Know What You Have, To Protect What You Have
The kinds of things we are buying is changing. While your parents may have spent a lot of money on furniture, you may find yourself spending more on home electronics and trying to figure out which remote to use.

Taking the time to understand how your coverage works can help you make sure everything you value is adequately covered.


The Best Choice for Homeowners Insurance is an Informed Choice

You should have peace of mind at a price you can afford – that’s Allstate’s stand. To make it easier for you to choose the insurance policy you need while keeping costs low, we offer helpful information in four main sections…

Expect the unexpected

Nationwide Agribusiness farm policies have been protecting farmers and ranchers for more than 100 years. Today, as a member of Nationwide, we're part of the largest ag insurance writer in the U.S.

Our policies aren’t modified homeowners or commercial policies. They’re designed specifically for your farm or ranch, with coverages for your risks. Our wealth of experience in the ag market means we know what kind of protection farmers need and what kind of service you expect.

Go ahead...let freedom rev

You know the thrill of the open road. With Allied Insurance, you can enjoy the adventure worry-free. Allied offers a state-of-the-art product to cover the insurance needs of the power sports enthusiast, whether you’re a beginner or an experienced rider.

This feature-rich product was specially designed for motorcycles, snowmobiles, all-terrain vehicles (ATVs), and outdoor sports vehicles. In fact, we cover most anything with wheels including bikes, trikes, ATVs, scooters, and even Segways®.

Whatever your mode of adventure, Allied Insurance has the right coverage options for you and your ride.

We’re in business to protect yours

No matter what your business is, we're sure you're committed to doing a great job and serving your customers well. At Allied Insurance, so are we.

Allied offers top-quality coverage for small- to medium-size business operations. Property and liability protection can be packaged into one policy, ensuring you convenience and a custom fit that’s perfect for your business.

To help prevent costly accidents and interruptions, we also offer complimentary loss control and prevention services to our commercial clients.

Need Car Insurance? Get an Auto or Car Quote From An Allied Agent

Open road ahead…our protection behind you

From workday traffic to weekend getaways, your car takes you where you need to go. At Allied Insurance, we don't just insure your car. We ensure your independence.

We offer flexible, affordable coverage options to meet the needs of every driver. In addition, you may qualify for a range of cost-saving discounts and credits. When it comes to paying your premium, we provide a number of flexible payment options.

Your car isn't just a set of wheels--it's part of who you are. At Allied Insurance, we understand that.

Not just a house… it’s your home

At Allied Insurance, we know you’ve worked hard to make your house a home. In fact, your home probably represents your biggest financial and emotional investment. To protect that, you need dependable insurance protection at the best value. Allied’s homeowners insurance is the answer.

We offer flexible, affordable coverage options to meet your needs. In addition, you may qualify for a range of cost-saving discounts and credits. When it comes to paying your premium, we provide a number of flexible payment options.

Protect your home, all that's in it, and what it means to you and the ones you love with property insurance from Allied Insurance. Contact your local, independent Allied agent for more details.

Protect your financial future

Ok, let's talk finances. No matter what your age or how financially prepared you think you are for the future, things can happen. Things that affect your money, your credit, and your overall financial health.

Allied Insurance can help. From identity theft to unexpected lawsuits, we offer insurance products to protect your assets and give you a greater sense of financial security. You may never need to use these coverages, but you've worked too hard to put your future at risk.


No home is secure without Home Insurance. New Hampshire Insurance Company offers an exclusive policy to protect your home against Burglary, Armed Hold-up, Fire, Earthquake, Flood and Riots.

