Insurance Offerings

Auto Insurance

Auto insurance is required by state laws to protect drivers financially in case of accidents. Full coverage provides broader protection, including liability, collision, and comprehensive coverage, while liability-only insurance covers damage or injury to others in an accident you cause – it does not cover physical damage to your vehicle. Understanding your liability limits is crucial to ensure you have enough coverage to protect yourself from significant financial loss. On Point Insurance Brokers can help you choose the best auto insurance plan for your needs and budget, guiding you through claims and ensuring you’re fully protected.

Homeowners

Your home is often the largest investment you’ll make, and even if you no longer have a mortgage, it’s essential to insure it. While mortgage lenders typically require homeowners insurance to protect their investment, having coverage is equally important for homeowners without a mortgage. Homeowners insurance offers financial protection for your home and personal belongings in case of damage or loss due to events like fire, theft, wind and other perils per policy contracts. It typically includes coverage for the structure of your home, personal property, liability, detached structures and additional living expenses if you need to temporarily relocate. Understanding coverage limits and what specific causes of loss are covered is essential to ensure your home and valuables are adequately protected. On Point Insurance Brokers can help you find the right homeowners insurance policy, tailored to your needs, and assist you with navigating claims to ensure you’re properly covered.

Condo Insurance

Owning a condominium is a big investment, and even without a mortgage, it’s important to have the right insurance. Condominium unit insurance typically covers the interior of your unit—walls in—personal property, and liability protection. This insurance helps protect against damage to your belongings or the unit itself from incidents covered by the policy contract. While the condo association usually covers the building’s exterior and common areas, your policy ensures you’re protected for everything inside your unit. Understanding the coverage limits and what’s included in your policy is key to ensuring you’re adequately protected. On Point Insurance Brokers can help you find the best condo insurance policy for your needs and assist you in navigating claims to ensure you’re well covered.

Renters Insurance

Renters insurance is an essential way to protect your belongings, even if your landlord doesn’t require it. This coverage helps protect your personal property from events like fire, theft, or vandalism, and provides liability protection if someone is injured in your rental unit. While your landlord’s insurance may cover the building itself, it doesn’t protect your possessions or provide liability for accidents within your space. Understanding what is covered in your policy, including specific causes of loss, is key to ensuring you have the right level of protection. On Point Insurance Brokers can help you select the right renters insurance plan and walk you through the claims process to make sure you’re fully protected.

Rental Property Insurance

A rental property insurance policy is essential whether you have long-term tenants or rent your property through platforms like Airbnb. This coverage protects the structure of your property, as well as liability in case of accidents or injuries on the premises. For long-term tenants, the policy typically covers the building itself, while tenants are responsible for their personal belongings. In the case of short-term rentals like Airbnb, additional coverage may be required to protect against the unique risks associated with temporary stays. Understanding the specific coverage offered in your policy is vital to ensure your property is fully protected. On Point Insurance Brokers can help you find the right rental property insurance policy and guide you through the options to meet your needs.

Umbrella Insurance

A personal umbrella policy provides extra liability coverage beyond the limits of your existing auto, homeowners, or renters insurance. This policy helps protect you from large financial losses in the event of a lawsuit or significant claims that exceed the coverage limits of your primary policies. Whether you’re involved in a car accident, face a property damage claim, or deal with injuries on your property, an umbrella policy can offer additional peace of mind. Understanding the specific coverage and limits of your umbrella policy is essential to ensuring you’re protected against unforeseen events. On Point Insurance Brokers can help you determine the right umbrella policy for your needs and guide you through the process to ensure comprehensive protection.

Flood Insurance

Flood insurance is essential for protecting your home and belongings from the devastating effects of flooding, which isn’t typically covered by standard homeowners or renters insurance. Whether you live in a high-risk flood zone or an area with occasional heavy rainfall, having flood insurance ensures you’re financially protected in the event of water damage from floods. On Point Insurance Brokers can help you understand the specific coverage needed for your property and guide you through the process of selecting the right flood insurance policy. Our expert team will make sure you have the protection you need, whether you’re in a flood-prone area or simply want extra peace of mind.

