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Property and Liability Package Policies

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General Liability also known as “commercial Liability insurance” is a broad commercial insurance policy that covers general liability exposures of business.

Do you know what is covered by your Business Liability protection or, better yet, what is excluded? Have you reviewed your policy for limitations to determine if important coverage or endorsements need to be added? It costs just pennies a day to protect your business. Don’t wait until you have a loss to find what coverages you should have purchased!

Some Coverages to Consider

  • Personal Injury
  • Fire Legal Liability
  • Umbrella Liability
  • Professional Liability Insurance (Errors & Omissions)
  • Employment Practices Liability Insurance (EPLI)
  • Directors and Officers Insurance (D&O)

Allow the insurance professionals at Fuller Insurance Agency to provide your most important investment with unparalleled protection. You deserve peace of mind in the comfort of your own home.

Business Owners Policy

Unforseen events such as a major fire, natural disaster, lawsuit, theft, or even computer/cyber crime can cause a business to shut its doors for a day, a week or in some cases forever, and in doing so they run the risk of losing valued clients. Don’t wait for disaster to hit or a loss to occur to find out that your insurance protection is inadequate. Planning for the unexpected is key when owning and operating a business. A Business Owners Policy can provide you with the coverage you need to maintain the well-being of your company in the event of a loss.

Are you a small, mid-size or large operating business? Insurance is one of the most important assets that any business whether small, medium or large needs. Depending on the type of business you are operating, it could include a number of different types of insurance coverages.

How about coverage for your business property, business interruption or a lawsuit? Let’s be honest! In today’s economic environment Business Owners are especially vulnerable to lawsuits. A lawsuit brought against a business could potentially threaten the continued operation of the business as well as the owner’s financial well being. Liability Insurance can help provide resources to defend claims brought against you and your business.

Four types of Business Liability Insurance to consider:

  • General Liability provides protection for lawsuits that small business will typically encounter
  • Professional Liability insurance is essential in the service industry
  • Product Liability insurance in manufacturing
  • Employment Practices Liability is essential for any business owner with one or more employees

Important Coverages to Consider:

  • Disaster Recovery
  • Business Auto & Non-Owned Auto Liability
  • Business Personal Property and Inventory
  • Contents & Inventory
  • EPLI – Employment Practices Liability
  • Business Interruption
  • Commercial Umbrella
  • Loss of Business Income
  • Workers Compensation
  • Mechanical Breakdown
  • Business Personal Property
  • Cyber Liability & Web Coverage
  • Tenant Improvements
  • Building Ordinance Coverage
  • Money & Securities
  • Employee Dishonesty
  • Professional Liability
  • Spoilage

Example Target Classes of Business Owners Policies We Write:

  • Restaurants
  • Accountants
  • Florists
  • Lawyers
  • Printers
  • Wholesalers
  • Metal Shops
  • Retail Centers
  • Motels
  • Distributors

Home-Based Business

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Did you know that 69% of Entrepreneurs start their business at Home?

Operating a business from your home can be a rewarding and profitable experience. With so much invested in your home based business, it is imperative that you have the right coverage to insure your unique exposures.

You may be surprised to learn that your homeowner policy insurance does not provide the liability or property coverage you need to protect your assets. WE can provide a comprehensive policy designed specifically for your Home Based Business that includes liability and business personal property. ANNUAL PREMIUMS START AT $250.00

Top 20 Home-Based Businesses:

  • Bakeries
  • Barbers/Beauticians
  • Candy/Nut Confections
  • Car Detailers
  • Computer Repair
  • Consultants
  • Cosmetic/Beauty Sales/Consultants
  • Crafts
  • Disc Jockeys
  • Embroidery
  • Floral Arrangements
  • Graphic Artists/Designers
  • Interior Decorating
  • Jewelry (costume)
  • Personal Fitness Trainer
  • Pet Sitters
  • Photographers
  • Tailoring, Alterations, Seamstresses
  • Teachers/Tutors
  • Wedding/Party Planners

