Why Choose Targett and Associates?
Targett and Associates can save you time, money and worry. Just like an accountant or lawyer who provides you with professional advice, based on years of training and experience, Targett and Associates can do the same with your insurance.
Insurance can be incredibly complicated to fully understand, and an insurance broker can help you understand the details of a policy and also work out what level of cover you need so that you are properly protected.
Using a broker doesn’t necessarily cost more. Often it costs less because brokers have knowledge of the insurance market and the ability to negotiate competitive premiums on your behalf. In addition, because insurance brokers deal with a range of insurance companies directly, sometimes they can access policies that are not available to most consumers.
If the worst happens and you do have to make a claim, a broker will act on your behalf, liaising with the insurance company to negotiate the best possible outcome for the client. So, whether it’s home, car, life or business insurance, brokers are the best, most trusted source of advice available to make sure you are properly protected.
Umbrella Insurance Solutions
If you are ever sued, your standard homeowners or auto policy will provide you with some liability coverage, paying for judgements against you and your attorney’s fees, up to a limit set in the policy. However, in our litigious society, you may want to have an extra layer of liability protection. That’s what a personal umbrella liability policy provides.
An umbrella policy kicks in when you reach the limit on the underlying liability coverage in a homeowners, renters, condo or auto policy. It will also cover you for things such as libel and slander.
Small to Corporate Insurance Solutions
Businesses need business insurance for many reasons. One reason is that in the US, most states require certain coverages in order for a business to operate there. This usually includes workers’ compensation, unemployment insurance and disability insurance. Business insurance can also help cover the costs of legal claims made against a business.