McKinney, Michael

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Insurance, Auto Insurance, Homeowners Insurance

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(828) 765-5445Call Visit WebsiteVisit Website Map & DirectionsDirections205 Cranberry StNewland, NC 28657 Write a ReviewWrite Review

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McKinney, Michael

Auto Insurance
Automobile - Automobile insurance is available for autos you own, rent or lease. You may also purchase coverage even if you do not own an automobile, but occasionally drive one. This is a package insurance policy, which covers your Personal Liability when using an automobile. Optional coverage include: Medical Payments (for your passengers); Uninsured Motorist; Underinsured Motorist; Comprehensive (fire, theft, glass breakage, vandalism, flood, etc.); Collision (damage to your Auto in event of an accident); Towing; Rental Reimbursement; and others.

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Extra Phones: Phone: (828) 733-4540
Other Link: http://www.cardinalinsurance.net
Categories: Insurance, Auto Insurance, Homeowners Insurance, Liability & Malpractice Insurance, Life Insurance, Renters Insurance, Workers Compensation & Disability Insurance

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Phone: (828) 765-5445

Address: 205 Cranberry St, Newland, NC 28657

Website: http://www.cardinalinsurance.net

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McKinney, Michael

Auto Insurance
Automobile - Automobile insurance is available for autos you own, rent or lease. You may also purchase coverage even if you do not own an automobile, but occasionally drive one. This is a package insurance policy, which covers your Personal Liability when using an automobile. Optional coverage include: Medical Payments (for your passengers); Uninsured Motorist; Underinsured Motorist; Comprehensive (fire, theft, glass breakage, vandalism, flood, etc.); Collision (damage to your Auto in event of an accident); Towing; Rental Reimbursement; and others.

Renters Insurance
Renters - Renters insurance is designed for individuals who rent their residence. This is a policy which packages the following insurance coverage: Property damage to your Contents; Additional Living Expenses (extra expense for Rent, Food, Utilities, etc.) if you cannot live in your apartment because of covered damage; and your Personal Liability.
Home Insurance
Homeowners - Homeowners insurance is designed for individuals who own their homes. This is a policy which packages the following insurance coverage: Property damage to your home and it's contents (furniture, clothing, etc.); Outbuildings on your property; Additional Living Expenses (extra expense for Rent, Food Utilities; etc) if you cannot live in your home because of covered damage; and your Personal Liability.

Health and Life

Life Insurance
Life Insurance - This is one of the most valuable protections you can provide for your family. The proceeds of this policy are paid to your beneficiary, in the event of your death. Many types of policies are available from many different companies we represent, some of the most popular policies include: Term Insurance (this policy provides protection for a limited period of time, with an increasing premium, and is available in policy periods of 5 years, 10 years, 20 years and 30 years, these policies are generally renewable with a premium increase at the end of the period); Whole Life, which is designed to provide protection for all of a person's life, at a level premium, and builds a Cash Value; Universal Life (provides for a flexible premium payment, allows you to change the death benefit from time to time, and still builds a Cash Value).

Workers Compensation Insurance
Workers' Compensation - This coverage is Statutory (required by law) and varies by state. Coverage is Compulsory in most states. North Carolina requires that any employer of 3 or more employees provide this coverage. Should you fall within the Workers' Compensation laws, you are responsible, without regard to fault, for any employee injury. Workers Compensation laws also protect the employer, by preventing lawsuits against the employer for negligence. Employers of fewer than 3 can voluntarily elect to have Workers' Compensation laws apply. Premiums are determined by applying a rate (determined by the type of work performed) to the annual payroll of your employees, and is adjusted according to your previous claim experience.
Commercial Liability Insurance
Business Umbrella - This policy provides additional Liability coverage to your business, above that already provided by other policies (General Liability, Automobile Liability, Employers Liability, etc.) Coverage is available in increments of $1 million and the premium rate decreases as coverage limits increase. This is an important coverage which every business should consider. The greater your companies assets, the higher you Business Umbrella limits should be.
Professional Liability Insurance
Professional Liability - This commercial coverage is designed to cover the unusual Liability exposures arising from certain Professions. Those Professionals who may need this special coverage include: Physicians; Dentists; Pharmacists; Attorneys; Accountants; Social Workers; Nurses; Funeral Home Directors; Architects and Engineers; Ministers; Barbers and Beauticians; Computer Programmers and Software Designers; Insurance Agents; Opticians; Veterinarians; etc.

Liability Insurance
Personal Umbrella - This Liability policy provides additional coverage, above that provided in your Home, Auto and Boat policies. This policy is typically purchased by those individuals with higher incomes, and more assets at risk.

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