• Automobile
• Homemakers
• Umbrella / Excess
• Scheduled Property
• Rental Homes
• Motorcycle
• Recreational Vehicles
• Boat & Yacht
• SR-22
• Flood
• Individual

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

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

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

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.

IRAs - Individual Retirement Accounts were established by the federal government to encourage people to save for their retirement by providing a variety of tax advantages.

Traditional IRA - Contributions up to $2,000 annually may be deductible, and your earnings are not taxed until you start withdrawing money.

Roth IRA - For many people, a Roth IRA may offer greater tax savings and withdrawal flexibility than a traditional IRA. Eligibility depends on income.

Simple IRA - SIMPLE IRA plans are retirement vehicles, maintained on a calendar year basis, for small employers (no more than 100 employees earning at least $5,000 for the preceding year), which permits contributions under a qualified salary reduction agreement.

Annuities - Annuities can provide a series of payments that typically start at retirement and continue for the rest of the contract owner's life. Annuities can provide retirement income for either a fixed period of time or for the rest of an annuitant's life. Retirement income payments can begin immediately with the purchase of an annuity or be deferred to some time in the future.

• 401(k) - A 401(k) plan allows you to postpone receiving a portion of your salary until you retire. You choose the amount of income you'd like to "send to the future," or defer annually. Advantages of a 401(k) include:
• Chance of lowering your income rate by deferring a portion of your taxable income.
• Ability to access the money for certain situations like buying a house, college fees, or in some hardship situations.
• Your Social Security contributions and benefits will not be impacted by your 401(k) plan.
• Your account is transferable--so you can take it with you from job to job

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.