Curtis Miller Ins Agency Inc

Products And Services

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  ATV Insurance

  All-Terrain Vehicles (ATV) are becoming increasingly popular. ATVs now come in a variety of models. Insurance companies have a different set of rules for providing coverage for ATVs, depending on the vehicle type. ATV insurance is very similar to motorcycle insurance. All-terrain vehicles are three, four or six-wheeled buggies used off-road. 4×4 insurance has the same basic coverages included in the motorcycle insurance policy, tweaked for the needs of off-road enthusiasts. Curtis Miller Insurance Agency can help you get the specialized coverage you need for your specialized vehicles. We can help you protect your investment and let you get focus on having fun.

  Link: ATV Insurance

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  Auto Insurance

  Auto or car insurance coverage has two parts. The first is the liability section of the policy. It covers your financial responsibility for injuring others. Some liability coverage is required by most states. The second part of auto insurance covers the car itself: comprehensive coverage reimburses losses from fire, theft or other perils; collision coverage pays to repair losses caused by an accident. Often this coverage is mandated by leasing companies or banks. There are also ancillary medical, car rental and other coverages which vary by state. Utilizing high deductibles on the physical damage coverages can help reduce premiums. If you carry umbrella insurance, you must be sure that you carry the required amount of basic liability insurance to avoid a gap in coverage for a serious accident.

  Link: Auto Insurance

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  Boat & Marine Insurance

  Boat or Marine insurance is available for small boats, yachts, high performance powerboats, live-aboard houseboats, catamarans, or pontoons. Marine insurance will cover intended use including personal recreation, commercial, or charter vessels. Boat policies can cover damage to your boat, motor, trailer, and personal effects in the boat. Available coverage includes liability, medical payments, injury to a water skier and damage to the boat itself, sometimes called hull coverage. Availability varies by state and by insurance company. Even though boat insurance premiums are low, shopping your rate can sometimes save a substantial amount.

  Link: Boat & Marine Insurance

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  Collector Car Insurance

  You may have noticed there’s a big difference between collector car insurance policies and regular use policies, including cost. Classic car insurance or collector car insurance can save you a significant amount of money and increase your coverage because traditional auto insurance carriers are geared towards insuring a larger volume of vehicles. They simply don’t know how to treat your specialty or collector car. Classic cars are usually considered antique vehicles (15 – 20 years old or older). Collector cars can also include: Exotic autos new and old Muscle cars Sports cars of all ages Rare or desirable We understand what collector car owners want and need to protect their investment.

  Link: Collector Car Insurance

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  Condominium Insurance

  Condominium insurance provides coverage for your unit where your condominium association insurance stops. Your association typically insures the building and other common areas. You are responsible for the interior of your unit. Typically you need personal property and liability coverage in addition to coverage for your floors, walls, cabinets and fixtures that your association’s insurance probably will not cover. Every association’s insurance policy is different regarding what each unit owner is responsible for, so it is important to review your association policy and condominium by-laws carefully.

  Link: Condominium Insurance

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  Earthquake Insurance

  Most standard homeowners, mobilehome owners, condominium, and renters insurance policies do not cover earthquake damage. Similar to flood insurance, earthquake insurance usually must be purchased separately. Many people assume their residential insurance policy fully protects them, but if you look at a typical policy, you will see it does not cover earthquake loss. In addition, government disaster-relief programs are extremely limited—they are designed to help you get partly back on your feet, but not to replace your home and everything you lose. So if an earthquake strikes tomorrow, will you have the financial resources to pay for earthquake damage to your home and its contents?

  Link: Earthquake Insurance

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  Flood Insurance

  Did you know that your homeowners insurance does not cover flood damage? Insurance against flood must be obtained separately. A flood insurance policy also reimburses you for the work that you and other family members did to sandbag your homes, move furniture and remove debris. The Federal Emergency Management Agency’s (FEMA) maps are important when it comes to flood insurance because if they show that your home sits in a 100-year flood plain, you must buy federal flood insurance in order to get a mortgage. If you live outside a high-risk zone, or if you no longer have a mortgage, flood insurance is optional.

