Insurance Services
Automobile Insurance
From the time you were 15 or 16 you probably had an infatuation with your car. Whether it was a beaten-up rust bucket you purchased on your own, or a brand-new plush luxury car that your parents gave you, chances are you spent a good portion of your teenage years doing something in or around your car. And, as the years pass, that probably hasn’t changed much. But how do you make sure that the car you love and on which you rely is there when you need it? After all, very few people have...
Business Owners (Commercial) Insurance
Owning a small business is hard work, but our customers who have chosen this path know that it is also very fulfilling. Being able to be your own boss and call the shots brings with it a sense of satisfaction and accomplishment. If you’ve worked hard to build up your business, you should have Business Owner's (commercial) insurance to help protect the fruits of your labor. What is Business Owners (Commercial) Insurance? Business owners insurance covers you and your business in the...
Business and Commercial Auto Insurance
In some industries, the vehicles of a business are its lifeline. Vehicles get employees to appointments, deliver goods, and sometimes act as the instrumentalities of the business itself. Of course, any time you use vehicles, there is a chance that something could happen. Don’t let an inadvertent collision ruin your business. Consider which auto insurance policy is best for the needs of your business and the risks that you are most likely to face. What is Business and Commercial Auto...
Homeowners Insurance
For years, the American Dream has involved purchasing a house and having your own place to call home. But what about all those things that can happen to your home? As a homeowner, there are many new issues to consider that may not have been relevant when you were renting. Issues such as what to do if there is a fire, or a bad storm that damages the property. Or what you’ll do if someone comes to visit you and is injured while on your property. Fortunately, there is an insurance product...
Flood Insurance
Unlike some risks such as the risk of a fire or burglary, there is not much you can do to prepare for or minimize the chances of a flood occurring. When your area floods, it will flood regardless of whatever precautions you may have taken. Making matters worse, many basic homeowners insurance policies will not cover damage resulting from a flood, meaning you could be left high and dry when it comes to covering your losses. That’s why we at Highmark Insurance are proud to offer flood...
Excess Flood Insurance
Many people who purchase flood insurance get it from the National Flood Insurance Program. The NFIP policies are backed by the federal government, meaning they are generally regarded as being reliable and sound. However, NFIP insurance policies only go up to $250,000. While it may sound like a lot of money $250,000 is not that much when you consider the potential damage a flood can cause. For that reason, many of our customers with flood insurance seek further protection by purchasing excess...
Motorcycle Insurance
Purchasing a motorcycle opens the door to an entirely new way of travelling. You have the opportunity to see and experience the open road in a way that simply cannot be matched by driving in a car. What’s more, a motorcycle will usually come with superior fuel efficiency, lower maintenance costs, and other advantages. However, owning a motorcycle can be expensive. A collision that may only slightly damage a larger vehicle can end up doing significant damage to a motorcycle. And, as...
General Liability Insurance
For some businesses, purchasing a full business owner’s policy may not be the best choice. This is because a business owner's policy often includes insurance coverage for a business’s land and buildings or business property. If your business does not own any land or buildings, you may not need the excess coverage involved in a business owner’s policy. However, you still need coverage to protect your business in the event that something takes place when you are on the...
Recreational Vehicle Insurance
You’ve worked hard for your recreational vehicle. Whether it’s a motor home to let you travel and see the country, a boat for those weekend getaways on the lake, or even a recreational vehicle such as an ATV or an aircraft, it’s yours, and you want to do your best to keep it operating and in good repair. However, traditional forms of automobile insurance may very well not provide you with the coverage you need. That’s why we at Highmark Insurance offer special...
Renters Insurance
If you rent the property where you live or conduct business, you might think that you don’t need insurance. After all, in the event of a catastrophe, it won’t be your property that is put at risk, right? Unfortunately, this simply is not the case. While you may not have any risk when it comes to damage to the land or structure, you certainly do have the risk of loss or damage to your personal possessions. For this reason, you need renter’s insurance. What is Renter's...
Watercraft & Boat Insurance
Owning a boat or other watercraft brings with it a different set of considerations than those of owning an automobile. Not the least of these considerations is the insurance policy you will use to protect your belongings. Watercraft & boat insurance is an important part of protecting yourself from the potential loss that could result in the event of an unforeseen incident. What is Watercraft & Boat Insurance? Watercraft & boat insurance is the insurance policy you use to...
Windstorm Insurance
If you own a home, business, office, or other structure, there is no shortage of ways that you can be exposed to loss. The risk of loss from fire, hail, flooding, vandalism, or other occurrences is real. On top of these, you face a risk of loss from a windstorm, particularly if you live in the Midwestern part of the country. Even outside of this corridor, if weather conditions are right, it is possible to suffer significant losses from a windstorm. That is why we at Highmark Insurance bring...
Umbrella Insurance
Many policies include liability coverage up to certain ‘standard’ limits – your homeowner’s policy will include personal liability, your auto insurance will include automobile liability, and your business owners policy will include commercial general liability and so on – all essential to protect you from the costs of legal defense and any judgements against you. However, what if the judgement against you exceeds the limit of your policy? Who is responsible for...
Worker's Compensation Insurance
What happens when an employee is injured while on the job? What if the injury is such that he or she can no longer work, or can only work at a reduced level? Who should bear the risk for actions that are taken in the scope of employment, irrespective of whether the actions were careless or negligent? If you have ever pondered this matter—or even if you haven’t—you should know about Worker’s Compensation insurance. What is Worker’s...
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