A proper insurance risk analysis will show you what you have to lose financially and how you can protect against that risk. We have many tools to help you determine this whether it is determining how much the rebuilding cost of your home is or, what your spouses income loss will be if you would die. It is important to be “actively” aware of your risk as we naturally tend to worry about other things.
In this litigious climate personal liability is another big area of risk mitigation we tackle. It is important to us that our clients have legal liability limits higher than their exposure. If a suit is brought against you because of a car accident you cause or a slip & fall on your property we want to make sure you can continue living your life with minimal disruption. We also have tools to increase your underlying liability limits over all your exposures.
If you die what is the loss of your income and presence to your surviving family members? Will your spouse have to get a second job or pay for child care in order to make up for your lost income? This are issues we don’t want to think about but would mean the world to our family if the unthinkable should occur. Not only in the event of your death but in the event of a disability.
We perform risk analysis on request. If you have a question about your risk contact us today.