Personal
Alpha Property & Casualty specializes in all aspects of personal insurance to ensure we cover your needs. These include:
- Automobile
- Homemakers
- Umbrella / Excess
- Scheduled Property
- Rental Homes
- Motorcycle
- Recreational Vehicles
- Boat & Yacht
- SR-22
- Flood
- Individual
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Commercial
Alpha Property & Casualty provides a comprehensive review of all your business insurance needs. These are listed below.
- General Liability
- Products/Completed Operations
- Premises Liability
- Personal & Advertising Injury
- Bodily Injury/Property Damage
- Property
- Business Auto
- Inland Marine
- Umbrella
- Crime
- Electric Data Processing
- Boiler & Machinery
- Workers Compensation
- Bonding
- Specialty Lines
- Employment Practices Liability (EPLI)
- Employers Liability (Stop Gap)
- Employee Benefit Liability
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Life & Disability Insurance
Life Insurance is a crucial step in planning for your future and your family's. The Death Benefit is income-tax free and can be used to cover funeral expenses, repay debt, provide education, pay estate taxes or any other expenses that may incur.
Disability insurance is a vital component of your overall long-term planning. It would help to replace income should the unthinkable take place.
- Term Insurance
- Whole Life
- Universal Life
- Variable Universal Life
- Individual Disability Insurance
- Mortgage Protection
- Key Man Insurance
- Buy/Sell Agreements
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Employee Benefits
Alpha Property & Casualty is an industry leader in all areas of Employee Benefits. Our experienced team of professionals is uniquely qualified to provide innovative, cost effective, long-term solutions to your benefit needs. We are experts in the design, financing, marketing, implementation and management of benefit programs. Our areas of expertise include:
- Health Plans
- Prescription Plans
- Section 125 Administration
- Wellness Programs
- Disability - Short and Long Term
- Life Insurance
- Vision Benefits
- Dental Benefits
- Voluntary Benefits
- Self Funding
- COBRA Administration
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Retirement Plans
Retirement planning is essential to securing a level of comfort for you and your family when you retire. We can help you plan for your retirement years with a wide variety of investment vehicles and insurance products.
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Long Term Care
Long-Term Care has been defined as "medically necessary assistance, recommended by a physician for the treatment of a chronic illness or debilitating injury on a long term basis. Recovery is usually not expected. Care is oriented toward helping a person function, not toward a cure."
Long-term care is typically not covered by your health plan, disability coverage or Medicare. Medicaid does cover long-term care, but only after you have used up your assets paying for care.
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