Toy Insurance

Insuring your recreational vehicles, or “toys” like motorcycles, ATVs, dune buggies, side-by-sides, golf carts, snowmobiles, boats, jet skis, and other watercraft, is essential to ensure you’re protected while enjoying your adventures. These vehicles can be expensive to repair or replace if damaged, stolen, or involved in an accident, and having the right coverage helps protect both your investment and your safety. Whether you’re hitting the trails, enjoying the water, or cruising on the open road, On Point Insurance Brokers can help you find the right policy for your recreational vehicles, ensuring you’re covered for all the unexpected moments while you have fun.

Valuable Articles Insurance

Insuring valuable articles, such as jewelry, fine art, collectibles, antiques, and other high-value possessions, is crucial to protect them against loss, theft, or damage. Standard homeowners or renters insurance may offer limited coverage for these items, but a specialized policy for valuable articles provides more comprehensive protection. This ensures that your prized possessions are covered for their full value, giving you peace of mind knowing they are safeguarded. On Point Insurance Brokers can help you assess the value of your valuable items and tailor a policy that provides the right coverage, so you’re fully protected in case the unexpected happens.

Life Insurance

Life insurance is an important step in securing your family’s financial future, providing peace of mind knowing your loved ones will be taken care of if something happens to you. It helps cover expenses like funeral costs, outstanding debts, and future financial needs, such as education or living expenses. Whether you’re looking for term life insurance for temporary coverage or whole life insurance for lifelong protection and cash value accumulation, On Point Insurance Brokers can help you navigate your options. Our team will guide you in selecting the right life insurance policy tailored to your specific needs, ensuring your family is financially protected when they need it most.

Disability Insurance

Disability insurance is a vital safety net that helps protect your income if you become unable to work due to an illness or injury. It provides financial support by replacing a portion of your salary, ensuring you can continue to cover living expenses and maintain your standard of living while you focus on recovery. Whether you’re self-employed, work in a high-risk profession, or simply want to safeguard your future, On Point Insurance Brokers can help you find the right disability insurance policy. Our team will work with you to understand your needs and select coverage that ensures you’re protected in case the unexpected happens.

Health Insurance

Health insurance is essential for managing the cost of medical care, helping you cover expenses for doctor visits, prescriptions, hospital stays, and preventive care. It provides financial protection against unexpected health issues and ensures you have access to necessary treatments without overwhelming medical bills. Whether you’re looking for individual coverage, family plans, or specific options like dental or vision care, On Point Insurance Brokers can help you navigate the complexities of health insurance. Our team will assist you in finding a plan that fits your budget and health needs, ensuring you’re covered when it matters most.

Commercial General Liability Insurance

Commercial general liability (CGL) insurance is essential for protecting your business from claims of bodily injury, property damage, or personal injury that may occur on your premises or as a result of your operations. Whether you are a contractor, repair shop, car dealership, professional or medical office, a retail or grocery store, a manufacturer, a restaurant or any other type of business, CGL insurance helps cover legal costs, medical expenses, and settlements if your business is found liable. This coverage provides peace of mind, knowing your business is protected against unexpected incidents that could harm your reputation or financial stability. On Point Insurance Brokers can help you understand your risks and find the right commercial general liability policy to ensure your business is properly protected.

Commercial Property Insurance

Commercial property insurance is vital for protecting your business’s physical assets, including buildings, equipment, inventory, and supplies, from risks like fire, theft, vandalism, and other risks described in policy contractes. Whether you own a storefront, office, warehouse, or industrial facility, this coverage ensures that you’re financially protected in case of damage or loss to your property. It can also cover lost income if your business is temporarily unable to operate due to a covered event. Whether you run a small business or a large enterprise, On Point Insurance Brokers can help you find the right commercial property insurance policy to safeguard your business assets and keep operations running smoothly.

