Personal Insurance

Long Term Care Insurance

Long term care insurance is an important part of your financial plan. It is an affordable solution to help pay for important health care services as you age.

More of us are living longer, and we are more likely to need some type of assistance – whether it’s physical or occupational therapy or full-time, skilled nursing care. Unfortunately, not everyone is able to put enough aside to pay for extended medical care. Relying on family can be difficult, and it’s not a burden we want for our loved ones.

Long term care policies generally provide coverage for a wide range of health expenses, including:

Nurses
Certified nursing assistance
Physical, occupational and respiratory therapists
Home health aids and homemaker services

These services can be provided in your home, an assisted living facility, an adult day center, a nursing or skilled care facilities or hospice services.

The right coverage for you shouldn’t be driven by price alone. Be sure to talk to a CAI Risk Advisor who can build a plan that gives you the protection you need.

It’s the obvious choice to buy a homeowners insurance policy that will protect your home in case of a loss. Talk to a CAI Risk Advisor and discover how affordable the right coverage can be.

Protect more than your property. Protect your finances and future with umbrella insurance. It can be surprisingly affordable. Talk to a CAI Risk Advisor to learn more about your options.

Life and disability insurance are an important investment for individuals and families. It’s often less expensive than you think. Protect your personal income. Talk to a CAI Risk Advisor today.

Taking control over the unknown requires more than an insurance policy. We’ve put our experience to work for you, sharing insights about emerging risks and the latest regulations that could impact you or your business -- helping you to protect your greatest assets.

Understanding Personal Liability Coverage

Personal liability coverage is a crucial part of homeowners and renters insurance. It can help financially protect you in a variety of scenarios you may encounter, such as a guest being injured in your home or your child or pet causing third-party bodily harm or property damage.

Keeping Mold Out of Your Home

Molds are organisms that breakdown animal matter and dead plants. Though most molds grow outdoors, they can travel inside by way of open windows and doors, air conditioning systems and on pets, clothing and shoes. Once inside your home, mold needs a moist food source, such as lint, ceiling tiles or wallpaper to grow.

Recognize Risk

Understand Risk

Control Risk