At HH&B, we provide a variety of insurance products to cover the needs of today’s ever changing insurance climate. We can provide coverage for the small one-man contractor as well as the large, multi-location corporation. Our agents are not simply “salesman”, but experienced risk managers who can identify and analyze loss exposures and suggest the appropriate ways to deal with these exposures, either by insurance or through some other means.

We offer the basic coverages including property, general liability, workers compensation, and business auto, as well as the more complex coverages such as Errors & Omissions Insurance, Employment Practices Liability Insurance, Directors & Offices Liability, Computer Hardware and Media Coverage, and Commercial Umbrella Insurance.

Because HH&B represents some of the most well known and well respected commercial insurance companies in the United States, we can offer a wide variety of products. Call your local HH&B agent and have them do a thorough review of your business insurance account.

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 financial loss may result. Anyone who owns a home, or owns any type of property is exposed to this type of financial loss.

A homeowners’ policy is designed to cover the home, any other buildings on the insured property, as well as furnishings in the home including furniture, clothing, appliances, carpeting, and if specifically insured, jewelry, furs, and guns. The homeowners’ policy also provides liability and medical payments coverage in case someone is accidentally injured on the insured property.

Since the homeowners’ policy is extremely flexible and offers a variety of different levels of coverage, it is wise to contact your local HH&B agent for a thorough review of your homeowners needs. Because HH&B represents a number of well respected homeowners’ insurance companies, your HH&B agent can offer the most comprehensive coverage at the best available price.

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 expenses that result from an automobile accident.
3).The cost to repair or replace your vehicle which has been damaged or destroyed in an automobile accident.
4).The cost to rent a substitute vehicle while your vehicle is being repaired or replaced.

Contact your local HH&B agent to find out how you can protect yourself from the possible loss of your personal assets as a result of an automobile accident.

While most U.S earthquakes occur on the Pacific coast, no section of the country is immune. We had a good example of that the Mid-Atlantic region in 2011. Earthquake insurance can be purchased, and it is important to discuss this coverage with your local HH&B agent if you have some concerns that you may be in an area subject to earthquake losses.

Flood Insurance is administered by the National Flood Insurance Program, a component of FEMA. It is important to know that just a few inches of water can cause tens of thousands of dollars of damage. Over the past 10 years, the average flood claim is $48,000. Flood insurance is available to homeowners, renters, and owners of residential and commercial property. Coverage is available for building and personal property. There is a 30 day waiting period from the date insurance is purchased until the policy goes into effect. If you are concerned that your property may be susceptible to a flood loss, contact your local HH&B agent and discuss your concerns.

Recreational vehicles are generally grouped into five categories:

1). Land motor vehicles with four or more wheels (ATV’s).
2). Land motor vehicles with fewer than four wheels (Motorcycles).
3). Land motor vehicles which operate on crawler treads (Snowmobiles).
4). Non self-propelled land vehicles (campers).
5). Watercraft.

Each of these various types of recreational vehicles represents a unique exposure and must be properly insured.

HH&B represents a number insurance companies that can insure each of the various types of recreational vehicles mentioned above. If you own any of these types of vehicles, or are not sure if the vehicle you own should be insured, contact your local HH&B agent and they will review your particular situation.