Just as individuals and families buy homeowners’ and personal auto insurance, businesses and other organizations buy business insurance. Generally speaking, the insurance needs of businesses are more complex than those of individuals and families, and because every business is different, the insurance requirements of every business are different. At HH&B, we provide a variety of insurance products to cover the needs of today’s ever changing insurance...

For the majority of people, their home and its contents represent their largest single investment. Therefore, they need to do whatever they can to protect this investment. Purchasing homeowners insurance is one way to protect this valuable asset. When property is damaged or destroyed, an individual may suffer financially because of the reduced value of the damaged property. If the damage is so severe that the property can never be used again, additional...

While most people have planned carefully for their future with life insurance and retirement programs to provide financial security for themselves and their families, few people are so financially secure that their assets could not be seriously impaired by an auto accident. Personal assets may be needed to pay for one or more of the following costs: 1). Injury to persons or damage to property of others as a result of an automobile accident. 2).The cost of medical...

When thinking about insurance, most people think about the common types of occurrences such automobile accidents, fire, windstorms, and burglaries, but there are other catastrophic events that most people never consider, namely flood and earthquake. What makes this even more of a concern is that neither earthquake nor flood is covered by a homeowners, fire, or commercial package policy. While most U.S earthquakes occur on the Pacific coast, no section of the...

Here at HH&B, we recognize that in today’s society, most families own one or more recreational vehicles. The risks of owning a recreational vehicle are similar to those of owning an automobile. A person is exposed by reason of the ownership or use of such a vehicle either due to injury or death to another or damage to another’s property, injury or death to the user of the vehicle, and physical damage to the vehicle itself. Recreational vehicles are...