Specialty Coverages

We know that your unique business needs a unique insurance package.

We specialize in the following types of businesses. We spend a lot of time on education, talking with our customers, and being involved in these sectors’ professional/networking organizations so that we can present you with a package tailored to the unique challenges you face.

Childcare Schools, Centers, Head Start and In-Home Providers:

While your customers may be small, we know that the responsibilities you shoulder are large! We have expertise in the childcare industry spanning more than 18 years. Our owner, Debe Marofsky, is the endorsed agent for the Minnesota Child Care Association, sits on the advisory board for the childcare program with West Bend Mutual Insurance Company, and is the referenced insurance expert for Tom Copeland’s “Family Child Care Legal and Insurance Guide.” Recently she has been added to the preferred provider list for the Primrose Schools.  We offer many specialized coverages including abuse and molestation,  playground equipment, loss of business income,  computer coverage, abduction, employment practices liability, and much more. We also offer free safety seminars to our customers to help you decrease the likelihood of an insurance claim.

In-Home Health Care:

Patient care should be your focus. Let us help guide you through the insurance process so you can get back to your patients. We offer many specialized coverages including professional liability, employment practices liability, sexual misconduct liability, auto, workers’ compensation  and much more.

Churches/Synagogues/Places of Worship:

More than just a business, we know that your place of worship holds a very important place within your community. Our agents will take the time to get to know you and your congregational needs. We will then tailor the coverage to best protect your organization based on things like the type of building, congregation size, and other factors. We offer many specialized coverages including property, general liability, abuse and molestation, directors and officers liability insurance, and much more.

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