Insuring Your Peace of Mind

As your life changes, so do your insurance needs. We offer a variety of coverage options for everything that matters to you.

Business

Business owners have so much to consider when protecting their assets that it just doesn’t make sense to proceed without trusted help. Mosher associates have the expertise you need and the personal care & attention you won’t find elsewhere. We can help with everything from finding sensible employee benefits packages to making sure your company vehicles are adequately covered. Call today.

Property insurance is purchased to protect against loss to a companies tangible property. This could be a companies product that they manufacture or the equipment or building where the product is produced.

General liability insurance is coverage that is designed to protect a business for a loss arising out of a negligent non-professional act.

Bodily injury and property damage, personal and advertising injury, and medical payments are the three areas that make up a general liability policy.

Bodily Injury and property damage provides legal liability coverage in the event a loss occurs involving property or injury of persons not affiliated with the business due to a negligent act.

Personal and advertising injury protects against offenses such as libel, slander, false arrest, copyright infringment and advertising infringment.

Medical payments is coverage for injuries sustained by the general public on your premises or when exposed to business operations.

Business automobile policies are written to cover the vehicle for physical damage and protect the company and their employees from any negligence associated with the vehicle.

Worker's compensation insurance protects the company and its employees in the event of an injury or death caused by work related activities.

Umbrella liability insurance is a policy that generally covers all other casualty insurance in place for an specific amount of money, usually in increments of $1,000,000. It protects a business from a large loss caused by the negligence of the business.

Professional liability insurance protects an individual or company for any negligence that arises as a result of the type of profession they are engaged in. i.e. Lawyer, Doctor, Dentist, or Funeral Director.

Employment Practices Liability Insurance protects the company in the event that proper employment guidelines were not followed and resulting litigation follows.

Boiler/Equipment Breakdown policies are written to protect the business from any additional costs that arise due to a breakdown of a boiler or other such equipment.

Bonds are written to indemnify a third party for default on behalf of the principal. For example, employee dishonesty bonds are written to indemnify the owner on behalf of a dishonest employee.

Inland marine policies are normally used to protect property in transit. The product is no longer at your location where you can protect it.

Most traditional policies exclude coverage for crime when it involves an employee. A crime policy will allow the company to buy that coverage back.

Aircraft Policies are written to cover the plane for physical damage and protect the owner for any negligence while in the air or on the ground.

Employee benefits are more important now than ever. A good employee is invaluable to a companies success. Let us help you understand what is available for your company and why you may or may not need.

Group health insurance is most often purchased through a business for their employees. This is nice because if you are part of a group pre-existing conditions cannot be excluded plus costs are usually lower because you are spreading the risk.

Disability Income would be money that you would receive in the event that you were injured and could not continue to work.

Having a plan to keep the doors open and business going in the event of a natural disaster that somehow effects your physical location.

Home | Auto | Umbrella

Your personal insurance needs are as diverse as your hobbies and lifestyle. Your car goes without saying, but the boat and motorcycle need coverage too. What about your valuable antiques or collectibles? A summer home, perhaps? Give Mosher a call today. We’re here to provide ample coverage that makes sense for you.

Personal automobile policies are written to cover the vehicle for physical damage and protect the owner from any negligence associated with the vehicle.

Homeowners policies are written to cover your home for physical damage and protect the homeowner from any negligence associated with the property.

Motorcycle policies can be written to cover the vehicle for physical damage and protect the owner from any negligence associated with the vehicle.

Umbrella policies provide an additional layer of liability for the underlying policies (home, auto, boat, and recreational policies).

Coverage is activated when the liability limits of the underlying policy is exhausted, or when a claim develops that is not covered by the primary insurance policy.

Umbrella coverages are broader and provide bodily injury, personal injury, and property damage coverage.

Is a policy that can include coverage for physical damage for the boat, motor, equipment, trailer and liability coverage.

Recreational vehicles are often referred as toys. Atv's Snowmobiles, and Dirt-bikes are a few examples of recreational vehicles. Recreational vehicle policies are written to cover the vehicle for physical damage and protect the owner from any negligence associated with the vehicle.

Valuable items schedules are often put in place when the primary insurance policy puts a limit on the amount of insurance that will be paid if a specific type of item is damaged or stolen.

