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Insurance Services Group –
Smarter Insurance
What is smarter insurance? It's not mascots or gimmicks. It's not spending our client's premium dollars on advertising. It's not 800 numbers, cut rate or one-size-fits-all. Smarter Insurance is a promise. Smarter Insurance is crafting insurance policies based on individual needs, creating coverage you can count on. When it's time to look at your options, call, come in or request a quote. See what Smarter Insurance can do for you today.
Testimonials
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"Good People doing good business"- R.J. Schroeder
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"18 years with home, vehicles, equipment, ranch and business. Very pleased!"- Mike G
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"I give you an AAA++ Rating. You are always professional and have better prices."- R. Hart
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"I have been purchasing insurance for 57 years and can truthfully say this is the very best agency I have ever done business with."- David H.
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"It is refreshing to experience an honest, hardworking insurance office with friendly agents that actually know their business and work for the benefit of clients. Their integrity saves us time and money and we enjoy referring our friends."- Daniel and Dianah D.
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"I have been a customer since 2003, the agency has taken care of my needs and accurately and efficiently handled my requests. I have even had a couple of claims and the service was outstanding. As a very satisfied customer, I am happy to refer you."- Gerald N.
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"We did business with your agency for 20 years but because we moved out of the area, discontinued. That lasted less than one year because we could not find the brands or satisfaction that you provided for us- by finding the best price, best policy coverage and you always went that 'one step beyond'. We are very satisfied and know that you really do care. Thank you very much."- Jacoba C.
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"I am so happy that I was referred to your agency. I have always had a difficult time understanding my insurance policies and the coverages, but your agency really took the time to explain everything to me in a way that even I could understand. Not only am I happy with the price and friendly service; I now feel confident that I am properly covered."- Susan K.
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"I have always been happy with the service I receive from your office. I am a busy person, so it's important that I receive timely responses. The agents in your office have not let me down!"- Ronnie D., Seattle, WA
Companies We Work With
Apartment Building Insurance
Providing insurance for apartment buildings has been a specialty of Insurance Services Group for over 30 years. Because of our success in this marketplace, our dedicated team of apartment insurance professionals works with each client individually to discuss their needs and develop a program offering the best value for the apartment coverage needed. By doing business with more than 30 insurance companies and understanding the specific appetites of each one, we deliver on our promise of "More Choices, Better Coverage and Great Service"
For most apartment building insurance packages, there are two main parts, property and liability. The property section should provide coverage to repair or replace the entire building, personal property of the ownership as well as equipment breakdown coverage. A critical coverage that is often misunderstood is "Loss of Rents" coverage. This insurance coverage is so important that we will not sell a policy without it. Loss of Rents provides coverage for the unrealized income if the structure were to suffer a covered loss. After a loss the building will be undergoing repairs and is not creating income from rents; Loss of Rents coverage provides for that income. Given that apartment building owners have mortgages, taxes and other ongoing expenses, having a building that is not creating income is an enormous problem. We are here to discuss these gaps prior to a loss and make sure you have the coverage you need when and if a loss occurs.
The liability section of an apartment building insurance package defends and pays judgments against the building owner if when a claim arises for bodily injury or property damage. Given the high threshold for which apartment building owners are held liable, limits of $1,000,000 per occurrence are often not enough.
For more information on our apartment building insurance program, please complete the form below. If you have trouble with the form or need to speak with someone right away, please call or email us.