  Link: Flood Insurance

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  Homeowners Insurance

  If you have tangible assets, you need the protection of a homeowners insurance policy. These policies cover you in a home or an apartment, whether you are an owner or a renter. A well-written homeowners policy will pay to replace any of your personal property that is destroyed in a fire or other disaster. The policy will also be your first line of defense against a lawsuit from someone injured at your home. The cost of this coverage is determined by many rating factors. The quality of the coverage, however, is determined by the quality of the insurer and whether the policy is written on a named perils or all-risk basis. A named-perils policy covers only those losses specifically cited in the contract. The all-risk policy works the opposite way — unless a peril is specifically excluded, coverage is provided. The all-risk policy is broader and the burden of proof is on the carrier, not you, in the event of a loss.

  Link: Homeowners Insurance

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  Rental Property Insurance

  If you own a rental or investment property, you should make sure that you carry adequate rental property insurance coverage. Accidents may occur and ultimately cause damage to your investment property. If you do not have the necessary insurance, you will be responsible for the full financial cost. Owning an investment property brings with it a large degree of liability. In addition to the building itself, you may be responsible for injuries received by others while they are on your property. You could also be held responsible for damage to their belongings. Types of Properties Include: Commercial Property Vacant Property & Land Rental Home Commercial Investment Residential Investment

  Link: Rental Property Insurance

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  Mobile (Manufactured) Home Insurance

  Mobile home or manufactured home insurance not only covers your mobile home; it can also cover: Detached structures on your property, such as a carport or garage Your personal belongings Living expenses if your home is seriously damaged by a covered loss Injuries that might occur on your property (up to the limits you choose on your mobile home insurance policy). Mobile homes, manufactured homes, and modular homes are all eligible for coverage under a mobile home insurance policy.

  Link: Mobile (Manufactured) Home Insurance

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  Motor Home / RV Insurance

  As much as you expend efforts to purchase your dream motor home, it is important to select appropriate motor home insurance policy. Legally speaking, you are required to have a certain minimum amount of coverage when you have your motor home registered. However, there are many insurance policies to ensure that your motor home obtains maximum coverage and protection. It is important to choose a policy that incorporates the recreational value of your motor home and does not treat it as another automobile. Whether your Motor Home / RV Insurance needs are travel trailer, fifth wheel, camper, or Class A Motor Home Insurance, Curtis Miller Insurance Agency offers you a variety of motor home insurance coverages.

  Link: Motor Home / RV Insurance

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  Motorcycle Insurance

  Whether you’re an enthusiast or a first-timer, having fun, being responsible and being safe is what it’s all about. Being responsible includes finding the right insurance for your motorcycle. Motorcycle insurance is a way of sharing the risks of riding between you and your insurance company. The way it works is simple. You pay a set premium to an insurance company for coverage. In return, the company promises to pay for specific financial losses that might occur during the term of the policy. Most people rely on motorcycle insurance to protect themselves against loss in case of an accident. In many states, you must carry basic insurance to cover the cost of losses you cause to others in an accident. If the unexpected happens, insurance gives you peace of mind in knowing you are protected. At Curtis Miller Insurance Agency, we have a variety of motorcycle policy options to meet your needs.

  Link: Motorcycle Insurance

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  Personal Umbrella Insurance

  You don’t have to be a millionaire to be sued like one. Million-dollar judgments against individuals for negligence are still relatively rare. However, receiving a lawsuit with a million-dollar demand is more common. If you receive such a court summons and you have only $100,000 of coverage, you may lose a lot of sleep. Umbrella policies offer inexpensive “peace of mind” for most types of negligence claims. Automobile accidents are probably the most common source of serious claims. This policy supplements your basic automobile liability with extra million-dollar layers of protection. It also covers other types of catastrophic claims such as a neighbor’s child drowning in your pool or the delivery man being seriously injured by falling over your child’s toys.