Commercial Auto Insurance

Commercial auto insurance is crucial for businesses that rely on vehicles for daily operations, protecting company-owned vehicles, employees, and third parties in case of accidents, theft, or damage. Whether you have a fleet of cars, trucks, or vans, this coverage ensures you’re financially protected from potential liabilities and repair costs. Commercial auto insurance typically includes coverage for property damage, bodily injury, and medical expenses, along with options like glass coverage and roadside assistance. On Point Insurance Brokers can help you assess your business’s specific needs and find the right commercial auto insurance policy to keep your operations running smoothly and your vehicles covered.

Commercial Umbrella Insurance

Commercial umbrella insurance provides an extra layer of protection for your business by extending the liability coverage limits of your existing policies, such as commercial general liability, commercial auto, or employer’s liability insurance. In the event of a large claim or lawsuit that exceeds the limits of your standard policies, a commercial umbrella policy helps cover the additional costs, safeguarding your business’s financial stability. Whether you run a small company or a large corporation, this extra coverage is crucial for protecting your assets from unexpected risks. On Point Insurance Brokers can help you assess your business’s needs and find the right commercial umbrella policy to ensure you’re fully protected from potential financial setbacks.

Workers’ Compensation Insurance

Workers’ compensation insurance is essential for protecting both your employees and your business in the event of a work-related injury or illness. It provides coverage for medical expenses, lost wages, and rehabilitation costs for employees who are injured on the job, while also offering liability protection for your business against potential lawsuits. Whether you operate a small business or a large corporation, workers’ compensation insurance is typically required by law to ensure employees are taken care of if they are hurt while working. On Point Insurance Brokers can help you understand your obligations and find the right workers’ compensation policy to provide the necessary coverage and protect your business from financial risks.

Employment Practices Liability Insurance

Employment Practices Liability Insurance (EPLI) is crucial for protecting your business against claims made by employees related to workplace issues such as discrimination, harassment, wrongful termination, or retaliation. Whether you run a small business or a large organization, EPLI helps cover legal fees, settlements, and damages if your business faces an employment-related lawsuit. This coverage ensures that your company is protected from the potentially high costs associated with employee claims and helps maintain a fair and safe work environment. On Point Insurance Brokers can help you navigate the complexities of EPLI and find the right policy to safeguard your business and employees from costly legal disputes

Professional Liability Insurance

Professional liability insurance, also known as errors and omissions (E&O) insurance, is essential for protecting businesses and individuals who provide professional services or advice. This coverage helps protect against claims of negligence, mistakes, or failure to perform services as promised, which can lead to lawsuits from clients. Whether you’re a consultant, contractor, mechanic, veterinarian, lawyer, architect, accountant, or healthcare professional, professional liability insurance ensures you’re financially protected if your professional advice or services result in a financial loss for a client. On Point Insurance Brokers can help you find the right professional liability policy tailored to your business’s needs, ensuring you’re covered in case of a claim.

Builder’s Risk Insurance

Builders’ risk insurance is designed to protect construction projects from damage or loss during the building process. Whether you’re constructing a new building, making significant renovations, or undertaking a large-scale project, this coverage helps safeguard the structure, materials, and equipment from risks like fire, theft, vandalism, and certain weather events. Builders’ risk insurance typically covers damages to the property under construction, as well as materials on-site, and can also extend to temporary structures like scaffolding. On Point Insurance Brokers can help you understand the specific coverage needs for your project and ensure you have the right builders’ risk insurance policy to protect your investment throughout the construction process.

Cyber Liability Insurance

Cyber liability insurance is essential for protecting your business from the financial impact of data breaches, cyberattacks, and other technology-related risks. With businesses increasingly relying on digital platforms, this coverage helps cover the costs of data recovery, legal fees, notification costs, and potential regulatory fines in the event of a breach. Whether you’re a small business or a large enterprise, cyber liability insurance helps protect sensitive customer information, minimize reputational damage, and ensure business continuity following a cyber incident. On Point Insurance Brokers can help you assess your business’s cyber risks and find the right cyber liability policy to safeguard your digital assets and data.