Products

Personal Lines

At Consolidated Agencies, we offer a wide variety of coverages for your personal protection. Such coverages include auto insurance, homeowner's insurance, life insurance, boat insurance, personal umbrella coverage, and much, much, more.

Auto coverage is our most frequently written coverage. This coverage can provide liability coverage for your auto, anywhere from the state minimum of $20,000 per person/$40,000 per occurence, all the way up to $1,000,000 coverage. We also offer physical damage coverage for your auto, covering losses on your vehicles. Be sure to call us today at (586)977-9900 for a competitive quote on your auto insurance.

We also write a large number of homeowner's policies. These policies usually cover not only damage to your house and damage or theft of your property, but often cover your personal liability coverage as well, with broad coverage to protect you in a lot of circumstances. For more info, or a quote on this coverage, please give us a call at (586)977-9900.

We also are happy to offer Life Insurance for your needs. Please send an email to ghenry@consolidatedagencies.com or call George Henry at (586)977-9900 to get your quote on life insurance.

Boat Insurance is also an insurance need we frequently handle. We have multiple markets available for this coverage, and can insure most boats, from the smaller models all the way up to large yachts. Although technically, boats are considered a personal lines product, they are handled by our commercial department. Call us at (586)977-9900, or email dsigman@consolidatedagencies.com for your quote on boat insurance.

Personal Umbrella coverage is insurance that covers large amounts of liability in excess of whatever your other personal policies cover. Limits are usually written in multiples of $1,000,000, and often require high liability limits on the other insurance policies. For a quote on this coverage, please give us a call at (586)977-9900.

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Commercial Lines

We also write a large number of coverages for your business pursuits. We commonly write general liability, worker's compensation, business auto, property coverage, business owner's policies (BOPs), commercial umbrella coverages, and more. Quotes or further information on Commercial Products can be obtained by calling (586) 977-9900 or sending an email to dsigman@consolidatedagencies.com

General Liability coverage is coverage that is afforded to protect you from lawsuits resulting from negligent damage to someone else's property or injuries to people (other than yourself and your own employees). Limits are usually written anywhere from $300,000 up to $1,000,000.

Worker's Compensation coverage is valuable coverage protecting your employees. This coverage pays for medical bills and lost wages resulting from an on-the-job injury. Rates are based on the amount of payroll you have, and vary greatly depending on what business you are in.

Business Auto coverage is effectively similar to personal auto coverage, but has different rates and coverages due to the business exposure of a vehicle. It is important that any vehicles used for business use are properly classified as such.

Property coverage covers buildings you may have for your business, as well as contents within the building (and occasionaly, some contents off premises as well). Often this coverage is included with liability coverages in a package policy.

A Business Owner's Policy (BOP) is a package policy put together, usually for a small business. There are many various property and liability coverages included, and often is a good choice for a small business.

A Commercial Umbrella policy covers additional liability beyond what your underlying coverages cover. These are usually written in multiples of $1,000,000, and can often be written in amounts as large as $50,000,000.

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