  Link: Personal Umbrella Insurance

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  Personal Watercraft Insurance

  Personal watercraft, such as jet skis and wave runners, are often our customer’s first step into the boating world. Personal watercraft are extremely invigorating and fun for water lovers of all ages; however, they are not toys. If you have several personal watercraft, you may qualify for a multi-boat discount on your insurance. Additional coverage can also be purchased for trailers and other accessories. Whether you are a first time boater or experienced captain, it is important that you have proper coverage for these vessels. At Curtis Miller Insurance Agency, we have policies that are geared specifically for your personal watercraft.

  Link: Personal Watercraft Insurance

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  Renters Insurance

  If you live in a rented house or an apartment, renters insurance provides important coverage for both you and your possessions. In case your house or apartment is broken into, destroyed by a fire, or perhaps a friend gets injured at your home, renters insurance provides financial protection for you and your family. It pays for the repair and replacement of lost items as well as any liability issues you may be responsible for. A renters insurance policy from Curtis Miller Insurance Agency can provide you with coverage for your personal items and personal liability to protect you from the unexpected.

  Link: Renters Insurance

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  Snowmobile Insurance

  Because people use their snowmobiles in so many different ways, it can be very challenging to find good, low cost insurance. From a classic Ski-Doo to the latest Yamaha Apex model, from touring sleds to back country machines, every snowmobile and every rider has a different insurance need. At Curtis Miller Insurance Agency, we can insure your home and cars, and we take care of your snowmobiles, too. Affordable snowmobile insurance coverage that helps protect you, your passenger, and your snowmobile.

  Link: Snowmobile Insurance

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  Travel Insurance

  When you travel abroad, one of the most important financial considerations is how to protect you and your family’s health. Without proper coverage, an illness or injury abroad can turn into a financial disaster. Whether you are a corporate traveler, an international student studying abroad, a family on vacation or reunion, or an individual traveling abroad for work, pleasure, or education, don’t let your trip be ruined by an accident or unexpected medical emergency. Traditional sources of U.S. private health insurance will not meet your needs. Geographical exclusions and provider limitations common to these policies will restrict or even eliminate the coverage available to you while you are outside the U.S. At the same time, you may not be eligible for participation in the government-sponsored plans in the country where you reside.

  Link: Travel Insurance

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  Valuable Items Insurance

  Your possessions may be more valuable than you realize. Most homeowners policies offer limited coverage for personal articles such as jewelry, cameras, golf equipment, fine art and collectibles, and computer equipment. We can provide the additional protection you need with a comprehensive valuable items insurance policy. A variety of property may be covered by valuable items coverage. Artwork Baseball cards Books Coins Firearms Furs Jewelry Memorabilia Musical Instruments Oriental Rugs Silverware Stamps

  Link: Valuable Items Insurance

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  Builders’ Risk Insurance

  Builders Risk Insurance is a policy is designed to provide coverage for buildings while under construction. It covers the contractor’s interest in materials at the job site before they are installed, materials in transit intended for the job, and the value of the property being constructed until it is completed and accepted by the owner. The policy may be written to cover the whole structure for new construction or the cost of remodeling and renovation projects. It can also be used to cover specific projects, such as a new room addition, a deck, or a remodeled bathroom. Builders risk insurance usually is in the name of the contractor or the property developer; but it could also be in the name of the property owner if he is responsible for insuring it while the property is under construction. Both commercial and residential construction sites might be covered under a builders risk insurance policy. There are also additional built-in schemes for the specialized needs of a particular construction project, whether it’s commercial or residential. Often, insurance companies request a certain level of experience of the builder before they provide insurance coverage for their commercial sites. Usually, an experience level of 2-3 years in commercial construction is desired. An additional option that can be attached with builders risk insurance coverage is movement of earth. If the construction is extremely large, then the cost of moving earth from the digging site could amount to a great deal. A builders risk insurance policy is essential for people who have a financial interest in property construction, either commercial or residential. It doesn’t mean only new construction, but also any remodeling or renovation project. If any damage to construction material occurs in transit or during storage, then this cost could also be covered under a builders risk insurance policy.

