What is "Insurance"?

Insurance is a contract, represented by a policy, in which an individual or entity receives financial protection or reimbursement against losses from an insurance company. The company pools clients' risks to make payments more affordable for the insured.

Insurance policies are used to hedge against the risk of financial losses, both big and small, that may result from damage to the insured or her property, or from liability for damage or injury caused to a third party.

Investopedia (emphasis added)

Why do I need an Insurance Agent?

Some risks are so widely recognized and acknowledged that one is required by law to have insurance against them. As an example, car insurance is required by law to operate a motor vehicle on public roads. Your bank or credit union is required to have Federal insurance against theft or fraud against your deposits. Some places require insurance on your property against floods.

A good insurance agent is a highly-trained specialist who helps you identify assets which are not insured, or not appropriately insured, and find sensible and affordable policies to reduce the risks in your life. It is also beneficial to work with an agent who maintains relationships with a number of insurers, so that you have choices in the marketplace.

Why should I use Andrew Gill Insurance Associates?

Andrew Gill Insurance Associates know our communities and our clients. We have years of experience in the insurance business, which enables us to examine your risks and coverages to give you certainty that your assets are properly protected from risk at the right cost. Call us today for a thorough review of your situation, and be ready to sleep easier tonight.

Important Disclosures

Statements on this web site as to policies and coverages provide general information only. This information is not an offer to sell insurance. Insurance coverage cannot be bound or changed via submission of any online form/application provide on this site or otherwise, e-mail, voice mail or facsimile. No binder, insurance policy, change, addition, and/or deletion to insurance coverage goes into effect unless and until confirmed directly by a licensed agent. Any proposal of insurance we may present to you will be based upon the information you provide to us via this online form/application and/or in other communications with us. Please contact our office at (734) 856-4343 to discuss specific coverage details and your insurance needs. All coverages are subject to the terms, conditions and exclusions of the actual policy issued.

Not all policies or coverages are available in every state. Information provided on this site does not constitute professional advice; if you have legal, tax or financial planning questions, you should contact an appropriate professional. Any hypertext links to other sites are provided as a convenience only; we have no control over those sites and do not endorse or guarantee any information provided by those sites.