The Hambrick Agency is your go-to source for top-notch home, auto, commercial, and specialty insurance. With our expertise and customer-focused approach, we are here to protect what matters most to you.
Whether it’s your family, property, vehicle, or business, we offer tailored coverage options and personalized advice to meet your specific needs. Our dedicated team of professionals is ready to assist you and build lasting relationships that provide peace of mind. Count on us for the best insurance solutions that go beyond policies and premiums.
Home Insurance
Home Owners • Renters • Condo Owners • Rental Properties • Manufactured Homes • High End Homes
Auto Insurance
Personal Auto • Classic Car
Specialty Insurance
Motorcycle • Recreational Vehicle • Boat
The Michel Hambrick Insurance Agency is your go-to ally when it comes to finding the perfect commercial insurance for your business.
With her extensive industry knowledge and a knack for understanding your unique business needs, Michel can tailor insurance solutions that fit like a glove. By assessing your specific requirements, potential risks, and industry regulations, she’ll pinpoint the best insurance policies and providers for you.
With her expertise in negotiating terms and costs, you’ll secure comprehensive coverage without breaking the bank, giving you the peace of mind to focus on running your business smoothly.
Business Owners Policy (BOP)
A BOP combines commercial property, general liability, business income and other coverages into one convenient package. You’ll have just what you need when it comes to your retail business insurance.
General Liability
Helps protect your business from claims that it caused bodily injury, property damage or personal injury (i.e. libel or slander). These risks can come up during normal business operations no matter how careful we think we are.
Commercial Auto
A policy of physical damage and liability coverages for amounts, situations, and usage not covered by your personal auto insurance policy. Covers many types of commercial cars, trucks and vehicles
Worker’s Compensation
Helps protect your business from claims that it caused bodily injury, property damage or personal injury (i.e. libel or slander). These risks can come up during normal business operations no matter how careful we think we are.
Cyber Insurance
Essential in helping your company recover after a data breach, with costs that can include business disruption, revenue loss, equipment damages, legal fees, public relations expenses, forensic analysis and costs associated with legally mandated notifications.
Lessor’s Risk (LRO)
Commonly referred to as landlord or LRO insurance, lessor’s risk covers you in the event that one of your tenants sues you for property damage or injuries sustained while on your premises
Bonds
Although they are generally lumped in the insurance category, bonds are actually not technically insurance.
A bond (also called surety bond) is an agreement between three parties – the principal (the person purchasing the bond), the obligee (the person who receives the benefit) and the insurance company.
An insurance bond is not meant to pay for claims. It is meant to provide a financial guarantee that the person or entity purchasing the bond (the principal) will reimburse the obligee should the principal default, fail to fulfill its obligations, or a claim is made.
In other words, an insurance bond is meant to prove or support the financial stability of the entity purchasing the bond. It affirms that the principal will be able to repay the bond company if it pays out a claim.
Inland Marine
Inland marine insurance covers products, materials and equipment when transported over land—e.g., via truck or train—or while temporarily warehoused by a third party.
Collisions and cargo theft are the two most frequent causes of inland marine losses.
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