Larry Helms & Associates

Homeowners insurance provides financial protection against disasters. A standard policy insures the home itself and the things you keep in it. Homeowners insurance is a package policy. This means that it covers both damage to your property and your liability or legal responsibility for any injuries and property damage you or members of your family cause to other people.

Businesses also need insurance: general liability, fleet vehicles, workers compensation, etc. Whatever your business needs, we will find a solution for you. Bodily Injury, including the cost of care, the loss of services, and the restitution for any death that results from injury. Property Damage coverage for the physical damage to property of others or the loss of use of that property.

Whatever your insurance need; umbrella, personal finance, group health, truck drivers, even equestrian, we'll find the solution for you. We can find policies for almost anything you need insurance for.

Some examples usually not thought of: Umbrella, Personal Finance Options, Trucks/Truckers, Equipment Floater, Builder's Risk, Bonds, Directors & Officers Liability, Group Health, Employee Practices, Errors/Omissions, Commercial Real Estate, Jewelry & Fine Arts, and even Equestrian.