Our Services
Home Insurance - Life Insurance
Auto Insurance
Home Insurance:
Property coverage: Home insurance provides protection for your physical dwelling and any structures on the property, such as garages and sheds. It typically covers damage caused by fire, theft, vandalism, and certain natural disasters.
Liability coverage: This component of home insurance helps protect you financially in case someone is injured on your property or if you unintentionally cause damage to someone else's property. It can help cover legal fees, medical expenses, and potential settlement costs.
Personal belongings coverage: Home insurance also includes coverage for your personal belongings, such as furniture, appliances, and clothing. This component can provide reimbursement if your belongings are damaged or stolen.
Life Insurance:
Death benefit: One of the primary components of life insurance is the death benefit, which is a lump sum payment to beneficiaries upon the insured person's death. It can help replace the income of the deceased, cover funeral expenses, pay off debts, and provide financial security for loved ones.
Cash value component: Some life insurance policies, such as permanent life insurance, have a cash value component. This means that a portion of the premiums you pay accumulates over time, earning interest. You can borrow against this cash value or surrender the policy for a cash payout if needed.
Term vs. permanent: Life insurance can be divided into two main categories: term and permanent. Term life insurance provides coverage for a specified period, such as 10 or 20 years, while permanent life insurance offers lifelong coverage. Each type has its own benefits and considerations.
Auto Insurance:
Liability coverage: Auto insurance typically includes liability coverage, which helps pay for any injuries or property damage caused by you in an accident. It's important to have sufficient liability coverage to protect your assets in case you are sued.
Collision coverage: This component of auto insurance helps cover the cost of repairing or replacing your own vehicle if it's damaged in a collision with another vehicle or object.
Comprehensive coverage: Auto insurance may also include comprehensive coverage, which protects against non-collision events such as theft, vandalism, weather damage, or hitting an animal. This coverage can help pay for repairs or the replacement value of your vehicle.
Liability - Workers Compensation, Property, General/Professional liability
Secure Your Business with Comprehensive Liability Insurance
As a small business owner, you undoubtedly understand that it's crucial to protect your enterprise from potential risks and liabilities that may arise during your day-to-day operations. That's why Calley Benefits Services offers a comprehensive Liability Insurance plan tailored specifically for small businesses like yours.
Our Liability Insurance is designed to shield your business from a wide range of claims that may emerge as a result of your ordinary operations. From property damage to physical injury, defense costs to personal and advertising injury, our policy covers a multitude of potential liabilities.
Property Damage:
Accidents happen, and unfortunately, they can lead to unintended property damage. Whether it's a defective product that causes harm or accidental damage to a client's property, our Liability Insurance safeguards your business by covering the costs associated with property damage claims.
Physical Injury:
In today's litigious society, even the smallest incident can result in complicated physical injury claims. Whether it's a slip and fall at your premises or an injury inflicted by one of your products, our policy ensures that your business is protected and can handle the financial burdens arising from such claims.
Defense Costs:
Legal battles can be arduous and financially crippling, putting a significant strain on your resources. Our Liability Insurance provides coverage for defense costs, including legal fees, expert witnesses, and other expenses incurred while protecting your business's interests. With our policy, you can focus on running your business while we handle the financial aspects of your defense.
Personal and Advertising Injury:
In today's digital world, the potential for personal and advertising injury claims has increased significantly. Accidental copyright infringement, defamation, or invasion of privacy can lead to costly legal battles. Our Liability Insurance policy provides the necessary coverage to handle such claims, allowing you to mitigate the financial risks associated with personal and advertising injury lawsuits.
At Calley Benefits Services, we understand the unique challenges faced by small businesses. That's why our Liability Insurance is designed specifically to protect your enterprise by mitigating financial risks arising from property damage, physical injury, defense costs, personal and advertising injury claims, and more. Ensure the longevity and prosperity of your business by securing comprehensive Liability Insurance from Calley Benefits Services. Contact us today to discuss your specific needs and let our experienced team guide you through the process of finding the ideal insurance solution for your small business.
Property Insurance - Floods, Tornadoes, Earthquakes
Protecting Your Property from Natural Disasters
Property insurance serves as a crucial safeguard against unforeseen damages caused by natural disasters such as floods, tornados, and earthquakes. Investing in such coverage offers invaluable peace of mind, assuring property owners that their homes and belongings are protected in times of crisis.
Flood insurance aids in mitigating the financial impact that a devastating flood can have on a property, including repairs and replacements. Tornado insurance shields against the ravages of destructive winds, covering the costs of rebuilding or repairing a damaged structure.
Meanwhile, earthquake insurance provides an essential buffer against seismic events, covering damages to dwellings and possessions. In the face of these unpredictable phenomena, property insurance brings security and stability, allowing homeowners to focus on recovery rather than the burdensome costs of reconstruction.