Core coverage:
• Homeowners - Building, Contents, Liability
• Dwellings - Building, Contents
• Condominiums - Contents, Building Improvements
• Renters – Contents

Argus Fire & Casualty Insurance Company

Argus is an admitted, Florida domiciled Property & Casualty Insurance Company. Our mission: "COMMITTED TO THE INDEPENDENT AGENT"

Argus is a stock company wholly owned by United Automobile Insurance Group. Argus is affiliated with National Insurance Management Company. This company affiliate oversees the day-to-day administrative duties and claims responsibilities for Argus. We are genuinely committed to the independent agents. While others just say it, we mean it! Our goal is not only to write your business but most importantly to retain it. The way we accomplish this is by making it a pleasant experience every time you call us or visit our offices. We will always provide you with courteous and professional service, competitive premiums and equitable claims handling. Coming into the Florida marketplace and writing voluntary business is our way of making our mission statement a fact. Put us to the test and let us work for you.

DVICE, RESOURCES, AND ACCESS TO AFFORDABLE CARE

Determining how someone will be cared for can often be a stressful time. That is why financial assistance is not the only kind of support you'll need when faced with a long term illness or injury. You'll want a resource you can talk to about care in general. You'll also need personal care coordinator who can help design a plan of care that meets your needs and makes the most of your benefits. John Hancock offers these services at no additional cost:

  • A plan of care
  • Assistance with the claims process
  • Advice regarding caregiving resources in your community
  • Access to affordable care through our exclusive provider discount program
  • Resources to help you and your family manage the complexities of your care decisions
In addition to these valuable services, John Hancock has also designed several unique benefits exclusively for our long term care insurance policyholders to access when they need care. These benefits are available at no cost to you
Most insurance companies use factors such as driving record, prior loss history, and vehicle type along with credit information in determining your automobile insurance premium. In fact, according to a study by Conning Research and Consulting Inc., 92% of insurers use credit based insurance scores (Insurance Scoring in Personal Automobile Insurance - Breaking the Silence, Conning & Co., 2001). You may have questions about why insurers use credit information and how do they use it. We are providing some frequently asked questions and answers below, to help you to better understand how and why insurance companies, including Liberty Mutual, use credit information

Term life insurance provides guaranteed coverage for a specified time. John Hancock's term life insurance product and optional riders are an affordable way to prevent financial hardship should you die suddenly or be diagnosed with a terminal illness. With John Hancock's term you can take advantage of:Term Life Insurance Brochure

  • Guaranteed level premiums for 10, 15 or 20 years
  • Guaranteed conversion option to John Hancock's permanent products
  • Guaranteed level death benefit
U.S. Specialty Insurance Company - Transportation Division (USSIC Transportation) welcomes you to our website. As you navigate your way through the site we hope you will find this to be an informative and useful tool for your research into occupational accident insurance.

USSIC Transportation operates through appointed agents throughout the United States. A full listing of these agents is located on the "locate an agent" tab. Financially strong, U.S. Specialty Insurance Company maintains ratings of A+ (Superior) by A.M. Best and AA (Very Strong) by Standard and Poor's.

How can we help?

Zurich has a range of products and services to help you. Whether your business needs property, casualty, automobile or other types of insurance, we can help find the coverage that is right for you.

The independent agent or broker you work with is essential in helping guide you through the risk prevention strategies, innovative products, and cutting-edge resources we can provide for your business.

Discover more by selecting from the highlighted industries or products below. If you don’t see your industry or desired product featured below, please contact your agent, broker or Zurich to learn more about how we can help.
U.S. Specialty Insurance Company – Aviation Division (USSIC Aviation) welcomes you to our website. As you navigate your way through the site we hope you will find this to be an informative and useful tool for your research into aviation insurance.

USSIC Aviation operates through appointed agents throughout the United States. A full listing of these agents is located on the “locate an agent” tab. Financially strong, U.S. Specialty Insurance Company maintains ratings of A+ (Superior) by A.M. Best and AA (Very Strong) by Standard and Poor’s.

Why RBC Insurance?



From Products to Service, You're Making the Right Choice When You Look to Us for Your Auto Insurance.

Deciding which company to buy your auto insurance from is easier when you know what to ask. Asking about the company, their products and services, and what others say about them, are all fair questions you'll want answered.

We understand that by choosing RBC Insurance®, you're relying on us to provide the coverage and care you need to protect you, your family and your vehicles. We take this very seriously.