 

Does Your Home Insurance Policy Protect You if…

Home-Based Business Insurance

Home Insurance

Your business laptop is stolen while you are traveling
YesNo
A customer visiting your home slips and falls
YesNo
A fire at your home temporarily puts you out of business. Will your lost income and the additional expenses necessary to get back in business be covered?
YesNo
You are working a trade show and someone trips and falls over your display and injures themselves
YesNo
Power surge causes business interuption
YesNo

Product Features

  • Liability coverage up to $1,000,000
  • Business Personal Property/Inventory coverage up to $100,000
  • Off-Premises coverage
  • Loss of Business Income coverage
  • Optional coverage for Money and Securities
  • Equipment Breakdown coverage
  • Professional Errors & Omissions specified classes
  • Satisfies most show and event liability requirements
  • A.M. Best rated A++ carrier

Product Eligibility

  • Inforce Homeowner Policy
  • Coverage for select home based businesses with up to $500,000 in Gross Annual Sales
  • Businesses with no more than one employee (in addition to the owner)
  • Businesses that are sole proprietorships, partnerships, LLC’s, or corporations
  • Optional Additional Insured Coverage for grantor of franchises, mortgagee, lessor of leased equipment, and more…
  • No more than two business related claims in the previous three (3) years

Business Auto Insurance

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Organizations that utilize vehicles in their business operations must safeguard their business with a comprehensive commercial auto insurance policy. A commercial auto insurance policy will provide all of your vehicles with protection, whether you have a fleet of delivery vans or your employees operate their own vehicles for business errands.

In order to receive optimal protection of your company vehicles, you must obtain sufficient commercial auto insurance protection. The insurance experts at Fuller Insurance Agency will customize a commercial auto insurance policy based on the exclusive needs and operational functions of your commercial vehicles.

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Umbrella Liability

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Jury Verdicts have increased 240% in the past 10 years, with average awards from $418,000 to $3,000,000.

One substantial lawsuit can be financially detrimental to any business, large or small. Defense costs alone can amount to hundreds of thousands of dollars. With the frequency of lawsuits and damaging insurance claims on the rise, a commercial umbrella policy will provide the added liability and defense cost that is essential to your financial well being.

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Commercial Earthquake

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Earthquakes have caused over $58 billion in direct property losses in California since 1971.

Safeguarding your business from one of California’s most prevalent perils should be priority for any business owner. Earthquakes can be catastrophic in nature and can result in substantial property damage and financial devastation.

At Fuller Insurance we can provide earthquake insurance coverage to help business owners secure the protection they need to rebuild after an earthquake occurs.

Protect your valuable assets from a devastating earthquake, coverage is available for:

  • Building
  • Business Personal Property
  • Loss of Business Income
  • Earthquake Sprinkler Leakage
  • Ordinance or Law

We offer various deductibles and carriers to choose from to ensure you get the best coverage, all for the right price.

Commercial Earthquake Insurance Los Angeles, CA

Commercial Flood

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Even just a little water can bring business operations to a halt protection. Despite common belief, the property coverage portion of your commercial insurance package policy will not safeguard your business against flood damage.

The National Flood Insurance Program (NFIP) provides a base level of coverage that will cover your property in the event of a flood. However, many businesses face significant repair and rebuilding costs which exceed the limits offered by the NFIP. In order to safeguard you against the financial harm of flooding, you need excess coverage that will help recoup more when a disaster strikes.

NFIP coverage details:

  • Residential buildings (1-4 units) $250,000
  • Residential contents $100,000
  • Commercial buildings $500,000
  • Commercial contents $500,000
  • Residential condo associations $250,000 per unit

Excess Flood Coverage Details:

  • Coverage up to $15 million
  • Eligible properties include: 1-4 family dwellings, apartments, condominiums, and commercial properties
  • Program follows excess of NFIP for ease of claim handling
  • Includes Buildings, Contents, and Loss of Income
  • Replacement Cost endorsement available

Rather than leaving your biggest investment vulnerable to flood damages, purchase a commercial flood insurance policy. This vital safeguard will provide your business and employees with lost income coverage, building property protection, and personal contents coverage when water invades. Since these policies come with a 30 day activation period, there is no better time than now to seek the insurance protection your company deserves.

