Smith, Brown, Lyones & Farnsworth Insurance - A Sevigney Group Affiliate
Please choose one of the following categories to view more about our insurance options.
Automobile
Insurance protects your investment and keeps you financially secure from loss due to your legal liability to other injured parties or property.
Homeowners/Seasonal and vacation homes/apartments and condominiums/multi-family dwellings
Homeowners and Renters insurance is designed to protect your home and allow you to remain financially secure at a time of loss. Coverage may include a dwelling, detached structures, personal belongings, loss of use, and most importantly liability protection.
Personal Umbrella
This policy provides coverage for liability over and above what all your other personal property and liability policies provide.
Boats/Yachts/ Recreational Vehicles: Snowmobiles, ATVs
Boats, yachts, and more are not covered under your standard homeowners or personal auto policies. You need additional coverage to protect them from physical damage and liability.
Valuable Property
Valuable property, such a jewelry, fine arts, photographic equipment and even computers may need additional coverage beyond your standard homeowners
Flood Insurance
Your homeowners insurance may not cover damage suffered because of a flood. Flood insurance is a national program offered through participating agents. Ask about about how we can help you protect yourself against flood damages.
Whatever your needs may be, our agencies will get you the coverage you need.
- Automobile
- Motorcycle
- Recreational Vehicles
- Homeowners
- Renters
- Marine
- Farm
- Umbrella
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Property Insurance
A commercial property insurance policy covers losses to "real" property - buildings; furniture, contents, equipment, fixtures, inventory and business income/extra expense.
Liability Insurance
General liability insurance protects against liability for bodily injury, property damage, or personal and advertising injury.
Workers Compensation
Workers' compensation insurance covers business owners if an employee is injured on the job. It can also help injured employees return to work quickly with little or no loss of income. Employers pay all of the costs of workers' compensation insurance.
Business Auto / Commercial Umbrella
This policy provides coverage that creates an "umbrella" of liability protection over all your other commercial property and liability policies.
Directors & Officers
D & O coverage protects individuals and companies against allegations involving breach of fiduciary duty, inadequate disclosure, violation of anti-trust laws, deceptive trade practices, as well as others.
Employment & Related Practices Liability
Employment Related Practices coverage covers you, your corporation, your directors, officers and employees from actual or alleged wrongful acts related to employment and workplace disputes, as well as from unexpected legal fees and judgments.
Every business has its own set of risks, whether it's large or small. We will assess your business needs and put together a comprehensive insurance program.
- Automobile
- Property and Liability
- Workers' Compensation
- Marine
- Employee Benefits
- Umbrella
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The rising cost of Health insurance has everyone scrambling for cover. Sevigney Group can handle all kinds of Health insurance, from the smallest individual policy to the largest group plans.
- Life
- Health
- Long Term Care
- Disability
- Medicare Supplements
Working hard to support your family, lifestyle, and education is a rewarding accomplishment. Let our Life consultants help your create a plan to take care of your family and provide for them.
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Working in conjunction with Kasprzak Financial Associates, we can help you plan your financial future.
- Life
- Health
- Disability
- Estate Planning
- Long Term Care
- Retirement Packages
To start on the road to financial success, please visit: http://www.kasprzakfinancial.com/
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