What We Cover

Auto Insurance

When individuals consider auto insurance, they often focus solely on damage to their vehicle. However, auto insurance extends beyond car protection. Given the frequent occurrence of car accidents, it’s crucial to comprehend your coverage options.

Home Insurance

Your home serves as a cherished asset and sanctuary for your family. Homeowners insurance provides the assurance that, in times of adversity, you and your loved ones can bounce back and reconstruct without enduring excessive financial strain.

Life Insurance

Life insurance stands as the cornerstone of a robust financial plan, offering one of the most cost-effective means to safeguard those who rely on you financially. Whether you have dependents, are married, or carry any form of debt, acquiring life insurance is a prudent decision.

Commercial

Commercial insurance signifies your dedication to your business and demonstrates your serious consideration for the needs of your employees and customers. It serves as a tool to mitigate risks and uncertainties inherent in business operations, providing a safety net against unexpected events that may jeopardize your business continuity or financial well-being.

Specialty Products

Protecting your motorcycle, RV, collector car, and boat goes beyond simply covering repair or replacement expenses. With a specialized insurance policy, you safeguard your ability to pursue your passions, embark on adventures, and craft enduring memories, regardless of unforeseen circumstances.

Events

Enhanced liability coverage is invaluable when hosting one-time or recurring events. Our Special Event insurance provides tailored protection, whether for intimate gatherings or grand-scale celebrations.

Our Carriers

Windsor Mount Joy

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Contact

599 Old Berwick Rd
Bloomsburg, PA 17815

570-784-8364

[email protected]

What Do Auto Insurance Policies Cover?

Depending on the policy you choose, your coverages will vary. Here are some of the most popular coverages:

Collision insurance—This portion of your policy helps cover damage costs if you are involved in a collision.

Liability insurance—If you are at fault in a wreck, this type of coverage helps insure you against any damage you cause others. Most states, including California, require drivers to carry minimum amounts of liability insurance. There are two kinds of coverage included in liability insurance:

• Property damage liability—This coverage helps pay for damage to the other driver’s property (e.g., their car).

• Bodily injury liability—This coverage helps pay for medical bills and sometimes death benefits for the other person involved in the wreck.

Medical payments (MedPay) insurance—This portion of your policy helps you pay for the medical bills of you and your passengers if you are involved in an accident.

Uninsured/underinsured motorist insurance—This type of coverage helps you cover the cost of damages caused by someone who doesn’t have adequate auto insurance, specifically liability coverage.

Comprehensive insurance—This portion of your policy covers damages that are not related to a wreck, such as theft, weather damage, or vandalism.

There may be additional coverages that will be necessary based on your unique situation. Be sure to ask our agency how we can tailor your auto coverage to your needs.

Get Covered Today

Our team is committed to helping you find a policy to fit your specific needs. Reach out to us today to start the conversation or to get a quote.

What Is Homeowners Insurance?

Home insurance is a package policy, which means that it covers damage to your property after a covered loss and your liability or legal responsibility for any injuries and property damage you or members of your family cause to other people. There are usually additional coverages or endorsements, also called riders, that you can add to the standard coverages provided by home insurance to ensure adequate protection.

Do I Need Homeowners Insurance?

While purchasing a home insurance policy may not be mandated by the federal, state or local government, your lender may require proof of home insurance if you have a mortgage. Carrying appropriate coverage is always a good idea as the policy can help financially protect you if you experience a covered accident or other loss. Without home insurance, you may be left to cover the replacement or repair costs on your own following an incident.

Get Covered Today

If you need a homeowners insurance policy or want to evaluate whether the coverage you have is adequate, we’re here to help. Give us a call today to get started or request your free quote now.

What Is Life Insurance?

Life insurance is a financial safety net designed to protect your loved ones in the event of your passing. It provides a tax-free lump sum payment, known as a death benefit, which can be used to cover final expenses, debts, mortgage payments, and ongoing living expenses for your family.

Why Do You Need Life Insurance?

While life insurance isn’t mandatory by law, it plays a critical role in safeguarding your family's financial future. Whether you're providing for children, a spouse, or other dependents, life insurance ensures they are protected in times of uncertainty. It can also help manage estate taxes, pay off loans, or leave a legacy for your loved ones.

