Insurance Products
We take pride in our consultative approach; at Kevin Panter Insurance we take the time to understand your changing insurance needs, and will put a business insurance program in place that will deliver economy, superior protection, and risk management assistance.
Personal Insurance Products (Auto and Home Insurance)
- Homeowner Insurance
One little policy does a lot. A homeowner policy reimburses you for damage to your home from a variety of causes. If your home is totally destroyed or you cannot use it for a period of time, your homeowner policy will also cover that. The insurance extends to your home's contents and liability for damage to property of others or injury caused to someone by you or a family member. Your policy can be personalized to include greater levels of protection for important property, home office situations, liability for boat ownership and additions and alterations to your residence.
- Personal Auto InsuranceYou need to protect yourself should your vehicle be damaged or stolen. Just as important, you need insurance for liability - property damage or injury to others caused by you and other household members as a result of operating a motor vehicle. Other policy features include medical payment reimbursement and reimbursement for injury caused to you by an uninsured or inadequately insured driver. There are many special situations where you may need to customize your policy; examples include installation of custom audio equipment, business use of your auto and teenage and guest drivers, to name a few.
- Boat and Jet Ski Insurance
One policy includes protection against loss to your boat, jet ski, motors, trailers and equipment and liability for property damage or physical injury to others caused by you or other boat operators.
- Condo Insurance
One little policy does a lot. A condominium insurance policy reimburses you for damage to your condo, from the walls in, and from a variety of causes. If your condo is totally destroyed or you cannot use it for a period of time, your condo owners policy will also cover that. The insurance extends to your condo's contents and liability for damage to property of others or injury caused to someone by you or a family member. Your policy can be personalized to include greater levels of protection for important property, home office situations, liability for boat ownership and additions and alterations to your residence.
- Dwelling Fire InsuranceDwelling Fire Insurance is designed to insure residences you own or have a financial interest in but do not live in. Common situations calling for this type of insurance coverage include rental homes, homes that are vacant because they are temporarily uninhabitable or are not currently occupied because of a transition caused by a sale or relocation. In these situations insurance protection is needed for the building but typically not for any contents. Liability insurance for the property can sometimes be added or may be handled through alternative approaches.
- Farm and Ranch InsuranceFarm and ranch insurance can be tailored to protect the part-time gentleman farmer to the full scale agribusiness. Plans can include protection for your personal and business assets and legal liability insurance for both personal and farming pursuits. To get a proposal suited to your individual needs, complete our Farm Quote Request form or use the contact link below. And of course, you can always call or stop by to learn more.
- Motorcycle and ATV Insurance
Motorcycles and ATVs have a higher rate of fatal accidents than automobiles. United States Department of Transportation data for 2005 from the Fatality Analysis Reporting System show that for passenger cars, 18.62 fatal crashes occur per 100,000 registered vehicles. For motorcycles this figure is higher at 75.19 per 100,000 registered vehicles, four times higher than for cars. Source.
Motorcycle insurance covers most types of motorcycles including, cruisers, street sport, touring, high-performance bikes and scooters.
- Personal UmbrellaSometimes the coverage limits in our automobile and homeowner policies are not enough. Litigation today results in more and more jury awards for hundreds of thousands or millions of dollars. An umbrella provides extra protection of $1 million or more.
- Scheduled Personal PropertyMany of us have possessions that are not adequately protected by a standard homeowner policy. Examples include jewelry, antiques, oriental carpets, art work, sports equipment, collectibles and firearms. Scheduling important possessions gives you adequate levels of protection, coverage against broader causes of loss and no deductible.
Commercial Insurance (Business Insurance)
- Business Auto InsuranceMaybe your business owns vehicles or maybe you rent or lease them. Maybe you or your employees use personal vehicles to conduct business. If so, you need Business Auto Insurance. A Business Auto Insurance Policy protects your business against injury to others and damage to property as a result of business use of vehicles.
- Business Owners PolicyThink of it as homeowner insurance for your business. This type of policy is appropriate for many small and medium sized businesses. It conveniently includes many types of coverage like liability, building, business property and loss of income.
- Commercial Property InsuranceThis type of policy provides protection from loss, due to a variety of perils, to all kinds of business property including: building structures, furniture, inventory, equipment, and supplies, money and securities and business records. If you have a larger or more complex business you may need the flexibility of insuring your business property through a Commercial Property Policy.
- Liquor Liability InsuranceAny establishment serving alcoholic beverages is exposed to lawsuits charging that liquor was served to an intoxicated person who may later have been involved in an accident. Liquor Liability Insurance is intended to protect food service businesses like restaurants, hotels, and even bed and breakfasts, from liability damages in such cases.
- Product LiabilityYou don't have to manufacture a product to be liable for damages due to injury or loss related to that product. If you are in the business of supplying, selling, or even providing a repair service. There are also 'products' that we don't normally think of as 'products', like the food served in a restaurant, that expose a business to product liability claims. Product Liability Insurance covers all kinds of businesses engaged in making, delivering , selling, or supporting almost any kind of product.
- Professional Liability InsuranceAny professional in any field is expected to possess skills and knowledge resulting from specialized training and experience. When a client or customer believes you have not conducted yourself according the standards of your profession or that you have been negligent in some way you can be sued. Standard business liability policies do not cover these situations. To supplement general liability protection you may need a specialty coverage known as Professional Liability Insurance or sometimes Errors and Omissions Insurance.
- Workers' Compensation InsuranceThis type of insurance pays for medical and rehabilitation expenses for workers injured on the job. Lost wages are also covered. Each state governs the compensation details, including the amounts paid. This is often a mandatory type of insurance.
Individual Health Products
- Health Insurance (Individual)There are more health plans than ever before and increasingly plans are finding ways to balance important financial protection from medical care costs with premium. Budgeting. Let us know what your unique needs are and we will find a program to fit your protection requirements and budget.
- Life Insurance (Individual)Life insurance is an essential part of any financial program. A variety of policies and limits can be used to pay off a mortgage, cover future education expenses, fund a business buy-sell agreement and more. The type of policy and limits you need will depend on your financial goals.
Group Benefits
- Employee BenefitsComprehensive employee benefit plans for the business community including health insurance, disability insurance, long term care insurance, 401-K, dental insurance, life insurance, fixed annuities, mutual funds, retirement plans, sec. 125.
- Group BenefitsLife, health, disability, retirement plans...we have all the options you need to make sure your company's overall compensation plan helps attract and retain the employees you need to give your business a competitive edge.
- Group Health InsuranceHealth insurance is an important benefit for your employees. Having the right plan can give your business a competitive advantage as part of your overall compensation program. In fact, many people who would otherwise be qualified to run their own businesses may work for yours because of access to your benefits program. Let us help you find the best program for you.
- Group Life InsuranceLife insurance is an important benefit for your employees. Having the right plan can give your business a competitive advantage as part of your overall compensation
