A P Schweitzer Insurance Agency, in association with the Strategic Independent Agents Alliance, currently brings Kentucky and Ohio residents insurance products for auto, home, and business.
We give our clients access to top rated companies that offer superior policy services at competitive rates. We make insurance easy. Call us today for a free, no obligation quote for your auto, home, or business. Or get an instant online auto and/or home quote from select carriers.
Basic property, personal belongings, basic liability and medical payments. The protection can cover physical structures on the property and the liability if someone were to get hurt on the property. Extra endorsement’s also available.
Similar to the homeowner’s policy, but covering the condo itself. With condo’s you are only responsible for alterations to your personal unit, not the main structure. These policies have a clause for loss assessment. The condo association assesses this to all of the unit owners for damage to the building, even if not your unit, typically being around $5,000 to $10,000 and sometimes more. Extra endorsement’s also available.
Coverage options are the same as homeowner’s and you can add the park or community that the home is located in as additional insured. See homeowner’s for more information.
Typically covers personal belongings, liability, and medical payments to those on your premises. Extra endorsement’s also available.
This is typically for properties that are rented to tenants for living purposes in which the owner does not live on the premises. If the owner does live on the property they can get the homeowner’s policy with an additional endorsement added. Typically covers building, liability, and medical payments. Extra endorsement’s also available.
Can cover auto, motorcycle, ATV, boat, yacht, houseboats, jetski/seadoo, and RV’s. These policies are written with a minimum of liability to others which includes bodily injury and property damage. Extra endorsement’s also available.
This type of policy is a package policy with liability and property coverages for a small business owner.
This type of policy is a package policy with liability and property coverages for a small business owner.
This is a form of liability insurance which helps protect professionals who offer professional advice and/or service providing individuals and companies from negligence claims. In most cases these policies can be written/endorsed to include the general liability coverage for a person or company as well.
Liability insurance payable to the directors and officers of a company or organization itself as reimbursement for losses or as an advancement of defense costs as a result of legal action alleging wrongful acts in their capacity as directors and officers.
A type of insurance designed to cover consumers of technology services or products; it is intended to cover both liability and property losses that may result when a business losses, becomes hacked to gain access to personal information such as social security number, date of birth, credit card numbers. This can effect employees and consumers of a company.
This type of policy covers buildings, tools and equipment, and other types of business or personal property in possession by a company.
This policy covers vehicles that are owned, rented, and hired by a business as well as vehicles that are not owned by a business such as an employee’s vehicle; that are used in the scope of operations by a company. These policies have a much higher limits available for bodily injury and property damage than a personal auto policy. Additional endorsements are available for physical damage to the vehicles, towing, roadside assistance, rental reimbursement, and more.
This is a special type of property coverage used for insuring goods that are in transit or moved between different locations in the event they are damaged, lost, or stolen.
This type of liability policy cover employees of a company to illness, occupational disease, or being injured while preforming work in which the policy can cover medical expenses and lost wages.
Typically these policies work in conjunction with all your other policies to provide addition coverage limits above and beyond the underlying policy. These policies are only triggered for use once the limit of the underlying policy has been exhausted at which point the umbrella or excess policy is able to be used up to the policy limit.
Both types of whole life policies have higher premiums than a term policy as they build cash values which can be used similar to an emergency fund. Both have additional options due to cash value.
Annual policies, typically from 5 year, 7 year, 10 year, 15 year, 20 year, 25 year, or 30 year renewable term. The shorter terms initially have smaller premiums but they cost more in the long run as the rates will jump over the insureds life and the longer terms are higher monthly premiums but save you money in the long run.
These policies are the most flexible for the insured and are like a hybrid of the whole and term Life as there is a cash account and a premium account.
Both types of whole life policies have higher premiums than a term policy as they build cash values which can be used similar to an emergency fund. Both have additional options due to cash value.
Annual policies, typically from 5 year, 7 year, 10 year, 15 year, 20 year, 25 year, or 30 year renewable term. The shorter terms initially have smaller premiums but they cost more in the long run as the rates will jump over the insureds life and the longer terms are higher monthly premiums but save you money in the long run.
These policies are the most flexible for the insured and are like a hybrid of the whole and term Life as there is a cash account and a premium account.
Copyright All Rights Reserved © 2018-2025.
