Personal Lines - Business to Consumer
• AUTOMOBILE + Esquire provides coverage for most all automobiles as well as snowmobiles, motorcycles, RV's, etc. Esquire Insurance also provides coverage for problem drivers assigned to SR-22.

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

• PERSONAL UMBRELLAS + We offer high liability limits over and above your primary automobile or homeowners' liability policies in order to properly protect your personal assets.

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

Life Insurance
• LIFE + Life Insurance generally falls into two categories:

1. TERM INSURANCE + Term insurance is designed to meet temporary needs. It provides protection for a specific period of time (the "term") and generally pays a benefit only if death occurs during the term.

2. PERMANENT INSURANCE + Permanent life insurance can accumulate cash value and is priced for you to keep over a long period of time.

New to Esquire Insurance - Indexed Universal Life Insurance Plan This permanent form of insurance not only acts as a death-benefit management tool, but allows clients to seek supplemental retirement income through its cash-value accumulation.

*It's impossible to say which type of life insurance is better because the kind of coverage that's right for you depends on your unique circumstances and financial goals.*

Commercial Insurance
Esquire Insurance can offer coverages separately and/or offer packages that combine protection for various risks within your firm or business.

• BUSINESS OWNER'S POLICY + Business Package Policies are tailored towards smaller and mid-sized companies to offer very comprehensive coverages and to alleviate coverage gaps.

These coverages include property insurance for buildings and contents owned by the company. It also provides the element of legal liability protection to cover a company's legal responsibility for the harm it may cause to others.

• WORKMAN'S COMPENSATION + This program provides replacement income and medical expenses to employees who are injured or become ill due to work related responsibilities. Financial benefits may also extend to workers' dependents and to the survivors of workers who are fatally injured on the job. In most circumstances, workers' compensation pays relatively modest amounts of compensation and prevents workers or dependents from suing the employer for the injuries or death.

• COMMERCIAL MULTIPLE PERIL POLICIES + Companies with more significant assets may considering purchasing a commercial package policy or customize their policies to meet their special risk needs. Commercial multiple peril policies, often purchased by corporations, bundle property, boiler and machinery, crime, and general liability coverages together

• HOME BUSINESS + Most of America's 11 million home-based businesses are vulnerable to significant financial losses because they do not have the proper business insurance coverage, according to a survey by the Independent Insurance Agents & Brokers of America. Secure your home business today with Esquire Insurance.