Are you a recent graduate, a newlywed, retiring early or between jobs? Do you run your own business or raising a family? Explore affordable options for Aetna Individual Health Insurance.

Whether you've just left a group plan or you're looking to switch from your current individual plan, Aetna Health Plans for Individuals are designed to make it easier to choose coverage that's right for you.
For nearly a century, Pan-American Life Insurance Company has earned a trusted reputation based on tradition, stability, and financial strength. By offering local service backed by the strength of our regional resources, Pan-American agents provide our policyholders with individualized service supported by our experience and expertise in the United States and Latin America. Pan-American Life’s heritage manifests our longstanding dedication to providing our customers with the products they need, the knowledge to secure their future, and a partnership they can trust
When it comes to traditional and alternative risk finance, from the straight forward primary casualty program to the very complex, there is one core underlying philosophy at ACE USA: we approach each opportunity on its own individual basis and create a product that fulfills each client's unique insurance and business needs.
ACE has built a global reputation as a company that provides exceptional service and quality insurance programs to its customers. ACE USA Accident & Health is committed to delivering innovative insurance programs and greater financial stability in an ever-changing marketplace.

In the Accident & Health category, ACE USA is a solid contender. Our superior underwriting expertise and vast international capabilities enable us to provide a variety of products - from traditional accident and medical insurance plans for employers and citizens worldwide to specialty programs designed to meet the unique needs of our clients.

ACE USA's Accident & Health products offer you:
  • Innovation: Our entrepreneurial business philosophy and expert industry knowledge allow us to remain flexible in finding the right solution for our clients.
  • Global Protection: The ACE global network can satisfy the insurance needs of companies operating worldwide.
  • Financial Strength: Consistently high ratings from A.M. Best and Standard & Poor's are an indication that we are financially strong and able to meet our obligations to our customers.
  • Superior Solutions: We are dedicated, solutions-oriented professionals able to provide quick responses and expert handling of customer needs.

All About Supplemental Insurance

All About Supplemental Insurance: Mother playing with children – Combined Supplemental Insurance

Advertisements for various types of insurance are everywhere ... and they can be confusing. So what exactly do you need to know about supplemental insurance and what can it do for you? As its name implies, supplemental insurance provides you with another layer of protection, on top of existing policies you probably already have, such as health and life insurance. It can help you pay for the things existing policies may not cover.

Supplemental insurance is similar to other lines of insurance - such as life or health insurance - but it is not meant to be your only means of protection. While major medical or life insurance policies can provide the bulk of benefits to your family after an illness or loss, supplemental insurance benefits can be used to pay for unexpected out-of-pocket expenses or help with things like utility bills, rent, and the like. Because the benefits are paid directly to you, you decide how they're spent.

With major medical insurance, specifically, your insurance company pays the medical provider directly for services provided to you. With supplemental insurance, the benefits go directly to you, to use at your discretion.

Combined Insurance specifically offers a number of insurance products designed to help meet your needs, including supplemental disability insurance, supplemental accident insurance, supplemental health insurance and supplemental life insurance. Each is clearly written and easy to understand so you can make the right decisions about your coverage.

Sounds great, right? But is it affordable? Supplemental insurance - especially considering the benefits are paid to you - is generally very affordable. In fact, some policies can be secured for under $10 a month, depending on the amount of coverage you choose. Consider the high cost of healthcare these days. Consider, too, lost wages if you're sick or have an accident and can't work. Supplemental insurance can help you with those costs, and more, making a difficult situation a little easier to bear. The real question is - can you afford not to have it?

is active in most American states and in several Caribbean Islands. Acquired in 1987 by the Optimum Group but founded in 1978, the company operates from its main office located in Dallas (Texas). Optimum Re Insurance Company initially targeted small to mid-size insurance companies with the mission of supporting their development, but has recently broadened its scope and now provides life reinsurance services to large size companies as well. It provides clients with a range of turnkey products adapted to their own markets, while offering them traditional individual reinsurance products such as life, accidental death and dismemberment (AD&D) coverage. The company has also developed very strong expertise in critical illness, a growing line of business in the US. Thanks to its knowledge of the markets where its clients operate, Optimum Re Insurance Company services more than 160 insurers.