  Link: Builders’ Risk Insurance

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  Business Owners Package Insurance

  Business Owners Package policy, commonly called a “BOP” contains many of the insurance coverages needed by most small businesses. While these policies are not standard, there is great variation from insurance company to insurance company; there are certain common elements. The basic BOP offers business property for both building and contents, and liability insurance protection for the operation of your business. This liability protection will generally include both the operation of your business, at its established location, and the liability from your products or completed operations. Some, but not all of the policies, will also offer business income and extra expense protection after an insured loss. BOP policies do not contain all of the coverages needed by a small business. Notably they do not cover any workers’ compensation, professional liability, or business vehicle coverage.

  Link: Business Owners Package Insurance

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  Business Interruption Insurance

  Business interruption insurance is critical if your business suffers a property loss that could cause the business to slow or close down while repairs are made. This may mean a complete or partial revenue loss depending on the time frame and the damage. From the time the loss occurs until your business is running again, insurance can replace your lost profits, and provide a source of money to pay your necessary continuing expenses, like rent, payroll, taxes, etc.

  Link: Business Interruption Insurance

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  Commercial Auto Insurance

  A commercial auto insurance policy is required under most circumstances when the vehicle is used for business purposes and meets certain other requirements. It is not just the registration that determines the requirement for a business automobile insurance policy. Other requirements are ownership by a corporation, use in hauling goods for hire and gross vehicle weight of the vehicle. Some small trucks can be owned and insured under a personal automobile insurance policy under specific circumstances. Commercial automobile insurance policies are not regulated in pricing, as are private passenger policies. There is price competition between insurance companies for good commercial automobile insurance.

  Link: Commercial Auto Insurance

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  Commercial Property Insurance

  Commercial property insurance is a special type of insurance that covers the company building as well as the contents owned by the company. “Property” can include a variety of types: lost income or business interruption, buildings, computers, money, and valuable papers. Under the liability policy coverage, the building should be protected from damaging events such as fire, burglary and vandalism. It may not be enough to cover just the building; the aftermath of such damage should be covered as well.

  Link: Commercial Property Insurance

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  Commercial Trucking Insurance

  As a private carrier, you are responsible for hauling goods in your own truck for your company or employer. Whether you’re working in construction, excavation, manufacturing, or any other private carrier capacity, we have truck insurance solutions for you. Primary Liability - Every trucker/trucking company who operates under their own authority is required to carry primary liability coverage on all owned units and either provide this insurance for their leased vehicles or insure that the leased operator carries it on their own. Generally, the motor carrier provides this coverage for the leased operators but there are rare instances when this is not the case. Cargo Insurance - Provides coverage for loss or damage to the property a truck is transporting (the load). Generally, though not always, provided by the motor carrier for leased operators. Physical Damage (Collision, Specified Perils) – Provides coverage for repair or replacement for damage resulting from a covered loss (collision, fire, theft, hail, windstorm, earthquake, flood, mischief, or vandalism) to owned vehicles. Occupational Accident – Product designed specifically for owner operators in the trucking industry. In most states, by being self-employed owner operators can opt out of state mandated workers compensation coverage. While not the same as workers compensation, occ/acc is similar in scope and intent. Most motor carriers require their leased operators to be covered either by workers compensation or occ/acc at the leased operators expense. For those who qualify, occ/acc is generally a lower cost alternative.

  Link: Commercial Trucking Insurance

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  Commercial Umbrella Insurance

  f you own a business, you probably own some form of general liability insurance to protect you in the event of a lawsuit due to negligence on your part. However, there may be situations where the limits of your general policy may not provide adequate protection. A commercial umbrella can provide you and your business with additional liability protection.