Bonds Insurance

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Bonds act as a unique form of protection, similar to an insurance policy. By guaranteeing contract specifications, bonds can provide businesses and contracting firms with unparalleled protection. Whether you are looking to obtain bonds for your small contracting firm or large business, Fuller Insurance Agency can provide you with the protection you deserve.

We provide the following bonds to our clients:

  • License and Permit Bonds
  • Construction Bonds
  • Probate Bonds
  • Receiver or Trustee Bond in Bankruptcy
  • Public Official Bonds
  • Court Bonds
  • Fidelity Bonds
  • Financial Institution Bonds and D&O Coverage

Workers’ Comp

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Workers compensation is legally enforced to ensure that both employees and employers are receiving the protection they deserve. Regardless of who is at fault for an illness or injury, workers compensation provides all involved parties with guaranteed protection.

As an employer, you can receive peace of mind through your workers compensation policy, knowing that all injured employees will receive medical expense coverage. Likewise, employees can rest assured knowing they will not have to pay for medical costs out of pocket after a work-related injury.

Allow the insurance professionals at Fuller Insurance Agency to provide you and your employees with the unparalleled protection you both deserve.

Workers Compensation Insurance Los Angeles

Cyber Liability Exposure Insurance

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ALL businesses are vulnerable

Cyber Risk Just the Facts:

      • Data breaches and cyber-attacks have increased 62% in just one year.
      • 30% of all breaches occurred in organization of fewer than 250 employees.
      • 95% of all credit card breaches are against small businesses.
      • 52% of small business owners reported they have no data security policy in place.
      • Average cost associated with data breach is $201 per compromised record.
      • Average cost to rectify a data breach has risen to an average of $5.85 million.

Today’s increased reliance on technology comes with a down side. It is no longer a question of if you will suffer a breach, but when. It takes just one stolen laptop, one resourceful hacker, one virus, even a lost paper with client data or your company’s financial records to create enormous financial and reputational consequences for your business. Fuller Insurance has the insurance products with these risks in mind.

Liability Coverages Available

Data Privacy Liability & Network Security Liability
      • Violations of data privacy laws.
      • Unauthorized access or unauthorized use of computer systems
e-Media Liability
      • Copyright and trademark infringement.
      • Libel, slander, defamation and reputational harm.
Miscellaneous Professional Services
      • Negligent act, error or omission in the performance of defined professional services.

Expense Coverage

      • Notification and Credit Monitoring
      • Crisis Management Expense
      • Data Privacy Regulatory Proceedings Expense
      • Cyber Investigation Expenses
      • Information Asset Recovery

 

First Party Coverage

      • Business Interruption and Cyber Extortion

Protect Your Business Reputation with Data Breach Coverage

Credit card information is stolen, paper files are not shredded, a business laptop is stolen. You can be confident that Fuller Insurance’s Data Breach insurance will provide swift solutions to help safeguard and restore your business’ reputation and customers’ trust, and provide you, your customers and employees with help before and after a breach.

Any business that handles or stores any private business, customer and patient or employee data is at risk for a data breach. When a data breach happens, most businesses are required by law to take action or face the possibility of civil litigation or other penalties. Before the unthinkable happens, you need the tools and information to confidently assess the situation and manage the crisis.

Data Breach Insurance Offered through Fuller Insurance:

        • Gives you peace-of-mind with breach expense coverage to help you cope with rising breach costs, including public relations and good-faith advertising, and defense and liability expense coverage if a claim is brought against you by one of your customers who has been affected by the breach.
        • Supplies professional assistance to help you confidently handle a breach crisis.
        • Provides easy access to a secure breach preparedness website, featuring easy-to-understand tips and guidelines you and your staff can use every day – not just when you have a claim.

