The Montclair Insurance Group is dedicated to educating you on your options and providing you with top-notch service. Their representatives strive to settle all claims quickly and efficiently and in your best interests.
Whether your car is new off the lot or more of a classic, proper auto insurance is crucial to protecting not only your vehicle, but also your liability. Omaha is a bustling city with lots of traffic and chances for accidents. Even though you practice sound, defensive driving, there are many drivers around who do not.
A few options to keep in mind when looking at auto policy options include:
- Available limits in property, liability, and medical coverages
- Rental car coverage in the event you need a car while yours is in the shop
- Roadside assistance service
- Insurer reputation for timely and accurate processing of claims
Business Owners Insurance
We are your partner when it comes to business insurance. Your business is your livelihood and must be fully protected. Business Owners insurance includes coverage for your buildings as well as personal property inside your building or store. Liability coverage is extremely important in the event of an incident or accident at your place of business. You can do a lot to keep the environment safe and clean and have procedures and policies in place, but there is no way to fully prevent incidents from occurring, so coverage is a necessity. Business income, professional liability, and protection for valuable papers insurance are also available.
Commercial Auto Insurance
Commercial Auto Insurance can be purchased individually or packaged with a Business Owners Insurance plan. Commercial auto coverage ensures that your employees and business-owned vehicles are covered in the event of accidents when those vehicles are in use. Commercial Auto offers an expanded line of coverage for vehicles including:
- Trucks used for agriculture or construction projects
- Carrier vehicles such as buses and limousines
As with personal auto insurance, damage to the vehicle is covered, as well as liability and medical coverage.
General Liability Insurance
General Liability insurance is recommended as a stand-alone if you are a business owner without a Business Owners policy. Since the Business Owners policy typically includes general liability coverage, the additional policy isn’t usually needed. However, if you operate a business with no brick and mortar building, the General Liability policy is for you. Industries such as lawn care, painting, or other services wherein you conduct business outside of your own four walls make good candidates for this type of insurance. General Liability and Commercial Auto can also be bundled together as a comprehensive plan for your service-related business.
If you own a home, you must have Homeowner’s Insurance and will not be able to obtain a mortgage until it is secured. It’s imperative that you have the most comprehensive plan available so that in the event of a claim, the disruption is minimal and brief. Your Homeowner’s Insurance will provide protection for property damage, liability, and personal injury claims made by persons injured while at your home. We will point you to the best plans available on the market and provide you with step-by-step assistance in the event of a claim.
Homeowner's Flood Insurance
Homes that are situated on a flood plain may be required by federal law to hold a specific Homeowner Flood Insurance policy. This specific policy covers damage to property and personal belongings damaged due to flooding from overflowing rivers, heavy rains, and melting snow. Certain flood coverages are not included in Homeowner’s Policies, and it can be devastating to experience a loss due to flood only to realize your regular insurance did not cover it. Let us help you determine whether you need additional flood insurance coverage.
Life Insurance is crucial to protect your loved ones and business partners in the event you pass away. Let us help you find the most appropriate Life Insurance coverage for your stage of life, circumstances, and financial obligations. Life Insurance is as unique as the people it covers, and comes in many options that can simply provide coverage or actually build on your financial plan. We will explain the options available to you and help you determine which type of life insurance policy will achieve the goals you have for your family and/or your business.
Term Life Insurance
Term Life Insurance is probably the most basic of life insurance coverages, which is designed to cover your life for a specified period of time. Term life insurance can be procured for a specified period of time, usually 10 years, 20 years, or 30 years and cost is based on your age and health at time of purchase as well as length of term. Term Life Insurance does not build on your financial plan, but is usually the most affordable Life Insurance option and the one that most people start with.
Renter’s Insurance is required by apartment complexes and colleges for dormitory occupants, and is typically required by property owners who lease homes and duplexes. When you occupy an apartment, dorm or home owned by someone else, the responsibility for insuring the building and liability lies with the property owners. However, they are not required to cover your personal belongings or personal liability for injury to your guests. Your Renter’s Insurance policy is there to protect your items of value in the event of a loss. Hotel expenses may be covered should you need a place to stay until your apartment or rental home is inhabitable again.
Recreational Vehicle Insurance
Your RV is your home away from home. We help you treat it as such with options to ensure that your home on wheels is safe whether it is in storage or on the road. Recreational Vehicle Insurance combines the worlds of homeowner and auto insurance to provide you the most comprehensive coverage available to protect you and your family in any situation. The best part is, if you experience a claim while on the road, we’ll be right here to take care of it and get you back to your leisurely lifestyle as quickly as possible.
There’s nothing quite like the open road–except the open road on a motorcycle. Whether you’re in it for sport, leisure, or rallies, your motorcycle will need coverage quite similar to your typical auto insurance policy. There are some unique aspects of Motorcycle Insurance that you’ll want to take advantage of, such as coverage for personal property and gear. Making sure you and your passenger are covered while on the motorcycle is also vitally important. This is one area of coverage where you’ll definitely want to partner with us to ensure your coverage is appropriate for you and your open road lifestyle.
If you own a boat, wave runners, jet skis, or other personal watercraft, the insurance requirements are as similar as owning a car or motorcycle. Our access to multiple carriers means we will help you find the most comprehensive coverage for your watercraft that can cover not only property and liability, but also additional services such as towing, repairs, and replacement of parts. Watercraft Insurance helps you enjoy your investment while having the peace of mind that you are covered should anything happen to your craft or passengers while on board your craft. Before you create waves, give us a call to make sure your coverage is complete.
As a business owner, you’re all too familiar with the multitude of liabilities that can come with operating a business. When you start to add employees to your small business, Worker’s Compensation plans are a must. There is no way to predict or prevent every incident that might occur at work, so it’s important to have a plan in place that takes into consideration all factors including the type of business you operate, the number of employees you have and the investment you have in the business. We’ll work with you and develop a plan best suited to protect your business and your employees.
Personal Umbrella Coverage
Personal Umbrella Insurance provides additional coverage above and beyond what your typical homeowners, auto, and watercraft insurance policies may offer. Personal Umbrella policies provide protection for you while on personal travel, using vacation rentals, for defense against personal injury claims, and potential legal costs. If you have a need for extending protection against major claims or lawsuits, we can help you determine the limits you may need to protect your assets. Personal Umbrella Coverage is an excellent idea to fill in any gaps you may have and to provide peace of mind that no matter what happens, you’ll be protected and covered.
Commercial Umbrella Coverage
Commercial Umbrella policies are designed similarly to Personal Umbrella coverages, but with your business in mind. The coverage protects you from major losses above and beyond your other business and commercial insurance policies. Catastrophic events and lawsuits can leave your financial assets vulnerable, making it extremely difficult for a small business to recover. Having a Commercial Umbrella policy in place lets you operate your business knowing that you are covered no matter what catastrophic or unforeseen event occurs. Let us navigate this extended coverage with you and help you determine the best option to protect your livelihood.