  Link: Commercial Umbrella Insurance

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  Contractor’s General Liability Insurance

  Contractor’s General Liability insurance is for residential and commercial builders, general contractors, construction managers, design and build firms, specialty contractors or subcontractors, owners or public and private construction projects. We offer contractor policies for every type of project: Property Builders risk insurance and course of construction Liability insurance General liability insurance Contractor insurance Commercial auto Umbrella Workers’ compensation Railroad protective Equipment insurance Contractor bond

  Link: Contractor’s General Liability Insurance

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  Directors and Officers Liability Insurance

  Directors and Officers Liability Insurance provides financial protection for the directors and officers of your company in the event they are sued in conjunction with the performance of their duties as they relate to the company. Think of Directors and Officers Insurance as a management Errors and Omissions policy. Directors and Officers Insurance is often confused with Errors & Omissions Liability. The two are not synonymous; Errors & Omissions is concerned with performance failures and negligence with respect to your products and services, not the performance and duties of management. Generally it is a good idea to carry both Directors and Officers Liability Insurance and Errors and Omissions Liability Insurance.

  Link: Directors and Officers Liability Insurance

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  Commercial Earthquake Insurance

  Commercial earthquake insurance can be very important in some parts of the United States, where earthquakes can cause severe damage. Most commercial property policies exclude coverage for earthquake damage (including earthquake sprinkler damage, etc.). If you own office, industrial or apartment property in an earthquake prone area of the country, consider purchasing commercial earthquake insurance coverage.

  Link: Commercial Earthquake Insurance

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  Employment Practices Liability Insurance (EPLI)

  Employment Practices Liability Insurance otherwise known as EPLI is insurance that helps protect you against claims from your employees that result from the general conduct of your business. Common examples of employee related claims include claims relating to: Discrimination Wrongful Discharge Sexual Harassment Hostile Working Environment Wrongful Termination Lack of Advancement

  Link: Employment Practices Liability Insurance (EPLI)

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  General Liability Insurance

  Normally, it is difficult for businesses or general contractors to work without general insurance. General liability insurance is intended to guard operators and owners of companies from claims that may come from a broad spectrum of sources. These exposures could be just about anything, including liability engendered by accidents from the operations of the insured party, contractual liability, products manufactured by the insured party, etc. The liability you select, whether it is one, two, or three million dollars, determines the cost of general liability insurance. Also factored into the rates are the kind of work undertaken, gross receipts and total payroll expenses. Similar to auto insurance, when it comes to general liability insurance, you will first have to make a down payment and then follow it up with installments. Before buying general liability insurance, it is best to compare the quotes available in the market. It is the business owner’s or general contractor’s job to make sure that the people working under him/her are covered by an insurance policy. If for example, a person who is not a part of the project gets injured, the injured person’s lawyer can target just about anyone involved in the project. The more individuals that are involved, the greater the chances of a successful lawsuit.

  Link: General Liability Insurance

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  Hotel & Motel Hospitality Insurance

  Running a hotel or motel in today’s competitive environment is a big challenge. Getting the proper hotel / motel insurance at a reasonable price can be frustrating and time consuming. Hotel insurance provides business protection coverage for owners and managers of hotels. Hotel insurance covers motels, resorts, spas, ranches and more. Learn more about the coverages included in the hotel and motel insurance policy. Hotel insurance includes a multitude of coverages specific to the needs of a hotel manager or owner.

  Link: Hotel & Motel Hospitality Insurance

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  Kidnap & Ransom Insurance

  As your company expands globally, so do your exposures. Companies with international operations and executives or staff who travel internationally may be targets for kidnappers and extortionists. While no one can predict where or when a kidnapper or extortionist might strike, there are steps that you can take to protect your executives and families and prepare for a possible threat. A Kidnap & Ransom insurance should be an integral part of your risk management program. The Kidnap & Ransom insurance will provide coverage for the following: Ransom and extortion payments as a result of a kidnapping or extortion threat. Loss of the ransom or extortion payment while being delivered. Expense coverage as a result of a ransom or extortion demand which includes fees and expenses of independent negotiators, and travel and accommodation expenses. Legal liability coverage protection in the event it is alleged the insured was negligent in a hostage retrieval. Political threat coverage for expenses when a person is wrongfully detained by anyone acting for a government or with the government’s approval.

