Our Services

Our agency provides the following coverages: Commercial Property & Liability (condominium/apartment complexes, food manufacturers and midsize auto fleet insurance) and Personal Insurance (Auto Insurance, Home Insurance, Life Insurance and Medicare Supplements).

Auto Insurance

Here are some common questions people ask when they shop for car insurance:

  • What type of auto insurance can I choose from?
    There are two types of auto insurance: Liability coverage pays for damage to other vehicles or injuries to other people that you cause. Physical Damage coverage pays for damage to your vehicle. These two coverages are the foundation of your policy.
  • How much coverage should I buy?
    Each state defines the minimum amount of coverage required, but after that, the amount of coverage you buy is up to you. You choose based on your comfort level, budget and lifestyle. Some people want as much coverage as possible for all of life’s “what ifs.” Others are satisfied with bare-minimum coverage. If you have a newer vehicle, you may want more coverage to protect your investment. If you can afford higher deductibles (the amount you’ll pay out of pocket in the event of an accident), you can raise them and pay less premium.
  • How is my rate determined?
    Rates are based on a combination of pieces of information about you, your driving record and your car. It’s important for you to provide accurate information to your local agent or to the insurance company you’re buying from. It helps them determine the best options and rates for you.
  • Can I get a lower rate?
    Many insurance companies offer discounts that can help lower your rate. For example, Progressive offers discounts for good student drivers, paying your premium electronically and having more than one policy.

Business Insurance

Are Your Liability Exposures Adequately Covered?

As a business owner, your operation may be subject to a potentially catastrophic loss that you may not have considered.

A customer who arrives at your premises slips and falls on the stairs. As a result of this fall, the customer undergoes several knee, back and neck surgeries and now requires the use of a cane. A jury finds you 100% liable for the customer’s injuries and awards the customer $1.6 million for his injuries.


Fortunately, you have a liability policy with a $1 million limit. However, you do not have a commercial umbrella policy in place as part of your commercial insurance protection.

As a result of the $1.6 million verdict, you are now liable for the remaining $600,000, and your business assets are exposed to garnishment, attachment or other means the court deems sufficient to pay the balance of the judgment.

While your auto and general liability policies may protect against minor misfortunes, these policies do not provide the protection you need in the event of a catastrophic claim.

Interested in a commercial umbrella policy? You will need to carry a minimum limit of $500,000 for both your commercial auto and general liability policies, and a minimum limit of $100/$500/$100 for employer’s liability policy.

A commercial umbrella may be written with a limit of $1 million; up to a limit of $10 million (higher limits may be available).

Please contact our office today to discuss commercial umbrella coverage and verify that you are adequately protected from a potentially catastrophic loss.

Homeowners Insurance

Protect your home in cases of fire, theft, storms and more. Let us help you choose from standard coverage options that provide basic protection for your home and property, all the way up to deluxe options that better protect your home's value and assets like jewelry. You can even get coverage that protects you in the event of law suits or identity theft.

Auto-Owners is ranked “Highest in Customer Satisfaction with the Auto Insurance Claims Experience, Five Years in a Row” according to J.D. Power and Associates. Peterson Insurance has proudly represented Auto Owners Insurance Company for over 28 years.