Who Needs Data Breach Coverage?

Any business, small or large, that handles or stores any private business, customer, patient or employee data is at risk. The following businesses are at a higher risk for a data breach because of the quantity and type of sensitive information they handle and store:

        • Healthcare practices
        • Law offices
        • Accounting offices
        • Retailers
        • Restaurants
        • Financial services

Cyber Liability Insurance Los Angeles

Apartment Buildings (5+ Units)

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Fuller Insurance has been providing customized Insurance Protection for over 30 years on Apartment Buildings and Rental Dwellings of all sizes and ages in California and the Western United States.

Fuller Insurance works with several insurance companies to provide solutions and options for the “income property owner” in this constantly changing marketplace. We have helped design enhanced coverage options and discounts to help minimize the impact of these new changes with some of our best insurance rates in: West Los Angeles, Santa Monica, Hollywood, Beverly Hills, San Fernando Valley, Orange County, Inland Empire, and San Diego.

Common Apartment Owners Insurance Coverages Available:

  • Property Coverage
  • 125 % Extended Replacement cost protection
  • Comprehensive General Liability
  • Personal Injury Liability
  • Loss of Income – up to 24 months
  • Sewer Backup
  • Equipment Breakdown
  • Ordinance & Law
  • Umbrella Liability
  • Money & Security
  • Employee Dishonesty
  • Workers Compensation
  • Earthquake & Flood (separate policies)

SAVINGS SERVICE SELECTION

Allow the income property specialists at Fuller Insurance Agency to personally customize a unique apartment owner insurance policy that will ensure the insurance needs of your business are met. We can provide you with the protection you have been looking for with one of our many insurance carriers that specialize in the apartment and rental marketplace that will allow you to:

Build Your Own Policy Build Your Own Price

Let us tailor a policy to meet your specific needs with some of the industry leaders in apartment building insurance marketplace. Don’t be caught with the wrong coverage or price!

Available Discounts

  • Apartment Association
  • Professionally Managed
  • Pest Control
  • Workers Comp
  • Tenant Screening
  • Tenant Insurance
  • Gated Complex
  • Multi Policy
  • Surveillance Cameras
  • Smoke Free
  • Claims Free
  • Years in Business
  • Sprinklered Buildings
  • Multiple Buildings
  • Building Updates in 10 years
  • Central Fire Alarm
  • Earthquake Retrofit
  • Luxury Complexes

Apartment Building Insurance Los Angeles California

Landlord Insurance (1-4 Units)

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Dwelling Fire Insurance provides Landlords with property and liability coverage designed specifically for 1 to 4 unit rental dwellings. Protect your investment with our quality coverage.

Coverage Features:

  • Dwelling and Other Structures
  • Business Personal Property
  • Liability limits up to $1,000,000
  • Extended Building Replacement Cost up to 200%
  • Loss of Rental Income (10% of building coverage or higher limits available)
  • Ordinance and Law Coverage (optional)
  • Medical payments up to $5,000 (optional)
  • Back up of Sewer Drains (optional)

Earthquake / Flood / Worker’s Compensation and Umbrella Liability coverage is available on a separate policy. Several carriers offer this protection.

Commercial Property

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Commercial Property

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  • Office Complex
  • Retail Center
  • Commercial Condo
  • Warehouse
  • Business Park
  • Industrial Complex

Our commercial property insurance policies are customized to meet the exclusive needs of the lanlords, property owners and tenants.

Questions You Should Ask

  • Who buys your insurance protection?
  • Who is responsible for all or some of your insurance coverage on your Commercial Building?
  • Are you fully covered and/or are you in compliance with your leasing obligations?
  • Do you know what coverage’s you need?
  • What are you paying for on your present policy?
  • Does your property management company pick your policy for you each year, and do you know what is covered?

