Auto Insurance isn't just a good thing to have to protect you financially in the case of an accident - in many states it's required.

All of the Insurance companies we represent provide a wide range of auto Insurance products at a fair price. Your price gets even better if you qualify for any of our available discounts. When applying for auto Insurance, you're usually asked whether you want collision and/or comprehensive coverage, how high you want your deductible to be, what liability limits you want, and whether you want any types of optional coverage.

The coverage you have depends upon the type of policy you have. Unlike auto insurance, where the policies are pretty much the same, homeowners policies can be quite different, depending on the "form" number. The most common types of homeowner policies are:

1. HO3 Special (also called Deluxe, All Risk)
2. HO4 Renters policy
3. HO5 Open Peril Policy
4. HO6 Condo policy
5. HO8 Older Home Policy

Many financial experts consider life insurance to be the cornerstone of sound financial planning. It can be an important tool in the following situations:

The cost of medical care and the rising of health insurance premiums continues to make your health insurance options a #1 priority when considering your health insurance choices.  The information below may help some of your questions about health insurance so you can make an intelligent choice at a resonable price.

Who needs Long Term Care coverage?  When should you get it?  What are the different options for care?  These are just a few of the questions commonly asked when it comes to Long Term Care insurance plans.  At Ayers Insurance we represent the leading carriers in the industry.  We sit down with you to go over the various options available and find the plan that best fits your particular needs.  Whether it is home healthcare, assisted living or skilled nursing care that is needed we can a program to fill the need.

Choosing the right business or commercial insurance plan for your business can be very confusing, so we have developed many different options and programs to meet the needs of our commercial insurance clients in Akron, Northeast Ohio.

Whether you have a large or small fleet of vehicles for your business, we can figure out what coverage’s are needed and design a plan that will help protect your company.  A commercial fleet could be the lifeblood of your business so don’t let a multi car pileup be the end of your business through lawsuits and litigation.  Our team at Ayers Insurance would be more than happy to sit down with you any time and go over your coverage’s.

Your business every day is faced with the dangers from normal operation.  This coverage is the first line of defense to most types of claims and lawsuits against you.  General Liability will cover you in four common areas: Property Damage, Bodily Injury, Personal Injury, and Advertising Injury.  This would also include common costs when being sued even if found fraudulent such as the cost to defend.

In this changing environment of group health insurance it is important to have someone you can rely on to know how the changes will affect your employees and their benefits.  There are options available to employers when it comes to offering group benefits to their employees.  Group health benefits, group life, group short term and long term disability, group dental, group long term care.  We represent a large number of insurance companies that offer a variety of coverages.  Each company offers different programs that will fill the needs of your employees.  Many of these benefits are voluntary and will not be an expense to the employer.  We would like to sit down with you and discuss your needs and work together to find the solutions.

We have been specializing in small and large contractors for over 50 years.  We can sit down with you and go over a comprehensive review of your coverage’s to make sure you are getting the best thing for your business.  We will look at making sure you have the right equipment scheduled and the proper coverage while working at job sites.

Which of there assets would you insure first – Home, Auto, Jewelry?  The one that is missing is your most important asset.  Your ability to earn a living.  It is easy to take for granted your ability to earn a paycheck, but consider this: If you were too sick or hurt to work full time, would you be able to pay your monthly bills?  If you suffered a loss of income for many years, would your long-term goals such as retirement be affected too?  Protect the asset that makes everything possible – your income.  Talk to us today about Disability Insurance.