A wide variety of products
We personally review your coverage to help you get the most amount of coverage for the least amount of money! J9 Insurance Agency participates with multiple national insurance carriers and is able to compare insurance coverage options, pricing, and value to ensure our customers are receiving the best insurance coverage possible.
Click on a coverage type to see what we offer:
If you can drive it, we can cover it! Whether it's a seldom used company car, or an essential line of delivery vans we have the coverage you need.
➤ Your vehicles are essential to your business' profit.
➤ When they're out of commission so are you.
➤ You need coverage you can count on.
Your commercial vehicles need the same coverage your personal vehicle needs. Any vehicle you or your employees use for business should be covered by Commercial Auto Insurance. Commercial Auto Insurance is designed to work with your Business or Contractor Liability Policy and fill in the gaps that may not be covered by Business of Contractor Liability Policies. Let us help you get started today.
We can help protect your business from a lawsuit with Commercial Liability Insurance (also known as Business Liability Insurance).
Here are some of the basic lawsuits we can protect you against:
➤ Products and Completed Operations
➤ Employment Practices Liability
➤ Data Breach and Cyber Liability
➤ Premises and Operations
The single biggest investment you may make in life is your home.Let us review your homeowner’s policy with you and make sure you are protected and there are no gaps in coverage.
Basic coverage Included in Homeowner’s Policies:
➤ Property Damage coverage is designed to help pay for damage to your home and personal property.
➤ Other Structures coverage will help protect unattached structures and generally coverage is 10% of the amount for which your home is insured.
➤ Personal Property coverage helps pay for a loss of your personal possessions.
➤ Valuable Personal Property provides coverage that is broader than the coverage in your standard homeowner’s insurance policy.
➤ Personal Liability Coverage helps protect you against a non-auto claim in which you were at fault. Liability coverage in your policy covers both the cost of defending you and damages the court orders you must pay. Liability insurance does not have a deductible that you must meet before the insurer begins to pay losses.
➤ Medical Payments Coverage is designed to pay for an injury to someone OUTSIDE your family. It can also help settle “small” injuries outside of court before they become BIG claims in court.
➤ Additional Living Expenses allows you to move into a hotel or apartment for period of time because of damage caused by a covered loss, your homeowners policy will normally cover the stay, subject to policy limits.
Your insurance needs are unique; therefore we believe in person to person service. Call or e-mail a J9 Insurance Agent for an estimated premium, policy and company details, and qualification requirements. We work with several insurance companies and rates and coverage conditions vary and we will help you determine which application to use and guidance on how to put insurance in force.
➤ Horse Insurance
➤ Higher Valued Animal Insurance
➤ Livestock Transit Insurance
➤ Feedlot, Pasture & Dairy Cattle Insurance
If you rent a home, your landlord only insures the building you live in, not YOUR personal belongings. Renters Insurance will cover you if there is a fire or other catastrophe.
Renters Insurance includes:
➤ Personal Property - Your Renters Insurance policy can help replace your personal belongings in the event of a covered loss. Common losses are due to not only fire and theft, but also accidental and sudden discharge of a sprinkler system. Water damage can be as destructive as fire- don’t get caught without the right insurance!
➤ Loss of Use - Your Renters Insurance policy can pay the additional costs of living in hotels, eating in restaurants, etc., while you are out of your home due to a covered loss.
➤ Personal Liability Coverage - This coverage gives you liability protection against claims caused by almost any unintentional act, and will help pay legal expenses to defend such a claim.
➤ Personal Articles - Discuss with us coverage for your valuable articles, such as jewelry, furs or collectibles, when their value is higher than the limits stated in your policy.
➤ Contents Replacement Cost - This option extends the coverage on your personal property to include the ACTUAL cost of repair or replacement without deduction for the depreciation. There are, of course, policy limits, so ask us for details.
What happens when your Auto and Home Liability coverage RUNS OUT?
An Umbrella Policy is inexpensive compared to the cost of a lawsuit. It can provide coverage for up to one, two or even five million dollars OVER and ABOVE the liability limits of your basic homeowners and auto policies.
There are some qualifications, and not everyone can get an Umbrella Policy. It also may not be right for you but please take a minute and contact us because we know the right questions to ask. We can help make sure you are covered properly for the future!