Insurance Services

BFI Insurance Services specializes in helping Businesses and Families in the process of purchasing insurance for their personal and business needs. BFI Insurance Services is an independent agency that has access to hundreds of regional and national insurance companies. We will quote your business and/or personal insurance, and our experienced insurance specialists place your policies with their highest recommendation to give you the most value out of your policy providing you great coverage, savings and service. Our staff works for YOU, the client. We do not work for the Insurance Company! We want to offer you and/or your business the convenience of having all of your accounts under one roof by providing you a large package savings. 

Services BFI offers: Business Liability, Workers Compensation, Commercial Auto, Errors and Omissions, Umbrella, Homeowners, Auto Insurance and much MORE!

Business Insurance

Workers Compensation Insurance

Workers‘ comp insurance provides five basic benefits: Medical care: Paid for by your employer to help you recover from an injury or illness caused by work.

Temporary disability benefits: Payments if you lose wages because your injury prevents you from doing your usual job while recovering.

Commercial Earthquake

Commercial Earthquake: Your business earthquake policy will generally cover damage to your building and to your business property such as your inventory…. Earthquake insurance policies often have high deductibles—ranging from 2 percent to as high as 20 percent of the value of your building, depending on its location, age and condition

General Liability Insurance

General liability insurance (GL), often referred to as business liability insurance is coverage that can protect you from a variety of claims including bodily injury, property damage, personal injury and others that can arise from your business operations.

Restaurant Insurance

Restaurant Insurance: A Business Owners Policy (BOP) could provide various protections for restaurants including general liability insurance, property insurance, loss of income coverage and more. General liability insurance, or GL, is an important part of any restaurant insurance plan.

Commercial Property Insurance

Commercial property insurance is a type of commercial coverage that can protect your business in the event of a covered loss. Many business owners purchase commercial building coverage as part of their BOP policy. … A fire could destroy your building and the contents inside.

Attorney Liability Insurance

Attorney Professional Liability: Provides attorneys with liability coverage for financial loss suffered by third parties arising from acts, errors, and omissions in providing professional legal services. Fraud, intentional and criminal acts, bodily injury (BI), and property damage (PD) are excluded from coverage.

Excess Liability / Umbrella Insurance

Excess Liability Insurance: A policy issued to provide limits in excess of an underlying liability policy. The underlying liability policy can be, and often is, an umbrella liability policy. An excess liability policy is no broader than the underlying liability policy; its sole purpose is to provide additional limits of insurance.

Professional Liability

Professional Liability/ Errors and OmissionsErrors and omissions insurance (E&O) is a type of professional liability insurance that protects companies and their workers or individuals against claims made by clients for inadequate work or negligent actions.

Errors and Omissions Insurance

Real Estate E&O: Errors and omissions insurance—E&O for short—is a type of malpractice insurance coverage for real estate professionals to help them avoid coming out of pocket for these costs. It pays claims that come about due to erroromission, or negligence related to an agent’s duties.

BOP Insurance (Liability & Property)

BOP Insurance (Business Owners Policy): Insurance companies selling business insurance offer policies that combine protection from all major property and liability risks in one package. (They also sell coverages separately.) One package purchased by small and mid-sized businesses is the businessowners policy (BOP)..

Trucking/Transportation (Freight) Insurance

Trucking/Transportation (Freight) Insurance: An insurance summary of basic coverages for the truck and transportation industry. Insurance is one of the largest fixed expenses that a trucker or trucking company faces today. It is one area that all individuals and companies need to revisit at least annually to make sure their needs are being met. It covers your liability for cargo that is lost or damaged due to causes such as fire, collision, or striking of a load. If your load is accidentally dumped on a roadway or waterway (Removal Expenses coverage), our coverage pays for the cost to remove debris or extract pollutants caused by the debris.

Personal Insurance

Home Insurance

Homeowners Insurance: Typical homeowners insurance policies offer coverage for damage caused by fires, lightning strikes, windstorms and hail. But, it’s important to know that not all-natural disasters are covered by homeowner’s insurance. For example, damage caused by earthquakes and floods are not typically covered by homeowner’s insurance.

