TKAgency Automobile Insurance Homeowners Insurance Boat Insurance Motorcycle Insurance Recreational Vehicle Insurance Commercial Insurance Property Insurance Workers Compensation General Liability

Products

Automobile Insurance

Automobile insurance protects you against financial loss if you have an accident. It is a contract between you and the insurance company. You agree to pay the premium and the insurance company agrees to pay your losses as defined in your policy. Auto insurance provides property, liability and medical coverage:

Property coverage pays for damage to or theft of your car.
Liability coverage pays for your legal responsibility to others for bodily injury or property damage.
Medical coverage pays for the cost of treating injuries, rehabilitation and sometimes lost wages and funeral expenses.

Most auto policies are for six months to a year.

Homeowners Insurance

Homeowners insurance provides compensation for damage or destruction of a home from disasters. In some geographical areas, the standard insurances exclude certain types of disasters, such as flood and earthquakes, that require additional coverage. Maintenance-related problems are the homeowners' responsibility. The policy may include inventory, or this can be bought as a separate policy, especially for people who rent housing.

Boat Insurance

Boat Insurance covers the liability for injury or damage caused with the boat and for damage to the boat as the result of an accident. TK Agency can cover 95 percent of all boats on the water today including fishing boats, runabouts, personal watercraft and boats up to 50 feet in length and $250,000 in value.

Specialized Coverages

A homeowner’s endorsement won’t cover you like a Boat policy.
Total Loss Replacement – replaces insured’s boat with a brand new one of similar make and quality
Disappearing Deductibles – reduces the deductible by 25 percent at each claim free renewal
Replacement Cost Fishing Equipment – up to $10,000 for tackle, rods, and reels
Replacement Cost Personal Effects – protects the insured’s personal items including cameras, clothes, cell phones, etc
24-hour Roadside Assistance – covers trailer and tow vehicle, even if tow vehicle is not insured with Progressive Insurance
Emergency Towing and Labor – provides on-water towing service
Wreckage Removal Coverage
Property Damage Liability - includes coverage for fuel spill cleanup
Medical Payments - includes coverage for water-skiers

Motorcycle Insurance

TK Agency offers coverage for most motorcycles, including cruisers, sport bikes, touring bikes, dirt bikes, mopeds, scooters, ATVs – even custom motorcycles and motorcycles more than 25 years old.

Specialized Coverages

Accessory coverage
Transport Trailer coverage
Roadside Assistance
Comprehensive and Collision coverage
Bodily Injury/Property Damage Liability
Uninsured/Underinsured Motorist coverage
Medical Payments
Trip Interruption
Total Loss coverage
Rental Vehicle coverage
On-road coverage for off-road vehicles

Recreational Vehicle Insurance

TK Agency offers RV Insurance to accommodate recreational vehicles from pop-ups to coaches. We cover motor homes up to $500,000 in value and travel trailers up to $300,000 in value.

Specialized Coverages

Total Loss Replacement – replaces a “totaled” RV with a new model of similar make and quality
Disappearing Deductibles – reduces the deductible by 25 percent at each claim free renewal
Full Timer’s Package – extra coverage for customers who use an RV as their home
Replacement Cost Personal Effects – protects the insured’s personal items including cameras, clothes, cell phones, etc.
24-Hour Roadside Assistance – provides assistance for disabled vehicles – and we’ll be sure to to send a tow truck that can handle your customer’s RV
Windshield Coverage – new $0 deductible option for replacing a damaged windshield
Free Pet Injury Coverage – pays up to $1,00 toward veterinary fees or the pet’s replacement
Emergency Vacation Expense – provides up to $2,000 for lodging and transportation if an RV is damaged during a trip

Commercial Insurance

The TK agency offers a full array of Commercial Insurance products for your business. Those include fleet automobile, workers compensation, property insurance, general liability, products liability, umbrella liability and environmental coverage. To get more information, click on the navigation button for the specific type of coverage you need.

Property Insurance

Property insurance contracts that indemnify an insured for loss caused by the destruction of the insured's property resulting from a fire; The field of insurance that provides insurance policies on the insured's property for a variety of perils, including fire.

Workers Compensation

Workers Compensation Insurance is a schedule of benefits payable to an employee for injury, disability, dismemberment, or death as a result of occupational hazard. The payments are a liability of an employer. Insurance agreeing to pay the Workers Compensation benefits required by law on behalf of the employer.

General Liability

General Liability insurance is a very broad policy that covers legal claims against the insured. The policy covers your premises, your operations, products you manufacture, as well as any completed operations. The protection offered by a liability insurance policy is twofold: a legal defense in the event of a lawsuit commenced against the policyholder and indemnification (payment on behalf of the insured) with respect to a settlement or court verdict. Liability policies typically cover only the negligence of the insured, and will not apply to results of willful or intentional acts by the insured.

Public liability insurance covers a business against claims should its operations injure a member of the public or damage their property in some way.

Directors and Officers Liability insurance protects an organization (usually a corporation) from costs associated with litigation resulting from mistakes made by directors and officers for which they are liable. In the industry, it is usually called "D&O" for short.

Environmental Liability insurance protects the insured from bodily injury, property damage and cleanup costs as a result of the dispersal, release or escape of pollutants.

Prize Indemnity insurance protects the insured from giving away a large prize at a specific event. Example would include offering prizes to contestants who can make a or a hole-in-one at a golf tournament.

Professional liability insurance, also called professional indemnity insurance, protects insured professionals such as architectural corporation and medical practice against potential negligence claims made by their patients/clients. Professional liability insurance may take on different names depending on the profession. For example, professional liability insurance in reference to the medical profession may be called malpractice insurance. Notaries public may take out errors and omissions insurance (E&O). Other potential E&O policyholders include, for example, real estate brokers, Insurance agents, home inspectors, appraisers, and website developers.

Marine Insurance

Marine insurance and marine cargo insurance cover the loss or damage of ships at sea or on inland waterways, and of the cargo that may be on them. When the owner of the cargo and the carrier are separate corporations, marine cargo insurance typically compensates the owner of cargo for losses sustained from fire, shipwreck, etc., but excludes losses that can be recovered from the carrier or the carrier's insurance. Many marine insurance underwriters will include "time element" coverage in such policies, which extends the indemnity to cover loss of profit and other business expenses attributable to the delay caused by a covered loss.

Life/Health Insurance

Life insurance provides a monetary benefit to a decedent's family or other designated beneficiary, and may specifically provide for income to an insured person's family, burial, funeral and other final expenses. Life insurance policies often allow the option of having the proceeds paid to the beneficiary either in a lump sum cash payment or an annuity.

Disability insurance policies provide financial support in the event the policyholder is unable to work because of disabling illness or injury. It provides monthly support to help pay such obligations as mortgages and credit cards.

Health Insurance protects against the costs of hospital and medical care or lost income arising from an illness or injury (sometimes called Accident & Sickness Insurance).