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Home Insurance

Homeowner’s coverage doesn’t have to be difficult to understand. A basic Tomorrow Homeowners Insurance Policy will cover the following:

  •  The structure of your home

  •  Replacement costs

  •  Personal possessions (up to a set limit)

  •  Living expenses in case of a disaster

  •  Liability

 

You can also add supplemental policies such as:

  •  Valuable Articles/Floater policies (i.e. Jewelry Insurance)

  •  Flood policies

  •  Umbrella policies (additional liability)

Car Insurance

The insurance protection you need when you’re on the move:

  • Auto Insurance – Get the right insurance coverage for your car, truck, van or other vehicles.

  • Motorcycle Insurance – Ride safe and insure your motorcycle.

  • ATV and Motorsport Insurance – Insurance policies that cover all your toys.

  • Classic Car Insurance – Your classic car is an icon. Insure it well.

  • RV and Mobile Home Insurance – Home insurance for your home-on-the-road.

  • Boat and Watercraft Insurance – Insurance coverage for the captain of the ship.

Business Insurance

Protect the property your business owns, leases or rents, including things like buildings, equipment, inventory, furniture and fixtures. It provides coverage for loss of accounts receivable and valuable papers and records.

  • When it comes to liability protection, the broader the coverage the better.  Business liability insurance helps cover your business in the event it is sued for causing harm to a person and/or damage to property. It also helps cover the cost of your defense – because businesses can be sued even if they did nothing wrong.

  • Workers’ compensation provides benefits to employees for work-related injuries or illnesses including medical care, wages from lost work time, and more. It also provides a deceased workers’ family with a financial benefit. If a workers’ family decides to sue a company, it can also help cover the related legal fees.

  • Commercial Auto Insurance helps your business cover the financial costs resulting from an auto accident if you or an employee is found at fault. Commercial auto insurance helps pay for damaged property and medical expenses – even in the event of a fatal accident.

Life Insurance

Life insurance is a crucial step in planning for your future and the future of your loved ones.

  • Life Term Insurance provides life insurance protection for a specified period of time. Term life is sometimes convertible to permanent coverage, providing you with flexibility as your needs change.

  • Whole Life Insurance is a form of permanent life insurance that remains in force for your entire lifetime, provided premiums are paid as specified in the policy.

  • Universal Life Insurance is a form of permanent life insurance characterized by its flexible premiums, face amounts and unbundled pricing structure. The savings element, premiums and death benefit can be reviewed and altered as a policyholder’s circumstances change.

Individual Health

This type of coverage is purchased on the private market by a single person for themselves or their families. This coverage can cover more than one person (i.e. the entire immediate family) and is not “just for one person” as some people commonly mistake the “individual” in “individual health insurance” to mean.

  • The Affordable Care Act helps to reform the healthcare system by giving more Americans access to quality, affordable health insurance, and helps to curb the growth of healthcare spending in the U.S.

  • For most Americans getting minimum essential coverage will mean buying a qualified health plan either inside or outside the health insurance marketplace, getting covered through work, or getting public health insurance through Medicare, Medicaid, and CHIP. Please see the types of minimum essential coverage above to know all your options.

Group Health

Group health insurance coverage is a policy that is purchased by an employer and is offered to eligible employees of the company (and often to the employees’ family members) as a benefit of working for that company. A group health insurance plan is a key component of many employee benefits packages that employers provide for employees.

  • The majority of Americans have group health insurance coverage through their employer or the employer of a family member. One of the advantages for employees in a group health plan is the contribution most employers make toward the cost of the health coverage premium.  In addition, most employers have established Premium Only Plans (often called POP plans) that allow employees to pay any employee-required contributions to premiums on a pre-tax basis.

  • The Affordable Care Act requires that insured small group plans offer health plans that meet certain benchmarks. The benchmarks are represented by the metal levels of platinum, gold, silver and bronze. Each metal level tier plan is designed to provide the same average level of benefit to an enrollee.

  • No individual employee who is eligible for benefits can be excluded from large group coverage based on medical history. Federal law mandates all group insurance contracts, including large group contracts, be renewed every year at the employer’s discretion, unless there is non-payment of premium, the employer has committed fraud or intentional misrepresentation, or the employer has not complied with the terms of the health insurance contract.

Long-Term Disability

Long term disability insurance through your employer can provide a steady stream of income to help cover essential expenses during an extended illness or after a disabling accident.

  • Covers essential living expenses: can help pay for food, clothing, utilities, your mortgage, car payments and more
  • Direct monthly payments:  receive a portion of your salary paid directly to you each month if you’re unable to work (after initial waiting period)
  • Rehab incentives:  coverage may include financial incentives designed to help you transition back to work
  • Easy claims filing:  report claims online or by phone
  • Competitive rates:  this group coverage is offered only through your employer

For complete plan details, talk to your company’s benefits administrator.