- Auto InsuranceYou can’t prevent the unexpected from happening, but you can protect yourself from the financial impact it makes. Talk to your local insurance agent to learn more about our auto insurance policies and to receive a free car insurance quote and auto coverage comparison. Our automotive insurance policies cover cars, trucks, motor homes, motorcycles, trailers, campers, recreational vehicles, commercial fleets, antique cars, and classic vehicles.
- Mobile Home Insurance
- Inland Marine Insurance
- Truck InsuranceAs a private carrier, you are responsible for hauling goods in your own truck for your company or employer. Whether you’re working in construction, excavation, manufacturing, or any other private carrier capacity, we have truck insurance solutions for you.
- Renters Insurance
- Home InsuranceJuffer Inc. is your trusted solution for homeowners insurance. We offer coverage options that are both flexible and affordable, and will work with you on an individual basis to find a policy that best suits your needs. Our team is dedicated to providing the assurance that your family and your possessions are secure.
- Condo Insurance
- Life InsuranceLife insurance is different, however. Someone – the policyholder, their loved ones, their business, a charity – will ultimately receive a benefit. Your investment isn’t a back-up plan … it’s a definite plan.
- Health InsuranceWhen you have health insurance, the insurance company pays a portion of your medical expenses. The amount the insurance company will pay, and the services that are covered (coverage) varies by plan.
- Long Term CareAs an employer, you know the importance of benefits to your employees. It is essential for attracting new employees as well as maintaining your current personnel. Whether you have 2 or 200 employees, Perspective Insurance can help. We have access to numerous companies to help you find a benefit package that fits your needs and budget. From small group plans to self-funding, Perspective is your source for all your group health needs. Long Term Care – this coverage, also referred to as nursing home coverage, may be one of the most important forms of asset protection you can buy.
- Business InsuranceAs a business owner, you have enough on your mind without having to worry about your insurance needs. You want to have the confidence that the business you’ve built is covered by a company that understands your business insurance needs.
- Commercial Property InsuranceCommercial property insurance is a special type of insurance that covers the company building as well as the contents owned by the company. “Property” can include a variety of types: lost income or business interruption, buildings, computers, money, and valuable papers.
- Workers Compensation InsuranceOccupational Accident – Product designed specifically for owner operators in the trucking industry. In most states, by being self-employed owner operators can opt out of state mandated workers compensation coverage. While not the same as workers compensation, occ/acc is similar in scope and intent. Most motor carriers require their leased operators to be covered either by workers compensation or occ/acc at the leased operators expense. For those who qualify, occ/acc is generally a lower cost alternative.
- Commercial Liability InsuranceCommercial General Liability Coverage – The Commercial General Liability Policy provides the insurance protection needed to pay damages for bodily injury or property damages for which the insured is legally responsible. The policy provides coverage for liability arising from personal injury and advertising injury. Coverage for medical expense is also provided. The policy also covers accidents occurring on the premises or away from the premises. Coverage is provided for injury or damages arising out of goods or products made or sold by the named insured. The insured is the named insured and the employees of the named insured. However, several individuals and organizations, other than the named insured, may be covered, depending upon certain circumstances specified in the policy. In addition to the limits, the policy provides supplemental payments for attorney fees, court costs and other expenses associated with a claim or the defense of a liability suit.
- Professional Liability InsuranceSome, but not all of the policies, will also offer business income and extra expense protection after an insured loss. BOP policies do not contain all of the coverage needed by a small business. Notably they do not cover any workers’ compensation, professional liability, or business vehicle coverage.
- Builders Risk InsuranceBuilders Risk Insurance is a policy is designed to provide coverage for buildings while under construction. It covers the contractor’s interest in materials at the job site before they are installed, materials in transit intended for the job, and the value of the property being constructed until it is completed and accepted by the owner. The policy may be written to cover the whole structure for new construction or the cost of remodeling and renovation projects. It can also be used to cover specific projects, such as a new room addition, a deck, or a remodeled bathroom.
- Restaurant InsuranceWhether you run a small cafe or a national chain, you could be held liable for anything from contaminated or spoiled food to spilled coffee. That’s why you deserve an insurance company with commercial restaurant insurance coverage specifically designed for the risks you face.
- Liability InsuranceContractor’s General Liability insurance is for residential and commercial builders, general contractors, construction managers, design and build firms, specialty contractors or subcontractors, owners or public and private construction projects.