Insurance Services
Effective insurance planning provides a foundation under your financial world—some refer to it as the “mote around the castle”. The sad reality is bad things happen to good people. The governing objective of insurance planning is to provide the optimal protection at the optimal cost so that when a major risk occurs, it doesn’t impact the rest of your plan. Accordingly, we offer insurance consultation services that include coverage needs analysis, current coverage audit, plan design, and shopping for the best coverage for the best price. We are not tied to any one carrier or product, which gives us the flexibility to shop around until we find the best plan for your specific needs. Insurance audits include:
Auto, Home and Commercial Insurance
Cambridge Insurance Services is a subsidiary of Cambridge Financial Services and is an independent broker of personal and commercial lines of insurance. As an independent broker we can shop for your protection across many highly-rated insurance carriers until we find the best fit for the best price. Insurance services we provide include:
Personal Lines
- Auto Insurance
- Homeowners Insurance
- Flood Insurance
- Condo Insurance
- Motorcycle
- RV
- Umbrella Protection
- Mexico Insurance
Commercial Lines
- Commercial Auto
- Commercial Property
- Flood Insurance
- Inland Marine
- Workers Compensation
- Commercial General Liability
- Cyber Coverage
- Professional Liability
- Directors and Officers Liability
It may be worth your time to meet with one of our highly experienced consultants. For a more in-depth overview of Cambridge Insurance Services and how we can help you, click here to go to the Cambridge Insurance Services website.
Disability Insurance
Disability insurance can be designed in many different ways to address the risk of lost income as a result of the effects of a prolonged illness or injury, but it takes experience and expertise to do so effectively. Through our strategic alliances, we can conduct a full policy audit to determine how well your current plan addresses your needs, as well as the ability to carefully design coverage among many different carriers to fit your particular needs.
Health Insurance
Comprehensive employee benefits and health insurance programs have never been more important to attract and retain top talent. Health Care Reform has complicated benefit administration and stretched employer groups due to all the mandates and compliance requirements currently in place. High rate increases are challenging companies, employees, and their families to afford coverage long term. Plenty of licensed agents are willing to sell you a group health insurance policy, but there are few consultants who really understand the complexities of the industry and that go beyond offering the standard solutions presented by traditional agents.
If you are willing to invest in your employees, you should partner with a consultant that has the expertise and relationships to design and negotiate the best long-term plan for your business. CBS’s size and expertise give them leverage to negotiate the best terms and coverage available for your company, both locally and nationally. Our alliance with Cambridge Benefits Solutions gives you access to one of the largest general health insurance consultant firms in the United States with a “Best in Class” rating among its peers. With CBS, you will receive custom-designed solutions and strategies unique to you and cutting edge in the marketplace. For a more complete review of CBS, click here.
Life Insurance
Unfortunately, the insurance industry is filled with more salesman than consultants and often insurance is more sold than fitted. The risk of premature death can be devastating to a family or business if not protected properly, so it is imperative that you have an insurance plan carefully designed around your unique needs, your current resources, and the best available insurance options. Because we are not tied to any one carrier, we have the flexibility to sift through many different companies and products until we find the right fit for your needs.