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Map & DirectionsDirections90 Executive DrCarmel, IN 46032 Write a ReviewWrite Review

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Extra Phones: Fax: (317) 814-5373
Neighborhood: Carmel Centerpointe
Categories: Boat & Marine Insurance, Dental Insurance, Homeowners Insurance, Insurance, Long Term Care Insurance, Property & Casualty Insurance

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Phone: (317) 814-5370

Address: 90 Executive Dr, Carmel, IN 46032

Cds Insurance

Motor Vehicle

Auto Insurance
If the success of your company depends on transportation in any capacity, then risk transfer should play a key role in your plan for long-term financial protection. Ensuring that you have the right commercial auto insurance coverage is not only crucial, but often required under the law.
Boat Insurance

Property

Home Insurance
This insurance provides damage protection for your home and personal property from a variety of events, including fire, lightning, burglary, vandalism, storms, explosions and more. In addition, all homeowners insurance policies typically contain personal liability coverage, which protects against lawsuits involving injuries that occurred on and off your property. This coverage also provides protection against losses where your homeowner’s association coverage ends.

Health and Life

Life Insurance
Life insurance policies may be written on a group or individual basis. Various Life insurance products are available, including: Term Life, Universal Life, Whole Life, Supplemental Life, and Voluntary Life. Term Life products offer the most competitive rates. Since the policy affords protection for a definite period of time, there is no cash value build-up, and a guaranteed renewal can be allowed at significantly higher rates. Universal Life and Whole Life policies may afford permanent protection, since the policies can offer cash value accumulation throughout the term of the policy.
Health Insurance
Various forms of Medical coverage are available including Health Maintenance Organization (HMO), Preferred Provider Organization (PPO), and Point-Of-Service (POS). Medical insurance policies may be provided on a group or individual basis. Employer-sponsored Group Medical policies are written on a guaranteed issue basis, which proves very attractive for groups with pre-existing health conditions. In California, employers with two (2) or more full-time employees are eligible for a group medical policy.
Long Term Care
Long-Term Care coverage may be written as an individual policy, group policy, or as a rider to a life insurance policy. The policy covers home health care, adult daycare, personal care, hospice services, and respite care.
Dental Insurance
Various forms of Dental coverage are available including Dental Health Maintenance Organization (DHMO), Preferred Provider Organization (PPO) and Indemnity plans. Dental insurance policies may be provided on a group or individual basis. Employer-sponsored Group Dental policies may be written on a guaranteed issue basis, depending on the group size. Typically, Dental policies provide different percentages of coverage depending on the type of treatment; i.e., preventive, basic, or major services.

Business

Business Insurance
Commercial Liability Insurance
The Commercial Umbrella policy provides additional layers or limits of coverage and can extend the occurrence and aggregate limits of the primary insurance policies. Typically, Commercial Umbrella policies provide additional limits over Commercial General Liability policies, Commercial Auto policies, and Garage policies. Umbrella policies will often provide additional coverage not available through the underlying policy(s). Commercial Umbrella policy limits range from $1 Million up to $100 Million with Self Insured Retentions (SIR) typically set at $10,000. Commercial Umbrella policies are offered by many admitted and non-admitted insurers. It is recommended that the Commercial Umbrella policy period be written on a concurrent basis with the underlying policies.
Professional Liability Insurance
This policy indemnifies the insured against liability damages (and the cost of defense) based on alleged or real professional errors and omissions or mistakes when acting on behalf of another. Those that may benefit from this type of policy would be: architects, engineers, physicians, attorneys, law enforcement officers, realtors, escrow agents, accountants, stockbrokers, directors and officers of corporations.

Personal

Liability Insurance
Coverage is available to indemnify the insured for work performed off-site. This would include installation work, construction, servicing or repair work. Completed Operations coverage would pay for bodily injury/property damage caused by negligent or faulty work by an insured during (Premises Liability) and after (Completed Operations). Deductibles of $1,000 and upward are commonly found in a Completed Operations policy. Most General Liability insurance policies exclude the Insured’s Own Work, or Property in the Care, Custody, or Control of the Insured.

Natural Disaster

Earthquake Insurance

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