We specialize in Commercial Insurance, protecting your business and employees. We will create a custom built portfolio to suit your insurance needs. In addition, we offer this same expertise to assist you in your personal insurance needs. Because we are both your local and independent insurance experts, we are able to provide exceptional personalized service and a wide selection of insurance compa
ny options, programs and prices. McGinn Insurance Professionals are your experienced insurance professionals offering you "Insurance with Integrity." As your local independent agency, McGinn Insurance Professionals is part of your community, familiar with you and your risks. You’ve worked hard for your assets and we work hard for you – tapping into a number of top-rated insurance companies to put together a portfolio of insurance policies for your business, personal and life that are the best mix for your personal situation. Through a mix of companies, or even having all your policies with one company and receiving a multi-policy discount, we can help protect and enhance your assets at a cost-effective price. If you experience a loss, we will guide you through the claims process, explain your coverage's and help solve problems related to your policy or account. As Independent Professionals," Insurance with Integrity" is our goal. We are able to market your insurance needs with many exceptional insurance companies. Your call to McGinn Insurance Professionals will provide you with a customized proposal with rates from a multitude of insurance carriers. We are in a unique position to create an insurance portfolio designed especially for you. We only represent the highest rated insurance companies that provide superior coverage and service. We are committed to the highest standards of customer service to you and to building a long term relationship. We find our clients the best insurance for the best rates available! Insurance coverage is available for every conceivable risk your business might face. The coverage and price of coverage vary. We counsel you with your specific business risks and the types of insurance you will need to protect you and/or your company. Our agency will advise you on the exact types of insurance you should consider to protect yourself, your family and your business:
When running a business, we know how important it is to have things go smoothly and that no two businesses are alike. It is important that you are able to conduct business without worry. Whether you need Contractors General Liability, Commercial Auto, Business Owners, Workers Compensation, Property insurance for your business or Dealer’s Blanket coverage to protect the cars at your dealership, we can help meet your specific insurance needs. Our experienced professionals will tailor a commercial package to protect your business and give you the peace of mind that comes with knowing you are adequately insured. Business owners purchase General Liability insurance to cover themselves due to accidents, injuries and claims of negligence. These policies protect against payments as the result of bodily injury, property damage, medical expenses, libel, slander, the cost of defending lawsuits. Workers Compensation insurance covers injuries and occupational diseases acquired while at work and is required by most states. Workers' Compensation can provide coverage for injuries or loss of limbs, diseases or repetitive motion injury inflicted at work and medical treatment rehabilitation needed so workers can return to work and lost wages. If you are a manufacture, wholesaler, distributer or retail a product, you may be liable for its safety. Product Liability insurance protects against financial loss as a result of a defect product that causes injury or bodily harm. Business owners providing services should consider having Professional Liability insurance known as Errors and Omissions insurance. Professional liability coverage protects your business against malpractice, errors and negligence while providing services to your customers. Commercial Property insurance covers related losses and damage of company property due to events such as fire, smoke, wind and hail storms, civil disobedience and vandalism. It may includes lost income, business interruption, buildings, computers, company papers and money. Commercial Umbrella insurance gives an extra layer of liability coverage in the case of a serious auto accident resulting in high medical bills or an incident on your business property such as a slip and fall. It provides additional coverage for damages that exceed the limits on your business auto or business owners policy. Business Life insurance is the most important coverage in replacing your earnings that would cease at the time of your death. For businesses, life insurance is a way to protect key employees and the business itself. Personal Auto insurance mitigates costs associated with getting into an auto accident. It protects you against financial loss and can provide property, liability and medical coverage and is required by most states. It may be appropriate to have your adult children on a separate policy to protect yourself and your assets. McGinn Insurance Professionals will assist you in determining what type of coverage is most appropriate for your situation. Your vehicle is a central part of your lifestyle. It is your connection between all of the important places you go every day. We will create the perfect insurance plan for you that is tailored to the coverage you need. A few coverage options include:
• Collision and comprehensive coverage
• Liability coverage
• Road trouble service
• Additional expense coverage
• Lease/loan gap coverage
You can drive with confidence knowing that you are well taken care of. Contact us today and we will provide our professional advice on the type and amount of auto insurance coverage options that are right for you. Whether you have a mortgage or own your home you must maintain adequate Homeowners Insurance protection. Homeowners insurance is designed to protect your home against damages to the house itself or your possessions. The insurance also provides liability coverage against accidents in the home or on the property. Most Homeowner policies limit the amount of coverage on such items as fine jewelry, art, instruments, guns and collectibles to name a few and additional coverage is needed to insure these items. We will consult with you to make sure that you are adequately insured for these valuable items. Your home is likely the largest investment you will ever make. You work hard for all that you have and you need to be protected in the event of a loss. Homeowners insurance can cover:
• Your primary home
• Your mountain retreat
• Other structures on your property
• Personal property
• Additional expenses you incur due to a covered loss
Renters insurance protects your belongings and liability within a rental property such as a single family home, apartment, condo, or townhome. It protects your personal property within the rented property and against losses resulting from a liability claim such as injuries occurring on the premises. Personal Umbrella insurance gives an extra layer of liability coverage in the case of a serious auto accident resulting in high medical bills or an incident on your personal property such as a slip and fall or a dog bite. It provides additional coverage for damages that exceed the limits on your auto or homeowners policy. Most Homeowner or Renter's policies protect against hail, wind, fire and other incidents. Flood Insurance does not fall under the list of coverage perils. If you are located in a flood zone or live close to water, you may need to protect yourself against flood damage and will need to purchase a separate flood insurance policy. Many expenses remain after your passing and a Life Insurance policy may assist your loved ones to carry on with mortgage protection, income replacement, final expenses, college funding, paying potential estate taxes and everyday expenses such as food, gas, daycare. We never know what life has in store for us from one day to the next. In today’s world, it is extremely important to know that there are some important matters that you don’t have to worry about. Many people know they need life insurance, but they are not sure of why they need it or how much they need. Here are some common excuses that should not delay you from getting the coverage you and your loved ones need:
• It’s Too Expensive
• I Haven’t Gotten Around To It
• I Prefer To Put My Money Elsewhere
If you have others who depend on you financially, it is very likely that you need Life insurance. Life insurance gives security to you and to the ones you love. A life insurance policy will provide the necessary money needed for your dependents to continue on in the event of your death. You may have questions like “Which type of life insurance should I buy?” or “How much life insurance is enough for me?” or “What or who do I need to cover?” Whether you are single, married with kids, empty nesters, retired, or a small business owner, McGinn Insurance Professionals will help you determine the coverage you need to ensure you and your family’s financial security. The Bottom Line:
Insurance protects you from the unforeseen. It is imperative that you understand your insurance needs to protect the business you have worked so hard to establish. Be certain your assets are insured as well as your life to protect yourself and those that you love. McGinn Insurance Professionals is your insurance experts offering you "Insurance with Integrity."
