Property & Casualty Insurance from Brethren Mutual Aid Agency

Brethren Mutual Aid Agency is an independent insurance agency that offers a full range of insurance coverage for all your individual needs in addition to comprehensive business insurance coverage.

Property and Casualty Insurance provides protection for business owners and individuals from losses caused by legal liability and from damage or loss of property. If there was any property damage caused by theft or loss, this insurance would replace it. Insurance that covers property loss exposures covers the costs to replace or repair the property in the event of a covered loss. Casualty and property insurance also provides for lost income, covers liability for negligent acts, and provides coverage for automobiles and worker’s compensation among others.

Personal Policies

• HOMEOWNERS INSURANCE - Including primary residences, summer homes, waterfront property, apartments, condominiums, and cooperatives.

• FARM INSURANCE – Whether you're running a large-scale operation or carrying on the tradition of a small family farm, Brethren Mutual Aid Agency coverages are tailored to meet your farm's property and liability exposures.

• AUTOMOBILE - To properly protect yourself from the always present danger of huge awards for auto liability, it is important that you maintain the proper level of coverage for your particular situation.  Your auto coverage can also take care of you if your car is damaged in an accident or if it's stolen.

• RENTERS INSURANCE - Provides protection for your personal property against theft and damage. Our renters insurance is hard to beat for convenience and value. Plus, we can assure you the peace of mind you need for your valuable items and electronics!

• PERSONAL UMBRELLAS - We offer high liability limits over and above your primary general, automobile or watercraft liability policies in order to properly protect your personal assets.

• WATERCRAFT - Insurance coverage is available for all types of watercraft from canoes and rowboats, to motor boats, sailboats and yachts. We also have special programs for jet-ski’s and other types of recreational watercraft.

• JEWELRY AND FINE ART (VALUABLES) COVERAGE - Additional protection for your valuable such as jewelry, furs, silver, collectibles etc. Stated values scheduled to your policy helps insure you will be compensated for the real value of your assets regardless of its age.

• NATIONAL FLOOD INSURANCE PROGRAM (NFIP) - provides protection from losses resulting from flooding if the property is in an area designated as a special flood hazard area that implements and enforces measures to reduce future flood risks.

PERSONAL PACKAGE PROGRAMS can also be designed to meet the individual needs of you and your family. Package your insurance and save!

Business Policies

• PROPERTY INSURANCE- protects the contents of a business against theft, fire or other danger.

• CASUALTY INSURANCE- covers the cost of lawsuits caused by accidents that result in property damage or bodily injury. Casualty insurance will also pay the attorney fees and other costs associated with the defense of a lawsuit. It could also cover the cost of other claims like false advertising, libel and slander.

• BUSINESS INTERRUPTION INSURANCE -can provide the funds needed to pay for lost business income* and fixed expenses during the time period when a business is not operational.

• COMMERCIAL AUTO INSURANCE -covers company-owned vehicles for physical damage and liability. Non-owned automobile coverage should also be obtained if a personal vehicle is used by employees or owners on company business. This non-owned auto policy covers the businesses liability for any damage that may occur from such usage. The commercial auto policy could also cover rental cars if used on business travel.

• WORKERS COMPENSATION INSURANCE - covers workers against a job-related accident or disease. Worker’s Compensation pays for disability income benefits, medical bills, and death benefits to dependents of an employee whose death was job-related.

• EMPLOYMENT PRACTICES LIABILITY INSURANCE - protects a business if any employee sues for job discrimination, wrongful termination, or another claim that accuses failure in the company’s employment practices.

• OFFICER AND DIRECTORY LIABILITY INSURANCE - covers a liability if a director/officer of a corporation becomes personally accountable for their actions on behalf of the business.

• OFFICE AT HOME INSURANCE - protects office equipment and business liability if an employee or business owner establishes an office in their home. This is not automatically included in a standard homeowner’s insurance policy.

• EXCESS LIAILITY INSURANCE (Also known as an “Umbrella Policy”) - takes effect when the limit of the basic fundamental policy is reached. The amount of coverage extended with an excess liability policy should be based on the total value of a company’s assets.

• KEY PERSON INSURANCE - covers the owner or another individual within the company that are so vital that the business could not continue if that person died. The key person policy can also provide cohesiveness in operations during a period of ownership transition that was caused by the incapacitation or death of a key employee or owner.

• NATIONAL FLOOD INSURANCE PROGRAM (NFIP) - provides protection from losses resulting from flooding if the property is in an area designated as a special flood hazard area that implements and enforces measures to reduce future flood risks.

*Net income that would have been earned as well as continuing normal operating expenses incurred including payroll.

Business Owner’s Policies (BOPs) we can bundle liability and property insurance together. This is commonly referred to as a business owner’s policy. These BOPs allow affordable premiums with broad coverage and are created by combining two or more monoline coverages.