An important part of a sound financial plan, life insurance provides a valuable death benefit to your beneficiaries upon your death. Your beneficiaries can then use this money to replace some of the income you would have earned or to help pay off debts or other expenses.

The two types of life insurance are term and permanent. The one that's right for you depends on many factors, including your budget, the amount of coverage you need, and the length of time you'd like the coverage to last.

Group Health Insurance


Health Insurance for a Small Group

Group health insurance provides medical expense coverage for many people in a single policy. All the eligible participants are covered, regardless of age or physical condition. Group health insurance is ideal for International employees, missionaries, students, and travelers.



  • Security Life of Denver Insurance Company
  • ReliaStar Life Insurance Company
  • ReliaStar Life Insurance Company of New York

ING US life companies trace their roots back to 1885. they have a long history of competitive products and superior service. Coupled with ING’s innovation, our family of life companies provide financial solutions to help producers and consumers succeed.

NG Reinsurance is a leading, knowledge-based reinsurer that helps clients succeed by providing customized reinsurance solutions.

Based in Minneapolis, ING Reinsurance offers group life, accident and specialty risk reinsurance, group long-term disability reinsurance, and medical and managed care reinsurance products.

We believe that knowledge is the key to reinsurance excellence. So we developed unique tools, value-added services and industry-specific, issue-oriented publications all designed to help our clients get the information they need to better understand and manage the risks of their business.

Credit Insurance

Financial services organizations around the world have recognized that credit-related insurance programs have become an important contributor to their overall profits. These industry leaders include banks, finance companies, retailers, utility companies, credit card issuers, residential mortgage originators, and educational institutions.

To meet this growing demand for credit insurance products, GMD Credit has local representatives in more than 60 countries and functions as a distinct business unit within the AIG Group Management Division. Today, GMD is a leading credit-related insurance provider throughout Europe, Asia, Latin America and the Middle East. GMD Credit works through AIG subsidiary life insurance companies such as American Life Insurance Company (ALICO), American International Assurance Company, Limited (AIA) and others or through non-Life operations such as American International Underwriters (AIU) depending on program coverages.

Through "AIG Advantages", GMD Credit provides a vast global business network to creditors and other organizations. With expertise in product development, underwriting, marketing and sales training, clients can count on GMD Credit to build successful and profitable credit insurance programs for their businesses.


AIG Pakistan Business Guard is a Specially designed insurance package for small and medium size enterprises. It is simple yet comprehensive. It provides all the conventional covers that business would require on a package.

Product Features:

• Specifically designed for small & medium size enterprises with a wide variety of required coverage. However, simple enough to be delivered in a package. It is simple yet immediately effective once we acquire the necessary information.

AIG provides a full range of life and health related products and services to domestic and multinational employer groups of all sizes. These products and services are offered through the various life companies of AIG, and distributed primarily through agents, brokers and direct sales representatives.

Group Employee Benefits products and services include:

Product description

A serious injury or death can have a tremendous financial impact even for two-income families. Group Personal Accident Insurance enables employers/ associations to provide its employees/members insurance protection against the expenses associated with an accidental death or injury. The policy typically covers the insured and their families annually 24 hours a day, 365 days per year worldwide. It can also be limited to on the job coverage.

Give your employees and loved one the initiative to work, fulfill their dreams and desire to create without having the fear of loss make them feel important.


Economy and Safety go together with New Hampshire car insurance policy that will make you feel safer in your car then ever before. With greater benefits, exclusive features and more mileage on your investment, New Hampshire comprehensive car insurance policy give you maximum coverage against theft, accidental damage, third party liability and terrorism.

We have been delivering innovative automobile insurance solutions in Pakistan since 1949. Our primary focus is providing exceptional service to all of our independent agents and valued customers because you are the core of our business. Our Auto insurance features products backed by our unparalleled resources and internationally acclaimed financial strength. Faster, more efficient and accurate methods of transacting business translate into a healthier relationship with you for many years to come.