  Link: Kidnap & Ransom Insurance

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  Liquor Liability Insurance

  Liquor Liability Insurance is designed to provide liability insurance protection for those businesses who manufacture, distribute, or sell liquor. You need liquor liability insurance if you sell liquor and your business is a: Bar Tavern Nightclub Fraternal Club Convenience Store Liquor Store Restaurant

  Link: Liquor Liability Insurance

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  Medical Malpractice Insurance

  In today’s challenging healthcare marketplace, medical malpractice insurance is a necessity. we can help guide you to better results and a higher set of expectations with our value added services. We understand your struggle to deliver quality health care and avoid medical malpractice claims. Working in partnership with your practice, we will address affordability issues regarding medical malpractice insurance, while improving safety and quality.

  Link: Medical Malpractice Insurance

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  Product Liability Insurance

  Product liability insurance protects you in case a product you produce or provide causes harm to a user or a user’s property. A “product” is anything that is tangibly used, touched, or consumed. This type of insurance is recommended for every business that manufactures a product, but is especially important for companies that produce food, clothing, toys or anything else that could conceivably cause harm to someone. Most business owners policies include limited product liability coverage. If, for some reason, you do not have this coverage through a business owner’s policy and your product runs the risk of inflicting harm on other people, you may need to buy product liability separately. Similarly, if your product presents a higher risk of injury (for example, it contains a hazardous material), you may need to purchase additional coverage.

  Link: Product Liability Insurance

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  Professional Liability (Errors & Omissions) Insurance

  Professional liability insurance, also sometimes referred to as Errors and Omissions insurance or E&O, protects businesses or individuals in the event that a customer holds your company or business owner responsible for a service that was provided, or failed to be provided, and did not have the expected or intended results. Professional liability insurance is separate from a General Liability (GL) insurance policy which would cover you mainly for bodily injury or property damage liability.

  Link: Professional Liability (Errors & Omissions) Insurance

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  Restaurant & Bar Insurance

  Today’s restaurant environment is more complex than ever and you want to know you’re covered for the unexpected occurrence with insurance specific to the unique needs of restaurants and bars. Whether you run a small cafe or a national chain, you could be held liable for anything from contaminated or spoiled food to spilled coffee. That’s why you deserve an insurance company with commercial restaurant insurance coverage specifically designed for the risks you face. Restaurant & Bar Insurance is needed for the following: Fine Dining Casual Dining Fast Food Ethnic Cuisine Delicatessen Coffee Shop Micro Brewery

  Link: Restaurant & Bar Insurance

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  Special Event Insurance

  Whether you are planning a corporate event, holding a large rock concert, or organizing a local flower festival, you will need special event insurance to ensure that you are covered for unexpected occurrences that may spoil the success you and your company may receive when the big day arrives. Sample List of Special Events: Corporate Events, Company Meetings, Auto Shows, Concerts, Sporting Events, Proms, Dances, Dog Shows, Parades, Ethnic Celebrations, and Horse Shows.

  Link: Special Event Insurance

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  Surety Bonds

  A Surety Bond is a three-party agreement whereby the surety guarantees to the obligee (the project owner) that the principal (the contractor) is capable of performing the contract in accordance with the contract documents. Performance of the contract, which is the subject of the bond, determines the rights and obligations of the surety and the obligee. Here are the eight different families of surety bonds: Fidelity Bonds Public Official Bonds Judicial Bonds Fiduciary Bonds License and Permit Bonds Contract Bonds (Bid and Performance Bonds) Miscellaneous and Federal Bonds Notary Bonds

  Link: Surety Bonds

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  Technology Insurance

  Many companies are unaware that their current business and insurance policies most likely do not cover them for all of their technology-related risks. Our technology insurance protection offers coverage options tailored to fit your company’s unique needs. In today’s technology-driven world, companies face a number of dynamic exposures. Whether it is faulty software, inappropriate advice, misconfigured firewalls or inadequate anti-virus software, hardware failure – companies are increasingly at risk. Claims are growing rapidly, leaving companies liable for expensive lawsuits.

