||Financial Services Designed
to Meet Your Needs
Our insurance agencies offer a variety of commercial and personal
insurance services to businesses and individuals.
Insurance: Our agencies offer all forms of commercial property
and liability coverages including Surety Bonding.
| • Property
||• General Liability
||• Workers Compensation
| • Business Owners
Disability Benefits Coverage
| • Inland Marine
||• Commercial Auto
Crime & Fidelity Coverage
| • Builders Risk
||• Directors & Officers
Umbrella & Excess Liability
Our agencies offer an extensive variety of personal insurance products.
| • Personal Automobile
| • Recreational Vehicles
| • Boats
||• Landlords Rentals
| • Excess & Umbrella
||• Antique Automobile
Health Insurance: As health insurance
brokers, our subsidiary, Capital Financial Group, Inc., has the
experience of working with both small and large employer groups
with varying histories of utilization. This expertise has enabled
them to recommend options that best meet the needs of our clients.
Term Life Insurance: Written for
a specific period of time, typically 5, 10, 15 and 20 years, term
life is relatively inexpensive. We offer two types of term life
insurance, level term and decreasing term. Level term holds the
coverage constant while decreasing term is useful when a large amount
of coverage is needed early and diminishes over time.
Long-Term Care Insurance: Planning
for the potential need for long-term care, whether at home or in
a facility such as a nursing home, has increasingly focused on long-term
care insurance as a means of protecting family assets and relieving
family burdens. Our in-house specialist can explain options and
access a variety of policies from a number of carriers to best suit
your needs, including policies eligible under the New York State
Disability Insurance: Disability
income insurance provides replacement income when wages or other
forms of income such as professional fees are lost due to a disability.
It provides the insured with a guaranteed flow of periodic payments
while the individual is disabled.
Sports Insurance: The sports management
division of our subsidiary, Loomis & Lapann, Inc., has developed
insurance programs specifically designed for High School Athletic/Activities
Associations and National Governing bodies. The final product is
the association of working directly with various insurance underwriters
to provide the most comprehensive insurance products available in