Depending on the answer… don’t wait until you have a loss to find out what coverage you should have purchased for pennies. Each type of Commercial Property and leases has their own unique set of insurable issues, which must be addressed and understood. For Example:

Questions you should ask to help protect your valued assets:

  1. 1. Do my triple net lease tenants carry adequate insurance coverage?
  2. 2. Do I have enough liability coverage to protect my assets in the event of a lawsuit?
  3. 3. Do all of my tenants carry general liability coverage?
  4. 4. Is my building replacement coverage adequate?
  5. 5. How long does my loss of business income coverage last after a loss occurs?

What Fuller Insurance can do for you

  • Analyze your current insurance coverage to identify any gaps in coverage and ensure that all lease requirements are met.
  • Calculate the replacement cost of your building to keep current with the replacement cost of your property.
  • Create a database detailing the property specification on each location to better manage the property each year.
  • Provide loss control support.
  • Conduct annual reviews of coverage and provide comparison quotes with industry leaders.

Commercial Property Insurance Los Angeles CA

Shopping Centers

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We are experienced in insuring specialty businesses, including shopping centers. We understand the responsibility associated with owning a shopping center, as your tenants rely on you for a safe place to operate business.

Every commercial property is different and each has their own unique set of insurable issues, which must be addressed and understood.

Ask yourself these questions:

  1. 1. Do you have adequate limits to replace the building with the new building codes or just protecting the bank and loan?
  2. 2. Do I have enough liability, or loss of rents coverage?
  3. 3. Who insures the tenant improvements at the location?
  4. 4. Does your anchor tenant cover some of the building and liability at your location?
  5. 5. On a triple net lease are you having the tenant’s insurance policy protect your interest, or do you charge back the tenant’s the cost of your insurance making sure you have adequate limits protecting you at all times?
  6. 6. Do you require all your tenants to provide you with a copy of their liability coverage and possible professional liability policy, or did you just inherit their exposure?

shopping center insurance los angeles

Office Buildings

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As an office building owner, your investment is directly dependent upon your tenants’ ability to conduct their own business operations. We understand your responsibility to your tenants and will help you secure the protection required for all parties.

Suffering a loss is always an unfortunate event. We will do everything in our power to get your business up and running should a loss occur. Our custom tailored property insurance policies, in combination with our unmatched customer service, allow you to maintain ultimate peace of mind regarding your business operations.

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Industrial Buildings

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As an owner of an industrial building you are subject to risks associated with renting your building to diverse companies of varying industries.

Fuller Insurance will match you with an experienced and knowledgeable agent who will evaluate your needs, and provide you with a viable insurance package that enables you to continue business operations without concern.

Home

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Homeowners Insurance

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Homeowners insurance allows individuals to feel safe and protected in their home. At Fuller Insurance Agency, we understand the importance of customizing each homeowner insurance policy to meet the exclusive needs of both the home and the homeowner.

Standard Homeowners Insurance Coverage Includes:

  • Dwelling Protection – Covers damage to your home due to fire, lightning, smoke, storm damage, vandalism and other perils. It is important to purchase enough dwelling coverage to cover the cost to rebuild. Learn more about the cost to rebuild you home by having us run a cost estimator based on your specific home features.
  • Extended Replacement Coverage – Depending on the carrier will pays up to 200% above the policy limit to replace a damaged home in the event of a total loss.
  • Other Structures – Pays for damage to detached structures like garages, sheds, fences that are on the insured location .
  • Personal Property – Pays the replacement value on property damaged by a covered loss – with no deduction for depreciation – subject to your policy limits and deductibles. Special limits apply to certain items such as jewelry, watches, furs, and silverware.
  • Additional Living Expenses – Provides coverage for living expenses if you home becomes uninhabitable as a result of a covered loss.
  • Personal Liability Protection – Helps protect your assets and cover your defense costs in the event of a lawsuit, because you or your family members are responsible for causing injuries or damage to other people or their property.
  • Guest Medical – Pays medical expenses for your guest who are accidentally injured on your property.