Auto Insurance

Auto Insurance: Comprehensive insurance is an optional auto insurance coverage that protects your car against damage not resulting from a collision, as well as from theft. It covers a wide array of events that can damage your car, including vandalism, fires, and rockslides on twisting mountain roads.

Classic Car Insurance

Classic Car InsuranceBy contrast, classic auto insurance usually covers your collectible vehicle for an agreed (often called “guaranteed”) value that is mutually agreeable to you and the insurance company – an amount the automobile is worth based on respected collectible car valuation guides

Watercraft Insurance

Watercraft Insurance: Watercraft insurance is an insurance policy that provides coverage for boats and personal watercraftWatercraft insurance, also known as boat and personal watercraft insurance, often includes towing and wreckage removal, as well as fuel spill indemnification.

Condo Insurance

Condo Insurance: A HO-6 policy is like a regular homeowner’s policy, but for a condominium unit, and with a lot more extras. HO-6 insurance policies cover the interior of the unit and personal property inside–commonly known as “studs in” or “walls in” coverage.

Umbrella Insurance

Umbrella insurance is extra liability insurance. This type of insurance policy is designed to help protect you from major claims and lawsuits and as a result it helps protect your assets and your future. … Provides additional liability coverage above the limits of your homeowners, auto, and boat insurance policies.

RV Insurance

RV insurance protects you, as a recreational vehicle owner, from excessive out of pocket costs in the event of a loss or if you are at fault in an accident that causes bodily injury or property damage.

Off-Road Vehicle Insurance

OffRoad Vehicle Insurance. Let’s face it, off road vehicles are fun. Off road vehicle insurance is a critical tool to make sure you keep them fun. Whether you are a recreational ATV rider, or use your side by side to manage miles of fence line; having it damaged, wrecked, or stolen can cause loss of time and money.

Flood Insurance

Flood Insurance: It’ll cover some damage from rain, but if your home is filled with water because of rising bodies of lakes, rivers, streams, and oceans, it won’t cover you. 2. The most common flood insurance is offered through the federally regulated program known as the National Flood Insurance Program (NFIP)

Personal Article Floater

Personal Article Floater: Personal Articles floater is used to insure valuable personal property that often requires more coverage than what is provided by an insured’s homeowner policy, due to various exclusions and limitations on homeowner coverage.

Earthquake Insurance

Earthquake Insurance: Earthquake insurance is a form of property insurance that pays the policyholder in the event of an earthquake that causes damage to the property. Most ordinary homeowner’s insurance policies do not cover earthquake damage.

Motorcycle Insurance

Motorcycle Insurance: Motorcycle insurance provides financial protection in the event of a motorcycle accident, loss, theft or damage. Motorcycle insurance includes liability coverage in case you are responsible for another person’s injuries or property damage.

Special Event/Wedding Insurance

Special Event/Wedding Insurance: Insurance associated with events covers and protects planners in several specific areas. … General Liability insurance protects a company and all parties involved in the event-the planner, venue, caterers, etc., for losses due to bodily injury or property damage caused by the insured’s employees or agents

Life Insurance

Term Life Insurance

Term Life Insurance: Term life insurance. … If the life insured dies during the term, the death benefit will be paid to the beneficiary. Term insurance is typically the least expensive way to purchase a substantial death benefit on a coverage amount per premium dollar basis over a specific period of time.

Whole Life Insurance

Whole life insurance is a type of permanent life insurance. … Like most permanent life insurancepolicies, whole life offers a savings component, called “cash value,” and life-long protection — if premiums are paid, whole life provides a death benefit after you die.

Universal Life Insurance

Universal Life Insurance: With a universal life insurance policy, the insured is protected with a guaranteed amount of death benefit proceeds. In addition, funds that are in the policy’s savings component are invested to provide the policy holder with cash value build up. Over time, this cash can grow on a tax deferred basis. Borrowing from the cash value of your life insurance does have some upsides, the biggest of which is the tax advantage. Withdrawals of any amount from the accumulated cash value of your whole or universal life policy are tax free up to the amount of the premiums you have paid.

Variable Universal Life Insurance

Variable Universal Life Insurance: Variable life insurance is a permanent life insurance policy with an investment component. The policy has a cash value account, which is invested in several sub-accounts available in the policy. A sub-account acts like a mutual fund, except it’s only available within a variable life insurance policy.

Our Insurance Companies