Secure your family's future with FCIG Insurance by transferring the financial risk of life's unexpected events to a trusted partner. Our comprehensive insurance strategies, including personal, liability, and life insurance, are designed to shield you from financial burdens, ensuring peace of mind for you and your loved ones.
Personal Coverage
Auto Insurance
When looking at your auto insurance, are you looking at value or price? First, figure out the right coverage for your situation, then go to the marketplace and let's find the best quote. It's better than finding out what coverage you have after you have a claim!
Home Insurance
A house is not a commodity. While there may be many others similar to your home, the nuances are important. We ask a number of questions to help you make an informed decision as to what you need. Not sure about the difference between replacement cost and market value? Ask us!
Umbrella
An increasingly important area of insurance is this one, but many are confused about exactly what it covers. Even if you decide that it's not something you want right now, you should be working with an agent who knows this product inside and out.
Rental/Landlord
Have a vacation rental? How about a home rented for investment purposes?
Recreational
RV's, golf carts, boats, atv's, motorcycles, etc!
Commercial Auto
Automobile policies for businesses often have many different vehicle types, but did you know how big a difference auto symbols make to your actual coverage? Not all auto policies cover you the same way, so talk to someone who goes through more than just premium.
Workers' Compensation
A lot of clients told us they thought Workers' Compensation policies were the same final price regardless of the agency. Just like many lines of coverage, state rules vary, though there are lots of variables that affect total premium. Ask us how class code rates, mods, debits & credits can impact your policy?
Package Policies
Just like gifts come in different sizes, commercial package policies are not created equal. Let us help you compare your current policy with what the marketplace currently offers and show you some options.
Umbrella
In today's world, Umbrella policies are pretty common. If you do not have one, we are happy to bring you up to speed on their importance. If you already have one and had some questions about the limits, requirements or exclusions, we are happy to give a second opinion.
Properties
You would be surprised how many times we have found business locations with totally insufficient coverage limits on buildings. While sometimes our new clients knew the limits of their policy before they came to FCIG, more often they had no idea!
FAQs
Customers have questions, we have answers. If we are not sure, we will find out. Even with hundreds of years of experience amongst our team, we continue to learn every day.
Childcare
Insurance for businesses involved with daycare, nursery schools, enrichment programs, etc.
Petroleum
Insurance for businesses involved with petroleum and related products. We are able to assist clients with all aspects of the business, including the transportation and even the storage tanks themselves.
Agribusiness & Farms
Proper coverage for your property and operations is critical even if you are not a large-scale farmer! We find many of our clients' policies only include incidental farming, where exclusions leave serious gaps. Talk to our agribusiness & farm insurance specialist!
Trucking
Insurance for clients involved in intrastate and interstate trucking.
Independent Service Provider (ISP Insurance)
Parcel delivery contractors can find coverage compliant with many of the largest contracting companies.
Veterinary Services
Veterinarians and animal-related businesses represent a unique niche for our agency. With the capacity to help in everything from property and workers' compensation, our firm can even provide access to tailored AVMA® offerings for life, disability, etc.
Life
Life insurance comes in many different flavors: term, Universal Life (UL), whole, plus variations of each. We can help match your needs with your budget.
Disability
Whether short-term or long-term, we can help you determine the amount for which you qualify.
Long-Term Care (LTC)
An increasingly popular discussion item with clients. Lots of confusing information out there regarding limits, ADL's, policy maximums...let us help explain.
Medicare Supplement
How and when do you qualify for coverage with no health underwriting? What are the differences amongst F, G & N Plans? Talk to our Medicare Supplement expert!
Health Insurance
Types of Health Insurance:
ACA Compliant
Short Term Medical
Group Medical