Fine Arts coverage can be endorsed to a policy to cover the actual value of precious art. Most policies do not automatically cover Fine Arts.

Most insurance policies exclude coverage for any type of water intrusion. Flood policies protects your property in the event of a flood.

Permanent Life Insurance is a policy that is taken out with the intention of providing another source of income to surviving beneficiaries. It is payable on the death of the named insured.

Term life insurance is usually purchased as an additional source of income for surviving beneficiaries in the event of the named insured's death. This policy is purchased for a specific amount of time. Once that period of time has expired coverage ceases.

Insurance designed to pay the costs associated with dental Care. Dental insurance pays a portion of the bills from dentists, hospitals, and other providers of dental services. By doing so, dental insurance protects people from financial hardship caused by unexpected dental expenses.

Individual health insurance can be purchased to cover a person for health conditions that may arise. Usually is more expensive than group health insurance. Pre-existing conditions may be excluded!

Long-Term Care is an insurance product that helps provide for the cost of care beyond a predetermined period, often 90 days. The need for long-term care is determined most often by the inability to perform the basic activities of daily living, such as dressing, bathing, eating, toileting, getting in and out of a bed or chair, and walking.

Farm

When your home and your business are closely intertwined, your insurance needs are unique. Mosher associates understand this. We’re here to help make sure your needs are met and that your home, property, and future earnings are protected. Here you’ll find an overview of all the ways we can help cover your interests - contact us today to learn more.

Farm policies can provide insurance coverage for any or all farm property including buildings, animals, machinery etc. It will also provide liability coverage extending to any property you own or rent.

Crop insurance is used by farmers to protect their future earnings in the event of a loss preventing projected harvest.

Family

Your family is everything, and it’s up to you to protect them. We’re here to help, and to help you find the right coverage where you need it most. Your home, your health, your ability to earn an income; we respect the trust it takes to seek assistance in these most vital areas, and we’ll do everything it takes to earn that trust. Call us today, and let’s review your coverage.

Personal automobile policies are written to cover the vehicle for physical damage and protect the owner from any negligence associated with the vehicle.

Homeowners policies are written to cover your home for physical damage and protect the homeowner from any negligence associated with the property.

Motorcycle policies can be written to cover the vehicle for physical damage and protect the owner from any negligence associated with the vehicle.

Umbrella policies provide an additional layer of liability for the underlying policies (home, auto, boat, and recreational policies).

Coverage is activated when the liability limits of the underlying policy is exhausted, or when a claim develops that is not covered by the primary insurance policy.

Umbrella coverages are broader and provide bodily injury, personal injury, and property damage coverage.

Is a policy that can include coverage for physical damage for the boat, motor, equipment, trailer and liability coverage.

Recreational vehicles are often referred as toys. Atv's Snowmobiles, and Dirt-bikes are a few examples of recreational vehicles. Recreational vehicle policies are written to cover the vehicle for physical damage and protect the owner from any negligence associated with the vehicle.

Valuable items schedules are often put in place when the primary insurance policy puts a limit on the amount of insurance that will be paid if a specific type of item is damaged or stolen.

Fine Arts coverage can be endorsed to a policy to cover the actual value of precious art. Most policies do not automatically cover Fine Arts.

Most insurance policies exclude coverage for any type of water intrusion. Flood policies protects your property in the event of a flood.

Permanent Life Insurance is a policy that is taken out with the intention of providing another source of income to surviving beneficiaries. It is payable on the death of the named insured.

Term life insurance is usually purchased as an additional source of income for surviving beneficiaries in the event of the named insured's death. This policy is purchased for a specific amount of time. Once that period of time has expired coverage ceases.

Insurance designed to pay the costs associated with dental Care. Dental insurance pays a portion of the bills from dentists, hospitals, and other providers of dental services. By doing so, dental insurance protects people from financial hardship caused by unexpected dental expenses.

Long-Term Care is an insurance product that helps provide for the cost of care beyond a predetermined period, often 90 days. The need for long-term care is determined most often by the inability to perform the basic activities of daily living, such as dressing, bathing, eating, toileting, getting in and out of a bed or chair, and walking.

We'll make it easy.