  Link: Technology Insurance

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  Wholesalers & Distributors Insurance

  We offer a broad range of coverages that are cost-effective and perfectly tailored for your business requirements if wholesaling or distributing. Get coverage specifically designed for today’s wholesalers and distributors. Our wholesalers and distributors insurance programs include detailed risk assessment and loss control expertise that can help reduce insurance costs for everyone from the small supplier to the large distributor.

  Link: Wholesalers & Distributors Insurance

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  Workers’ Compensation Insurance

  Workers’ compensation insurance protects employers from claims resulting from injuries to employees. It protects your business from lawsuits and provides employees with compensation for on-the-job injuries. By law, most employers are required to provide coverage for lost wages and medical bills incurred as a result of on-the-job accidents or illnesses. For many businesses, workers comp coverage is the largest part of its insurance expense.

  Link: Workers’ Compensation Insurance

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  Individual Life Insurance

  ife insurance from Curtis Miller Insurance Agency can help you secure your family’s financial future by providing the funds they need to: cover burial expenses, uninsured medical bills, pay off your mortgage and other outstanding debts, and maintain a comfortable standard of living. There are a variety of life insurance policies that we can provide. The kind of policy you choose depends on your needs:

  Link: Individual Life Insurance

• Term Life Insurance

  Term Life Insurance is a low-cost way of providing maximum coverage for your family. Protection is provided for a limited number of years. The insurance expires without value if the insured lives beyond the policy period, usually 5 to 20 years. Other policy life periods are available, including 1 year annual renewable term. Term insurance premiums will not increase during the guaranteed policy time period (term) you select. Term Life Insurance pays a death benefit only if you die during that term. Term insurance generally provides the largest insurance protection for your premium dollar. Term Life Insurance remains in force for as long as premiums are current, provided there are no misrepresentations on the application. The insurance coverage terminates if you discontinue your premium payments.

  Link: Term Life Insurance

• Universal Life Insurance

  Universal Life is characterized by great flexibility. Policyholders can determine the amount and frequency of premium payments – i.e., the more you pay, the less time you will need to pay. Your premiums cover the insurance part also the savings or investment element and the expense part. The stated interest on the investment portion changes along with movement in interest rates; moves in 1/4 % interest steps are typical as banks and other financial institutions make similar moves.

  Link: Universal Life Insurance

• Whole Life Insurance

  Whole Life Insurance provides permanent protection for the whole of life – from the date of policy issue to the date of the insured’s death, provided that premiums are paid. Premiums are set at the time of policy issue and remain level for the policy’s life. Unlike term insurance, whole life combines insurance protection and savings or cash value which builds over time. Cash value build-up may provide a source for living benefits, for example, helping pay off a mortgage, or a child’s education, or cash surrender value if the policy is ever cancelled. These products are continually changing and we can provide you with the latest information and policies available!

  Link: Whole Life Insurance

• Online Claims Filing

  If you have a claim to report, you can take advantage of the insurance carriers’ 24/7 Claim Support Service to report a claim directly to the insurance company claim department or you may contact Curtis Miller Insurance Agency. Report a Claim

  Link: Online Claims Filing

• Online Billing & Payments

  Most of our insurance companies have the option for you to pay your premiums by EFT (Electronic Funds Transfer), e-check or by credit card. Fast online payments can prevent lapses in coverage and save you time. Online Billing & Payments

  Link: Online Billing & Payments

• Certificate of Insurance

  You may use the form below to submit a request for a Certificate of Insurance directly to one of our qualified agents. An agent from our office will contact you shortly after receiving the request. This feature is only for existing clients who are commercial policyholders. Certificate of Insurance Request

  Link: Certificate of Insurance

• Policy Change Request Form

  Use this form to request a change to your current insurance policy. By submitting this form you understand that no coverage or premium adjustment of any kind is bound until you receive written notice. Policy Change Request Form

  Link: Policy Change Request Form

• Auto Policy ID Card Request Form

  Use this form to request a replacement auto policy ID card for your current insurance policy. The Auto ID Card provides proof of coverage and also provides the insured with information on what to do in case of an accident. Certain states require an Auto ID Card be carried in the vehicle at all times. Auto Policy ID Card Request

  Link: Auto Policy ID Card Request Form