Additional Homeowners Insurance Coverage Options Include:

  • Flood Insurance
  • Earthquake Insurance
  • Scheduled Personal Property Coverage – Provides higher limits and expanded protection for special classes of property such as jewelry, silverware, fine arts, furs, cameras, musical instruments, guns, and home computers to list a few.
  • Identity Theft Protection
  • Equipment breakdown
  • Building ordinance coverage
  • Coverage for water back-up

Allow the insurance professionals at Fuller Insurance Agency to provide your most important investment with unparalleled protection. You deserve to feel peace of mind in the comfort of your own home.

Condo Insurance

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Condominiums are unique to insure due to their complexity in nature. Since many condo owners share common grounds or even share a wall, there are often disputes when it comes to who is responsible for insuring those shared zones. As specialists in the field, we understand how complex and confusing condo insurance can be, which is why we are here to guide you through each step of the process.

Coverage Available on a Condo Insurance Policy:

  • Personal Property Coverage
  • Liability Coverage
  • Guest Medical Expense Coverage
  • Reimbursed Living Expenses
  • Scheduled Property (optional)
  • Loss Assessments coverage (optional)
  • Building coverage inside the unit building items you own in your unit not covered by the master policy (optional)
  • Identity Theft (optional)
  • Earthquake and Flood (optional)
  • Equipment Breakdown (optional)

Allow the insurance professionals at Fuller Insurance Agency to provide your condo with the protection it deserves. Condo insurance does not have to be a hassle when you have our experienced team of experts by your side.

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Tenant/Renters Insurance

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There is an overwhelming amount of renters who are unaware that their landlord’s insurance policy does not provide protection for their personal belongings. This common misconception has resulted in far too many denied claims. In order to safeguard your assets, you need a renter’s insurance policy.

Don’t think you need insurance? Think Again—clothes, furniture appliances, TV, stereo, CD’s, Computers and DVD’s can be worth thousands of dollars. Purchasing a renters Insurance policy, for as little as $10 to $20 a month, will give you piece of mind knowing your belongings are protected.

A Renters Insurance policy is the affordable solution to protect your valuables from a number of different types of losses such as:

  • Fire and smoke
  • Lightning
  • Theft
  • Vandalism
  • And many more

Plus a Renters policy provides coverage for:

  • Loss of use for living expenses when your home is uninhabitable due to a covered loss typically at 20% of your property coverage limit
  • Guest Medical Payments, for guest who may injure themselves while visiting your unit
  • Personal liability protection from a lawsuit.

At Fuller Insurance Agency, we understand the importance of providing you with that sense of security. Allow us to provide you with an affordable renter’s insurance policy that maximizes coverage.

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Umbrella Insurance

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In order to receive guaranteed protection, you must obtain an umbrella insurance policy. While you may be inclined to think that your personal insurance policies will provide you with sufficient coverage, the increased commonality of lawsuits and damaging insurance claims increases the importance of obtaining umbrella coverage.

The unpredictable nature of our society makes an umbrella policy that much more necessary. Whenever a claim amount exceeds the coverage limits of your standard personal insurance policies, your umbrella insurance policy will keep you protected. Unfortunately, there are far too many situations that result in lawsuits, making umbrella policies a vital necessity. Dog bite liability claims, injuries on your property, and multi-vehicle car accidents are only some of the common claims that prove to be extremely damaging. Guaranteed protection can be found under the umbrella.

Allow the insurance experts at Fuller Insurance Agency to provide you with unparalleled protection through a personal umbrella policy. Your most valuable assets can remain safe under the umbrella.

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Earthquake Insurance

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Despite common household belief, your homeowners insurance policy will not provide you with protection against earthquakes. Similarly, many homeowners wrongly assume that they do not need an earthquake insurance policy because they do not live in an area where earthquakes are common. However, all California residents can benefit from the security an earthquake insurance policy provides. Earthquakes are known to occur in nearly all 50 states and they rarely give fair warning.

