We have the expertise and experience to proficiently meet all of your insurance needs. You can click on any of the products or services listed below for more information.
- Auto Insurance
- Life Insurance
- Health Insurance
- Business Insurance
- Workers Compensation
- Medical Professional Liability
We offer competitive premiums and complete coverage for all your vehicles. Coverages include:
- Preferred and standard auto
- High risk auto
- Motor homes
- Camping trailers, travel trailers, utility trailers
- Recreational vehicles: all-terrain vehicles, trail bikes, snowmobiles, golf carts, mini bikes, dune buggies, jet skis and wet bikes, antique, classic or special-interest cars
Insurance coverages we offer for your home include:
- Homeowners and Homeowners plus protection
- Condominium unit-owner’s insurance
- Renters insurance
- Personal umbrella liability
- Replacement cost contents protection
- Inland Marine personal articles
For additional information about the coverage we provide, please contact us.
We offer you a wide variety of products to meet your needs, the needs of your family and the needs of your business. Plans for your family include:
Select Choice Term Series, offering you a choice of term lengths and coverage amounts and giving you the maximum amount of coverage for your premium dollar.
Burial Insurance to protect your loved ones from the financial burdens of funeral, burial and final expenses.
First Step, which provides your children with a base for saving and planning for a lifetime. Coverage is available through age 30, with the option to convert to a permanent life policy at that time.
Select Choice Juvenile Whole Life prepares your children for the future with low rates and a policy your children can maintain for a lifetime.
We can also help you prepare for your retirement and protect you during periods you can not work due to disability:
The Income Protector Policy safeguards your income and protects you and your family from the worries of disability.
Individual Retirement Accounts include both conventional and ROTH, so you can choose the plan that best fits your needs.
The Preferred Choice Annuity Series offers competitive interest rates and no monthly fees.
Health insurance should be your main defense against illness and injury. Think of it as a preventative measure, just like taking your vitamins.
We offer group health benefits that are custom designed plans, such as self funded, partial self funding and traditional plans. Individual plans available through our agency include, optional deductibles, comprehensive or basic coverages and short term medical plans.
Are you turning 65 soon? If so, you’ll be interested in hearing about medicare supplements. We can help you design a plan that will fit your needs.
- A Business Owners’ Policy that is broad and comprehensive to meet business owners’ needs in the areas of property and liability coverage. Coverage for specific businesses and optional extended coverage are also available.
- The Commercial Package Policy is flexible to ensure comprehensive coverages tailored for specific businesses. It includes Property, Comprehensive General Liability, Crime, Inland Marine and Automobile coverages.
- The Commercial Umbrella Policy provides the extra protection every business requires with extra limits where general liability and automobile limits end.
- Loss Control Services that help you reduce loss severity exposure, provide information on reducing loss frequency, and identifies safety programs.
For additional information about the coverage we provide, give us a call.
State law requires that every employer provide Worker’s Compensation insurance for their employees. This insurance provides coverage for accidents or disease arising from employment as prescribed by these state laws. Benefits can include lost wages, medical expenses, and permanent disfigurement disability payments. Some companies offer large dividends to reduce your overall cost. Can we help you find one?
Buying Insurance Doesn’t Have To Be Scary
We at Cole & Durham know that there’s a lot to understand and it can be scary or overwhelming. How is anyone supposed to know what or how much to buy? We’re here to answer all those questions. There’s a good reason we’ve been voted Reader’s Choice for 17 years running!
Submit this quick form and one of our reps will be right in touch.