Protect Your Business, Farm, or Rental Property

Life Insurance for Business Owners

life-insurance-business-howe-insurance-storeLife insurance provides money for the loss of a key employee, to fund buy/sell and cross-purchase agreements, and to pay off debt.

While life insurance comes in three forms – term life insurance, whole life insurance, and universal life insurance, we specialize in term life insurance. It fits our mission: to help you pay less and protect more.

You may have seen or heard ads for “cheap life insurance”. You can purchase insurance by going to their website or calling their 800# or you can let us shop for you. We use the same 25+ insurance carriers as them. In either case, the rate is the same.

So the choice is yours:
Would you rather buy from a faceless company or come to us for the local touch?

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Group Health Insurance

group-health-insurance-howe-insurance-storeGroup health insurance provides dollars for your employees’ medical costs. Under the Affordable Care Act (ACA), you are mandated to provide this coverage if you are an employer with fifty or more employees.

We represent four ACA-approved group health insurance companies. We shop for you and present you with the options which best fit your needs and budget.

The bottom line? You will pay less and protect your employees more.

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Business Owners Policy

business-owners-policy-howe-insurance-storeA Business Owners Policy (BOP) is the best way to go for most small businesses. Rather than buying coverage separately, you can buy a pre-packaged bundle of protection.

The package includes property insurance for buildings and contents, business interruption insurance, and liability protection.

While it doesn’t cover everything – you may still need commercial auto insurance, workers compensation insurance, professional liability insurance, umbrella insurance, etc. – bundling the coverages means you pay less and protect more.

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Commercial Package Policy

commercial-package-property-howe-insurance-storeLike a Business Owners Policy (BOP), a Commercial Package Policy (CPP) is a package of coverages. Whereas a Business Owners Policy is pre-packaged, we custom-design your CPP.

As you might imagine, a Commercial Property Package is generally the best choice for larger businesses.

We start with a thorough review of your risk exposures and then select coverages a la carte so you pay less and protect more.

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Commercial Auto Insurance

commercial-auto-insurance-howe-insurance-storeCommercial auto insurance pays your business cash if one of your business’ vehicles is in an accident.

Compared to personal car insurance, commercial auto insurance includes coverage for things like an employee driving their own car for work purposes.

When it comes to purchasing commercial auto insurance, you have a lot of options. We will help review your coverage needs and then shop for the best rates from our pool of insurers so you pay less and protect more.

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Inland Marine Insurance

inland-marine-insurance-howe-insurance-storeInland marine insurance covers losses to business property which is away from the business location.

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Workers Compensation Insurance

workers-compensation-insurance-howe-insurance-storeWorkers compensation insurance (work comp) pays medical bills and lost wages for injuries sustained by an employee during the course of business operations.

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Professional Liability Insurance

professional-liability-lnsurance-howe-insurance-storeProfessional liability insurance (PLI) – also known as professional errors and omissions (E&O) insurance – is a type of insurance which covers the judgements, settlements, and defense costs if a client sues because they believe the promised result was not delivered.

Even in cases where the client doesn’t prevail, the cost to defend one’s self can impact even large companies significantly. Professionals liability insurance should be carried by:

  • insurance agents
  • accountants
  • lawyers
  • dentists
  • chiropractors
  • pharmacists
  • funeral directors

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Landlord Insurance

landlord-insurance-howe-insurance-storeLandlord insurance puts cash in your pocket to rebuild or repair rental property. It also includes personal liability coverage for an injury on your property for which you are found liable.

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Crop Insurance

crop-insurance-howe-insurance-storeCrop insurance (commonly called hail insurance) and federal crop multi-peril insurance cover damage to your crops due to hail, wind, or a catastrophic drought.

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Bonds

bonds-howe-insurance-storeA surety bond is a contractual agreement in which an insurance promises to pay an oblige (e.g. the project owner) a specific amount of money for damages if a principal (e.g. a contractor) fails to meet an obligation

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