
• Personal Umbrella
• Health & Life
• Trucking
• Oilfield
• Industrial
• Business Auto
• Equipment
• Excess Umbrella
• Group Health
• Business Owners Property
• Fidelity
• Public Official
• License & Permit
• Notary
