Insurance Services
How can we help you?
J.M. Johnson Insurance Agencies is a leading provider of comprehensive insurance solutions tailored to businesses across various industries. With a commitment to excellence and a focus on client satisfaction, loss prevention, safety and risk management, we pride ourselves on delivering innovative insurance products and personalized service to meet the unique needs of our clients.
Auto Insurance
Auto insurance is a type of coverage that protects you financially in the event of an accident involving your vehicle. It typically includes several types of coverage:
Liability Coverage: This covers damages you cause to others in an accident, including bodily injury and property damage.
Collision Coverage: This pays for damage to your car resulting from a collision with another vehicle or object.
Comprehensive Coverage: This covers damage to your car from non-collision events, such as theft, fire, or natural disasters.
Personal Injury Protection (PIP): This covers medical expenses for you and your passengers, regardless of who is at fault.
Uninsured/Underinsured Motorist Coverage: This protects you if you’re involved in an accident with a driver who doesn’t have sufficient insurance.
Auto insurance policies can vary widely, so it’s important to choose one that fits your needs and budget. If you have any specific questions or need more details, feel free to ask!
Property Insurance
Property insurance is designed to protect your assets, such as your home, rental properties, or commercial buildings, from various risks. These risks can include damage from natural disasters, theft, vandalism, and other unforeseen events. Property insurance typically covers the structure of the building, personal belongings inside, and liability protection in case someone gets injured on your property.
There are different types of property insurance policies, including:
Homeowners Insurance: Covers your home and personal belongings, as well as liability protection.
Renters Insurance: Protects your personal belongings and provides liability coverage if you’re renting a property.
Commercial Property Insurance: Covers business properties, including buildings, equipment, and inventory.
Each policy can be tailored to meet your specific needs, ensuring you have the right level of coverage for your property. If you have any specific questions or need more details, feel free to ask!
Commercial Insurance
Our experts at J.M. Johnson Insurance Agencies take a risk management approach to understanding your business and risk tolerance levels to establish your needs for insurance. Offering customized insurance solutions designed to safeguard your enterprise against property damage, liability claims, and unforeseen disruptions, empowering you to focus on growth and success.
Boat & Cottage Insurance
Boat and cottage insurance are specialized types of coverage designed to protect your recreational assets.
Boat Insurance typically covers:
Physical Damage: Protection against damage to your boat from accidents, theft, or natural disasters.
Liability Coverage: Covers legal liability for bodily injury or property damage caused by your boat.
Medical Payments: Covers medical expenses for injuries sustained by you or your passengers.
Uninsured Boater Coverage: Protects you if you’re involved in an accident with an uninsured boater.
Cottage Insurance generally includes:
Property Coverage: Protects the physical structure of your cottage and any detached structures like sheds or garages.
Contents Coverage: Covers personal belongings inside the cottage.
Liability Coverage: Protects against legal liability for injuries or property damage that occur on your property.
Additional Living Expenses: Covers costs if you need to live elsewhere while your cottage is being repaired due to a covered loss.
These policies can be customized based on your specific needs and the unique risks associated with owning a boat or cottage. It’s always a good idea to review your coverage options with an insurance professional to ensure you have the right protection.