Our Services
No one really wants to think about life insurance. But if someone depends on you financially, it’s a topic you can’t avoid. In the event of a tragedy, life insurance proceeds can:
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Pay for funeral costs
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Help pay the bills and meet ongoing living expenses
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Pay off outstanding debt, including credit cards and the mortgage
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Continue a family business
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Finance future needs like your children’s education
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Protect a spouse’s retirement plans
An auto insurance policy is comprised of six different kinds of coverage. Most states require you to buy some, but not all, of these coverages. If you're financing a car, your lender may also have requirements.
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Auto insurance provides property, liability and medical coverage:
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Property coverage pays for damage to or theft of your car.
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Liability coverage pays for your legal responsibility to others for bodily injury or property damage.
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Medical coverage pays for the cost of treating injuries, rehabilitation and sometimes lost wages and funeral expenses.
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It is important to know that homeowners insurance is meant to cover unexpected damage, not routine maintenance. Ask your agent to talk about what is covered and be sure to read your policy so you know exactly what's included and what is not.
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If your home was destroyed by fire or damaged by a natural disaster, you'd need money to repair or replace it.
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If a guest in your home is injured, liability protection and medical coverage help pay expenses.
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If you are a victim of theft and vandalism, it can reimburse you for your loss or pay for repairs.
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If you are still paying for your home, your lender will require insurance.
To protect employers from lawsuits resulting from workplace accidents and to provide medical care and compensation for lost income to employees hurt in workplace accidents, in almost every state, businesses are required to buy workers compensation insurance.
Workers compensation insurance covers workers:
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Injured on the job
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Hurt on the workplace premises or elsewhere
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Hurt in auto accidents while on business.
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Work-related illnesses.
General Liability pays losses arising from real or alleged bodily injury, property damage, or personal injury on your business premises or arising from your operations.
Broad Range of General Liability Protection
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Bodily Injury, including the cost of care, the loss of services, and the restitution for any death that results from injury.
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Property Damage coverage for the physical damage to property of others or the loss of use of that property.
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Products-Completed Operations provides liability protection (damages and legal expenses up to your policy's limit) if an injury ever resulted from something your company made or service your company provided.
A Business Owner's Policy (BOP) is an affordable insurance package for small businesses that bundles General Liability Insurance and Commercial Property Insurance.
Basically, BOP Insurance protects your business by covering some of the most common risks it faces, including:
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Lawsuits over customer injuries or property damage.
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Lawsuits over defamation, copyright infringement, slander, and other advertising injuries.
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Damage to your equipment, furniture, and other business property.
ABOUT US
As the owner of my own agency, I work directly with my clients to help them find the most comprehensive and reasonably priced Home, Auto, and Business insurance products for their particular needs.
As an independent agent, I have access to well over 50 carriers and the skills and knowledge to give you the best options for insurance available.
“Patty is not just a wonderful insurance agent, she is fantastic. She is very knowledgeable and thorough. Most agents forget about your needs once they have you as a client, but Patty is always checking to make sure you are covered and what is best for your needs. There are so many positive things about Patty Hood, we could go on and on.”
-Walter and Janice Hensrud