Ficke & Associates - Insurance Policies

Insurance Policies

Insurance For Your Home,
Business, and Healthcare Needs

We at Ficke & Associates Inc strive to continuously improve how insurance advisory services are provided, and we look forward to walking beyond the horizon hand in hand with you, our customers.

Life insurance is a contract between an individual, known as the policyholder, and an insurance company. It is designed to provide financial protection and support...

Health Insurance

Both group health insurance and individual health insurance provide coverage for medical expenses, but the key difference lies in the way they are obtained and the flexibility...

Medicare Insurance

Medicare Advantage (Part C) plans and Medicare Supplement (Medigap) plans are offered by private insurance companies approved by Medicare...

General Liability Insurance

Learn about the benefits of general liability coverage and view other key areas of information regarding commercial general liability insurance.

Commercial Property

Commercial property insurance is, simply put, insurance against disasters that cause damage to your business property. These disasters and incidents...

Workers' Compensation

Workers' compensation insurance is bought to cover damages to life, health or well-being of one or more employees due to situations...

Business Owners

Business owners policy is, in the simplest of terms, a packaged insurance policy that combines two key areas of insurance coverage that small businesses always...

Professional Liability

Professional liability insurance is a specific type of insurance that professionals and organizations purchase to get coverage for claims your customers...

Commercial Automobile

Commercial automobile insurance is purchased to cover claims of injury and damage that your business vehicles cause in an accident.

Umbrella Liability

Umbrella liability insurance - often called excess insurance - is supplementary insurance coverage that you can get for your business if you expect...

Cyber Liability

As a business owner you are probably already covered for property damages and general liability. However, these policies do not provide cover for more specialized...

Inland Marine Insurance

Inland marine insurance is the type of insurance coverage you get to protect your business against goods related losses incurred during transit.

Product Liability Insurance

Creating new products and bringing ideas to life lead to economic growth and competition in the market. However, this core aspect of the industry...

Employment Practices Liability

Employment practices liability insurance is the type of insurance you get to cover claims about your so-labeled wrongful employment practices. A disgruntled...

Directors & Officers Insurance

Directors and officers insurance is how business organizations demonstrate to their executives that they will not have to personally contribute to any losses...

Special Event Insurance

Special events are part of any business that celebrates its accomplishments and its employees. Annual award ceremonies, anniversary parties, fundraisers...

Builders Risk Insurance

Builder's risk insurance tends to a critical need of every small and large construction company. When working on a site, contractors - and sub-contractors...

Liquor Liability Insurance

Liquor liability insurance provides your business cover from any damages caused by a customer after using alcoholic products you manufactured or sold.

Fidelity bonds are a special type of insurance that provides your business cover for employee theft, which is why a lot of people refer to the insurance these...

Strictly speaking, surety bonds are not insurance policies, although they are often offered by insurance carriers. These are trilateral agreements, meaning they are signed...

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