Since you will not have time to collect your personal belongings and safeguard your home from earthquake damages, it only makes sense that you would obtain extra security through an earthquake insurance policy.

The insurance experts at Fuller Insurance Agency are always ready to go above and beyond for you to safeguard your most important investment, your home. Allow us to provide your home with increased security with an earthquake insurance policy.

Flood Insurance

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As one of the most destructive natural disasters, we must protect our homes from floods. Despite popular disbelief, your homeowners’ insurance policy will not provide you with coverage against floods. Both flood and earthquake damage coverage must be purchased as a separate policy altogether.

There is an overwhelming amount of homeowners who find out they lack this necessary coverage once it is too late. In order to receive optimal protection of your home, you must obtain flood damage coverage. Flood insurance policies have a 30 day grace period in which you do not receive coverage, ensuring that homeowners do not obtain flood insurance once they hear of a storm’s arrival. Fuller Insurance Agency encourages you to receive the peace of mind you deserve for your home before it is too late with us by your side.

Learn how flood insurance can protect you from the predicted El Niños!

Life/Benefits Insurance

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Life insurance provides individuals with peace of mind knowing each of their loved ones are protected. Without a life insurance policy, you leave your loved ones’ futures up to chance. A life insurance policy will ensure that your final wishes are carried through and that each beneficiary is able to continue their current standard of living.

We understand how complex purchasing a life insurance policy can be, which is why we are here to guide you through it all. Initially, you will want to decide whether or not you will be purchasing a term life insurance policy or a whole life insurance policy.

Term life insurance policies act as protection guarantees for an allotted period of time. This alternative option to permanent life insurance allow individuals with financial constraints to safeguard their loved ones at a more affordable rate.

Whole life insurance policies, commonly known as permanent life insurance policies, provide individuals with a lifetime guarantee of protection. These premiums may be more expensive than term life insurance policies, but that is because they offer more protection. Many individuals even choose to utilize their whole life insurance policy as an investment opportunity as they accumulate cash value over the years.

At Fuller Insurance Agency, we understand how difficult finding the right life insurance can be. Allow us to formulate a unique life insurance policy for you that provides each of your loved ones with the protection they deserve. Our life insurance policies will allow you to enjoy the rest of your years without a worry in the world.

Term Insurance

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Whether retirement is just around the corner or you have just jump-started your career, it is important to think about your future needs. An annuity provides you with flexibility in living the retirement lifestyle that you are seeking. While you may be inclined to view this product as a purchase for later on in life when you are thinking about your immediate retirement needs, annuities are great products for individuals of all ages to have. Young individuals who obtain annuities early on in life are able to accumulate more income for retirement.

At Fuller Insurance Agency, we are dedicated to ensuring that you are able to enjoy retirement with the proper protection under your belt.

We offer a variety of different types of annuities, including:

  • Fixed Annuities
  • Indexed Annuities
  • Single Premium Immediate Annuities
  • Structured Settlement Annuities

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Specialty Products

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As daunting of a subject discussing your long term care needs may be, it is an important conversation that allows you to receive peace of mind about the future. Failing to invest in the proper insurance coverage is failing to invest in your future.

At Fuller Insurance Agency, we offer a variety of specialty products that can allow you to attain confidence and peace of mind about the future, including:

  • Critical Illness
  • Disability Income
  • Life Settlements
  • Long Term Care Insurance

Auto Insurance

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We provide three ways to get an auto insurance quote

1.Request a quote from us

Most accurate, hidden discounts

Fill out our online form and we’ll run a quote for you, finding all the hidden discounts along the way.

2.Contact us for a quote (800) 640.4238

Get in touch with us and we’ll collect the information we need and will discuss your specific needs.