How Life Insurance Works

There are various types of life insurance, such as term life, whole life, and universal life, each offering different benefits tailored to specific needs. Term life insurance provides coverage for a set period, while whole life offers lifelong coverage with the added benefit of a cash value component.

Get Started with Life Insurance

If you're considering life insurance or wish to reassess your current policy, we’re here to help. Reach out today to explore your options and find the coverage that meets your needs.

Commercial Insurance Coverages

Commercial insurance typically provides protection for:

  • Third-party property damage—Commercial insurance may cover repair or replacement costs if your business is responsible for damaging others’ property.

  • Third-party bodily injury—Commercial insurance can help pay for medical expenses if your business is held liable for a third-party injury (e.g., accidents occurring on your business premises).

  • Personal and advertising injury—Commercial insurance may offer coverage if your business is sued for personal or advertising injury (e.g., slander, libel, or copyright infringement).

In addition to covering damages, commercial insurance can also help pay for associated legal fees (e.g., attorney fees, settlements, and judgments). For more details on coverages, limits, and exclusions, speak with your agent.

Importance of Commercial Insurance

While commercial insurance is not typically mandated by law, certain business licenses may require it, or landlords may ask for proof of coverage when leasing business spaces.

Commercial insurance can prevent unexpected losses and help manage risks efficiently. Reach out to your agent for a personalized plan tailored to your business needs.

How to Obtain Commercial Insurance

Our team is here to assist in securing the right commercial insurance policy for your business. Contact us today for more information or a quote.

What Are Specialty Products Insurance?

Specialty products insurance is designed to provide protection for unique assets such as boats, RVs, motorcycles, and other recreational vehicles. These policies offer coverage tailored to the specific needs and risks associated with these types of vehicles, ensuring that you can enjoy your adventures with peace of mind.

Why Choose Specialty Products Insurance?

Whether you're hitting the open road on your motorcycle, cruising the waterways in your boat, or traveling cross-country in your RV, specialty insurance covers more than just the basic liability or collision damage. For example:

  • Boats: Covers risks like damage from storms, theft, or mechanical failure.
  • Motorcycles: Offers protection against accidents, liability, and custom upgrades.
  • RVs: Ensures coverage for both the vehicle and the personal belongings stored within.

Key Benefits of Specialty Products Insurance:

  1. Customized Coverage: Each type of vehicle has its own set of risks, and specialty insurance addresses them specifically.
  2. Enhanced Protection: Beyond standard insurance, specialty policies often include accessories, gear, and vacation coverage.
  3. Peace of Mind: With specialized coverage, you’re safeguarded against unforeseen circumstances, allowing you to fully enjoy your hobbies and adventures.

How to Get Specialty Products Insurance

If you own a boat, RV, or motorcycle, or are considering purchasing one, a specialty products insurance policy provides the necessary protection tailored to your unique needs. Reach out today to discuss your options and get a customized quote.

What Is Events Insurance?

Events insurance provides protection for a wide range of events such as weddings, parties, corporate gatherings, and more. It offers coverage for the unforeseen risks and liabilities associated with hosting events, ensuring peace of mind for both event organizers and attendees.

Why Choose Events Insurance?

Events can be filled with unpredictable circumstances, and having proper insurance coverage can mitigate potential financial loss. Whether it’s liability coverage, property damage, or cancellation due to unforeseen circumstances, events insurance offers tailored protection for a variety of scenarios.

Key Benefits of Events Insurance:

  1. Liability Coverage: Protects against third-party injuries, property damage, or legal claims.
  2. Cancellation or Postponement: Covers expenses related to event cancellations due to natural disasters, emergencies, or other unforeseen events.
  3. Venue Damage: Provides financial support for damage caused to rented venues or event locations.

Customizable Coverage

Events insurance can be tailored to fit the needs of different types of events, including:

  • Weddings
  • Corporate events
  • Fundraisers
  • Concerts
  • Private parties

How to Get Events Insurance

If you're planning an event, securing events insurance ensures that you’re protected from a variety of risks, allowing you to focus on creating memorable experiences for your guests. Reach out today for a customized quote and comprehensive coverage.