|
|
 
* Please contact us or stop by Hanckel-Citizens'
office for information regarding specific policies.
| |
|
|
PERSONAL
INSURANCE
HEALTH
& LIFE INSURANCE
|
BUSINESS
INSURANCE
(click
any type for more information) |
PERSONAL INSURANCE
Homeowners
States specific amounts of coverage for: the house, attached and detached
structures on the property, and limited personal property and liability
coverage for damage the policyholder or dependants cause to a third party.
click
here for online application for Homeowners policy>
back
to top>
Renters/ Tenant
Covers personal property, additional living expenses if tenant must move
out while home is being repaired (loss of use coverage), and liability
coverage for damage the policyholder or dependants cause to a third party.
contact
us for more information on Renters/Tenant policies>
back
to top>
Automobile
Virginia State Law requires drivers obtain auto insurance including: Collision
for damage to the policyholder's car, Comprehensive for damage not involving
another car (fire, tree, etc), Liability for damage cause to someone else
for bodily injury and property damage, Medical Payments to others for
the treatment of injuries, and Uninsured Motorist Coverage for costs resulting
from a hit-and-run or an uninsured driver.
If a driver does not obtain automobile insurance they must pay the Uninsured
Motorists Fee upon vehicle registration.
click
here for online application for Automobile policy>
back
to top>
Motorcycle
Similar to an Automobile Policy, please refer to Automobile definition
contact
us for more information on Motorcycle policies>
back
to top>
Farm and Estate
A specialty of our agency, farm and estate policies combine residential
and business needs into one policy. Available property and liability insurance
includes:
| • |
Home
and Personal Property |
| • |
Personal
and Business Liability |
| • |
Business
Property |
| • |
Mobile
Agricultural Machinery and Equipment Coverage |
| • |
Livestock
and Poultry Coverage |
contact us for more information on Farm/Estate policies>
back
to top>
Flood Insurance
Coverage for flood damage available through insurance agents from the National
Flood Insurance Program of FEMA. To qualify for the National Flood Insurance
Program (NFIP) a property must be in a community that participates in the NFIP.
click here to find out if your community participates in the NFIP (FEMA website)>
contact us for more information on Flood Insurance
policies>
back
to top>
Personal Excess Liability
Sometimes referred to as an Umbrella, this type of policy offers additional
liability coverage for bodily injury or property damage the policyholder
or dependants cause to a another person. This type of policy cannot exist
on its own; it must be "stacked" on top of existing personal liability coverage
from another policy, such as an Automobile or Property Policy.
contact us for more information on Personal Excess
Liability policies>
back
to top>
Collections, Jewelry and Fine Arts
Valuable articles policy (also called individual article floater, or scheduled
personal property) insures specific types of personal property
for specific amounts. It is important to note, personal property coverage
under a homeowner's policy offers limited coverage for jewelry, watches,
furs, fine art, guns and special collections (such as wines), making the
need for these policies frequent.
contact us for more information on Collections, Jewelry,
and Fine Arts policies>
back
to top>
Boats and Yachts
These policies may include hull, motor, and liability coverage.
contact us for more information on Boats and Yachts
policies>
back
to top>
COMMERCIAL INSURANCE
Business Owners Policy (BOP)
All inclusive package of coverage for small to medium businesses. Optional
coverage can be tailored based on individual needs.
contact
us for more information on Business Owners (BOP) policies>
back
to top>
Commercial General Liability (CGL)
An extensive commercial policy that covers liability exposures of a business
not specifically excluded. Coverage includes completed operations, product
liability, premises and operations, and independent contractors.
contact
us for more information on Commercial General Liability (CGL) policies>
back
to top>
Commercial Inland Marine
Covers articles in transit by land and air transportation, instruments of
communication and transportation (bridges and tunnels).
contact
us for more information on Commerical Inland Marine policies>
back
to top>
Contract Bonds
Bonds of various types guarantee reimbursement resulting from dishonesty,
failure to perform and other acts.
contact
us for more information on Contract Bonds policies>
back
to top>
Business Income Coverage
Covers loss of business income and extra operating expenses due to an
interruption of normal business operations.
contact
us for more information on Business Income Coverage policies>
back
to top>
Workers Compensation
State Law requires employers with three or more employees (including employer) to provide certain benefits for workers injured
on the job. Compensation can include medical care, physical rehabilitation
and lost wages.
contact
us for more information on Workers Compensation policies>
back
to top>
Builders Risk
Provides insurance for a structure or building under construction.
contact
us for more information on Builders Risk policies>
back
to top>
Boiler and Machines
Covers damage caused by equipment breakdown, malfunction, and electrical
failure (including boilers, air conditioners, heating, telephone, and computer
systems).
contact
us for more information on Boilers and Machines policies>
back
to top>
Commercial Crime Coverage
Covers loss due to employee dishonesty, burglary, theft and robbery.
contact
us for more information on Commerical Crime Coverage policies>
back
to top>
Surety Bonds
Bonds: Administrator, Assignee, Court, Decedent Debt, Executor, Fiduciary Guardianship,
Judicial, License, Litigation, Lost Instrument, Miscellaneous, Permit, Public
Official, Trustee, and others.
contact
us for more information on Surety Bonds policies>
back
to top>
Excess and Surplus Lines
Insurance market for unique insurance needs, policies offer greater
flexibility and conditions than standard state-regulated insurance companies.
contact
us for more information on Excess and Surplus Lines policies>
back
to top>
LIFE AND HEALTH INSURANCE
Our services include; Group & Individual Health, Group &
Individual Life, and Financial Planning.
We have a specialized department focused specifically on these needs.
contact our
Life and Health Insurance Department for more information>
back
to top>
|
 |
