Services

We offer a complete consultation to ensure that you are adequately protected!

Property and Casualty • Home and Auto Insurance

Home

Home Owners
You've worked hard to achieve home ownership. Now take advantage of one of our superior, state-of-the art packages of protection that has been designed specifically with today's home owner in mind.

Our coverage includes the following:

Guaranteed Replacement Cost – Dwelling
Replacement Cost Settlement – Contents
Water Backup of Sewers and Drains

Renters / Tenants
Many renters overlook the necessity of having this important protection.

Our coverage includes the following:

Personal Belongings
Theft
Personal Liability
Renters Plus Coverage

Our rates are competitive and we offer attractive, convenient payment plans!

Auto
Auto insurance helps provide you with peace of mind. Whether you are buying your first car or you have a teenager who is preparing to hit the road for the first time, you want to protect your loved ones and your property. Not only are you protecting yourself and your loved ones by getting auto insurance, you are also satisfying state requirements since most states require a minimum level of insurance.

Our coverage includes the following:

Medical Expenses Resulting from an Accident
Financial Protection from Lawsuits
Protection for Your Investment in Your Automobile
Losses Caused by Uninsured or Underinsured Drivers
Damage Due to Theft, Vandalism or Natural Disasters

Insurance for watercraft, motorcycles, all-terrain vehicles, motor homes and trailers is also available. To help provide you with the peace of mind that you are looking for, you will have to make some important decisions about your automobile insurance. How much coverage do you really need? How can you save some money and still get the protection you need? To find answers to these important questions, contact one of our local agents who will not only provide a competitive quote but who will also provide the individual counsel you need to make the right decision.

Property & Casualty • Commercial Business & Agriculture

Commercial / Business
When it comes to understanding your commercial insurance requirements and ensuring that your company is offered exceptional protection at an affordable price, our insurance agency provides unprecedented service. As business owners ourselves, we understand how important value is. Our relationships with a wide range of insurance companies ensure that your commercial insurance program is customized for your business based on your budget and commercial requirements.

Our commercial insurance services include the following:

Commercial Insurance Services
Property Insurance
Builder’s Risk
Tools and Equipment
Mechanical and Electrical Breakdown
Transit and Cargo
Industrial Insurance
Professional Liability Insurance
Employee Dishonesty
Medical Malpractice
Employment Practices Liability
Loss of Income
Business Auto
Garage Liability
Workers' Compensation
Directors' and Officers' Liability
Surety Bonds

Farm Insurance
Your farm is one of your most prized possessions. Don’t get caught unprotected against severe weather, accidents or theft. You can insure your dwelling, personal property, farm buildings, farm machinery and farm animals all on one policy. You can also protect against loss from legal liability and medical expenses that arise from bodily injury and property damage to others.

Our coverage includes the following:

Farm Equipment
Farm Animals
Home / Dwelling on Farm Property

Life and Health Insurance

Life Insurance

Individual Life
Many people think that life insurance is only for those with families. While it is true that life insurance can help provide for the needs of dependents when you pass away, it's also important for someone who is only starting out – or for someone who's starting over.

Individual insurance can provide financial security for your family or business, but where do you start? There are so many policies available today that it can become very confusing. We can make the process of choosing the right coverage a less painful experience, and we can offer a full line of products for all your needs. Everyone, regardless of age, needs life insurance protection.

Individual Products

Universal Life – Total Flexibility in Premium, Death Benefit and Investment Element
Traditional Life – Whole-Life and Interest-Sensitive Contracts Offering High-Yielding, Tax-Deferred Cash Values
Variable Life – Governed by the Securities and Exchange Commission Due to Investment Focus and Sold Only Through Prospectus
Mortgage Life
Mortgage Disability Income
Term Life
Disability Income
Business Insurance
Estate Planning

Survivorship Life Insurance
Long-Term Care

Health Insurance

Individual Health
The importance of individual health insurance cannot be overstated – you need health insurance – and the time to get it is before you have an accident, suffer a serious illness or encounter some other health problem. Our agents are ready to help you find the right health coverage for you at the best value.

Some of the individual health products that are available include the following:

Traditional Major Medical Plans
Hospital / Surgical Plans
High-Deductible Plans
Medical Savings Accounts
Medicare Supplement Plans
Specific Tailored Plans

Disability insurance can provide peace of mind and remove the uncertainty in the event that an accident or sickness makes someone incapable of working.

The portfolio of products includes the following:

Short-Term Disability
Long-Term Disability
Disability Income Insurance for a Key Businessperson

Monday – Friday: 8 a.m. – 5 p.m.

(517) 627-3245 • (800) 542-4503 • dotyagcy@comcast.net 850 East Saginaw Highway, Grand Ledge, MI 48837

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