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Personal Protection

Infinite Risk Management can take care of your business and personal insurance needs. We’ll protect your home, auto, life, and all the valuable and fun stuff you accumulate.

Homeowners Insurance

Our staff’s experience in insuring homes of all types enables us to put together a comprehensive plan. We will review key issues with you to determine how much coverage and the kind of coverage you should purchase. Some of these issues include:

The amount of coverage required to rebuild your home from the ground up, including any home upgrades you may have performed recently, like bathroom remodels, new kitchen appliances, or a backyard entertaining space. These could all increase your home value and require additional insurance protection.
The amount of coverage to protect your valuables. Standard coverage will insure computers and other valuables for fire, for example, and will provide limited coverage for jewelry. You need additional coverage to protect high-valued items, like engagement rings, artwork, a wine collection, etc.
In the event of a disaster, such as a flood or earthquake, the standard policy will not provide coverage. We will review your risks and discuss additional, separate coverage to address these exposures.
If you have non-standard items that could cause injury, such as a pool or trampoline, this represents additional liability risk for you and requires the right of amount coverage to protect your assets in the event of an accident.

Our review will determine how much Property and Liability insurance you need as well as the deductible on the policy. We will also determine any additional coverage you need to respond to catastrophic property losses. You may need to carry Personal Umbrella insurance to kick in when the primary liability limits on your standard Homeowners insurance are exhausted. This is particularly true for significant losses, which can devastate an individual or family if not adequately protected.

Auto Insurance

We insure all types of drivers – whether buying your first car, upgrading the family SUV, or adding another vehicle as your teenagers hit the road, are a lover of all things classic, or someone who likes to lease a new model year after year. We offer Auto insurance plans that fit your life as you go around town or hit the road for a family vacation.

Bodily Injury: Covers your responsibility for costs in the event someone is injured in an accident due to your negligence. Protects you against claims for damages, such as medical expenses, lost wages, and pain and suffering.
Property Damage: Pays for damage you cause to the property of others.
Medical Payments: Pays the medical expenses for you or others injured in an accident while riding in or driving your car.
Uninsured/Underinsured Motorists: Pays for damage and injury to you and your passengers caused by a driver with too little or no insurance.
Collision: Covers damage to your car if you cause an accident.
Comprehensive: Covers vehicle theft and vandalism and responds when something beyond your control hits your vehicle, such as a tree or road debris.

We also offer Towing and Rental Reimbursement coverage.

Life Insurance

Depending on your needs, various Life insurance products are available from which to choose:

Term Life: This is a straight insurance policy with no investment component. You’re buying coverage that lasts for a set period of time provided you pay the monthly premium.
Whole Life: This policy combines Life coverage with an investment fund. You’re buying a policy that pays a stated, fixed amount on your death, and part of your premium goes toward building cash value from investments made by the insurance company. Cash value builds tax-deferred each year that you keep the policy, and you can borrow against the cash accumulation fund without being taxed. The amount you pay usually doesn’t change throughout the life of the policy.

Our team will review your needs to determine which Life policy is best for you.

We Help Shape Your Risk Readiness

At Infinite Risk, we lean into risk, knowing it’s an integral part of success and growth. We help clients manage risk through customized solutions, education, and insights so they are well prepared as they head into tomorrow. We are ready to do the same for you.

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