3.Get an instant quote online

Quickest way to get a quote

When you have a comprehensive auto insurance policy in place, you can drive confidently on the roads knowing that you are protected from all possible perils. The right auto insurance policy will protect you and your car from fire, theft, bodily injury, medical expenses, property damage, and of course, car accidents. Depending on the coverage options you choose to obtain under your customized auto insurance policy, you may receive legal expense coverage as well.

Depending on the particular state in which you live, you will be required to obtain at least the minimum required auto insurance protection. Each motorist requires a unique amount of auto insurance coverage.

Common Auto Insurance Coverage Options Include:

  • Collision
  • Comprehensive
  • Liability
  • Medical Payments
  • Personal Injury Protection
  • Underinsured/Uninsured Motorist
  • Rental Reimbursement

Each individual motorist requires a unique auto insurance policy. Allow the insurance experts at Fuller Insurance Agency to provide you with guaranteed protection on the roads and customize an auto insurance policy that fulfills your insurance needs.

Motorcycle Insurance

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Whether your motorcycle is your main mode of transportation or you only ride on the weekends, the insurance experts at Fuller Insurance Agency are knowledgeable in insuring all motorcycle activities. As enjoyable as motorcycles can be, they are notoriously more risky than standard vehicles. Therefore, in order to receive peace of mind on the roads, you must have a motorcycle insurance policy that meets your exclusive needs.

The risky nature of motorcycles can automatically leave you with hefty premium amounts. However, with so many motorcycle insurance discounts available to you through our agency, we can ensure that you will receive optimal protection at an affordable rate. Peace of mind on the open road can be in your future with Fuller Insurance Agency by your side.

Classic Car Insurance

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Whether you are looking to insure your classic car, antique car, or collectible car, the insurance professionals at Fuller Insurance Agency can help provide you with the peace of mind necessary to fully enjoy your oldest, yet most enjoyable ride. As an insurance company that understands the bond an owner has with their classic, we are the right choice when it comes to insuring yours!

Classic car insurance policies must be carefully customized to meet the exclusive needs of the classic. The age of the vehicle, its condition, how much you plan to drive it, and where you plan to drive it are all taken into consideration when determining which coverage options you need.

We understand how difficult it is to trust the livelihood of your most beloved ride in someone else’s hands, which is why we will go above and beyond when insuring your classic until you are confident in its protection. Allow the experienced agents at Fuller Insurance Agency to provide your classic car with the protection it deserves.

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Off-road Vehicle Insurance

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Whether you are looking to insure your ATV, dirt bike, snowmobile, or golf cart, the insurance experts at Fuller Insurance Agency understand the importance of protecting your most enjoyable rides. Your off-road vehicle insurance policy will be directly dependent on your particular off-road vehicle driving habits. Do you only drive your dirt bike on the weekends at local arenas? Do you drive your golf cart around your neighborhood on a daily basis? No matter your particular use, we will go above and beyond to insure your specialized vehicle.

Allow Fuller Insurance Agency to safeguard your off-road vehicles to the fullest, with affordable insurance policies that maximize coverage.

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Boat Insurance

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In order to receive peace of mind on the open waters, you must have a comprehensive boat insurance policy that is customized to meet the exclusive needs of both you and your boat. Your insurance policy will be personalized depending on the navigational area in which you plan to boat, agreed value coverage, your liability risks, and the cost to repair or replace your boat.

Despite popular belief, you need as much, if not more insurance protection while out on the open waters. Without sufficient insurance coverage, you leave yourself, your boat, and your passengers vulnerable to harm.

Standard Boat Insurance Coverage Options Include:

  • Personal Liability
  • Boat
  • Motor
  • Trailer
  • Medical Expense
  • Physical Damage

Optional Boat Insurance Coverage Options Include:

  • Replacement
  • Agreed Hull Value
  • Actual Cash Value
  • Liability

Your most exciting ride deserves unparalleled protection all year round. Allow the insurance experts at Fuller Insurance Agency to provide your boat with that guaranteed protection.

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