Message from James McNicholas

As we begin a new year, I want to reaffirm my commitment to provide you with outstanding service for your insurance needs, to thank you for being my customer, and to let you know how much I value your business.

One of the advantages of having a professional insurance agent is the information I can provide, so you can make effective decisions about your insurance coverage.  A free service I offer is a Farmers Friendly Review®- an opportunity to look over your insurance program and see whether you may qualify for one or more discounts or if there are any gaps in your coverage.  Call me or e-mail me at your convenience and start the year off right, knowing that your insurance program is what you want.

My Thank You - Farmers Umbrella Liability Insurance

Here’s a way I can thank you for choosing Farmers and being my customer. I can alert you to Farmers Umbrella Liability Insurance. Did you know it could help protect your income and assets?

Umbrella Liability Insurance works with your existing Home or Auto insurance to give you an "umbrella" of coverage. Your Home and Auto insurance policies set limits on how much liability is covered in a loss. Umbrella liability insurance can cover you if you become liable for an amount more than those limits.

How could that happen? Let’s say you’re at fault in a car accident. You come out without a scratch, but your passenger is injured. She may be disabled for life. Medical expenses can be incredibly high - and could go on for years. Did you know you could be forced to cover this? You could, if your passenger wins a judgment against you and if the amount of that judgment is more than your liability limits. That equates to personal risk for you. Risk to your current and future earnings; risk to your hard-earned assets.

Now you can see why Umbrella Liability Insurance is so important! You can add Umbrella coverage to your existing Farmers Auto and Home policies. Umbrella Liability helps protect what you’ve worked so hard to build.

Interested? Questions? Please call me at 636-835-3535.