Vacant Building

Our Vacant Building Package is designed for residential, commercial, and industrial properties.

Product Features

  • No restrictions on length of vacancy
  • 3, 6, 9 and 12 month policies available
  • Short-term policies can be extended by endorsement with no need to issue a new policy
  • Liability coverage includes medical payments and fire legal liability
  • Special Form and Replacement Cost coverages are available on buildings less than 25 years old
  • Loss of rents coverage is available for up to 6 months with a copy of the signed lease
  • Buildings undergoing interior renovations up to 50% of the existing building value (not to exceed $250,000 by insured contractors) are eligible

Deluxe Child Care

United States Liability Insurance Group offers a Deluxe Child Care product that provides all coverage for one low flat charge for Commercial or Residential risks caring for up to 20 children.

Product Features

  • Competitive price
  • Comprehensive coverage
  • One-stop shopping

Restaurants

This product has been designed for all restaurant classes provided no more than 50% of the risk’s gross receipts are derived from the sale of alcohol.

Product Features

  • Accounts with dancing and entertainment are eligible
  • Product flexibility offering either Basic or Special Form
  • Flexible valuation clause - either Actual Cash Value or Replacement Cost
  • $1,000 minimum deductible

Commercial Umbrella

Loss payments and jury awards are rising every year. There are constantly emerging issues such as scientific advancements and social inflation leading to new links and increased awareness of what is causing bodily injury and property damage. All this is making higher limits of liability more and more vital to add to your insurance portfolio.

Our GoldCUP Commercial Umbrella product satisfies all your low to medium hazard Commercial Umbrella needs.

Child Care


Designed for both residential as well as commercial child care facilities, our comprehensive product meets the complete needs of child care centers.

Product Features

  • Medical payments coverage provided at no additional charge
  • Rated on average daily attendance
  • No liability deductible
  • Employment Practices Liability Coverage
  • Low minimum premiums for residential and commercial child care centers

Apartments




This product is specifically designed to accommodate the coverage and pricing needs for a wide variety of apartment risks.

1-4 Family Dwellings

This product targets 1-4 Family Dwellings owned by individuals or corporate investors.

Product Features

  • Low minimum premiums
  • Credit provided for owner occupied 2-4 family locations
  • Mobile homes as dwellings are eligible
  • No liability deductible

Commercial Liability



The Commercial Liability Team at United States Liability Insurance Group offers Primary General Liability, Excess General Liability, Umbrella Liability and Excess Umbrella Liability.

Non Profit Directors & Officers

Our Non Profit Professional Liability Product offers innovative coverage enhancements.


Medical Providers Employment Practices Liability



This innovative product is the first to address three of the non-medical malpractice exposures facing a Doctor or Dentist office, specifically:

  • Employment Practices Liability
  • Third Party Discrimination (Failure to treat a patient)
  • Defense cost coverage for allegations by a patient of sexual misconduct

Employment Practices Liability

Voted the #1 Employment Practices Liability Product in a recent nationwide survey of agents and brokers, this product offers protection against a host of employment exposures.

Crime Insurance for Community Associations

United States Liability Insurance Group proudly introduces our Crime Insurance product, designed to meet the needs of Community Associations.

Corporate Directors & Officers Liability

"The Answer" is designed for privately held firms with up to $350,000,000 in assets and 500 employees. A separate Employment Practices Liability limit, full entity coverage, and no punitive damages exclusion are just a few of the many coverage features.


Community Associations

United States Liability Insurance Group offers competitive Directors & Officers Liability Policy, Package Policy and Umbrella Policy for Community Associations.

Professional

The Professional Lines Department at United States Liability Insurance Group focuses on offering competitively priced products, broad and unique coverages and fast turnaround time to enable its Customers to compete successfully for this growing class of business..

New Products

United States Liability Insurance Group is committed to introducing new and innovative products that will help our Customers differentiate themselves. These products are designed to fit within our underwriting specialty areas. Please visit this section often to keep abreast of our offerings.