Services we offer
Individuals and families face unique challenges in balancing coverage and risk for their homes, cars, boats, fine art, jewelry and other collectibles. The unexpected can occur at any moment, derailing your plans and adding additional pressures.
Our approach to personal risk management begins with a review to identify, evaluate and determine the best method to protect your most prized possessions. We pay particular attention to those physical and liability risks which can destroy your personal financial well being. We work with you to place the best program to maximize your protection and minimize the threats to your personal wealth and security. During this process, we are constantly aware of the overall cost of personal planning and protections. We work together, with you, the client, to protect your financial goals and dreams
Our commitment doesn’t stop there. As a family’s dreams, wants and needs change and grow with life’s events, we continue to offer protection for new assets or acquisitions and constantly review and update your insurance program.
Property and Casualty Insurance is the cornerstone of any good risk management program. Risks to property, both physical and intellectual, as well as exposure to liability lawsuits, can adversely impact your company’s financial stability and opportunities for growth. No matter what the industry, our team has the insight, expertise and business experience to secure a comprehensive insurance portfolio to help protect against loss.
We understand that no two organizations are the same. In developing a customized risk management strategy, Gloron Agency will gain an in depth understanding of your company’s operation, facilities, and financial objectives. This one on one, step-by-step approach enables us (along with our client) to craft customized insurance solutions for each corporate client. We represent many carriers so that we are not obligated to place coverages that are not custom fit for the needs and wants of each organization.
Allow Gloron Agency to be part of your strategy to ensure your risk management program keeps pace with your business
|Business Owners Policy||Commercial Automobile||Commercial General Liability||Commercial Package|
|Crime||Cyber Liability||Directors and Officers Liability||Employment Practice Liability|
|Marine: Inland||Marine: Ocean||Professional Liability||Property|
|Umbrella Liability||Workers Compensation|
Soaring health care costs are straining the finances of most businesses. Yet a comprehensive benefit plan is essential to maintaining a competitive edge to attract, retain and motivate employees needed to manage and grow a business.
For many employers, both large and small, the balancing act of delivering a comprehensive employee benefits program, cost effectively has become increasingly difficult. Gloron Agency will work with you so as to explore coverage and premium options that work for the employer as well as the employees.
Managing employee benefits has become so very complex with the ever-increasing number of benefit designs and reduction of carrier optoins. Regardless of your industry, location or size, we develop customized solutions to meet the unique needs of your organization. Our team of employee benefit specialists will assist you in the design, implementation, administration and communication of your entire employee benefit plan – whether your objective is to design new program or re-tool those currently in place.
Planning for your future… and beyond
Life Insurance, Estate planning and Wealth Preservation is the process of systematically preparing for the disposition of your assets. While minimizing estate tax is a primary goal, how you want your assets to be owned, managed and preserved during your lifetime – and how you want them disposed upon your death – are crucial matters that require experienced, thoughtful and creative consideration.
Our team of experts provides a comprehensive strategy to meet your financial goals by:
Helping you plan for your disability and direct the distribution of your property
Ensuring that your plan minimizes taxes, professional fees and court costs
And, most importantly, we help you to create a plan that allows you to maintain control of your assets as long as you wish.
Innovative, Cost Effective Solutions
Gloron Agency has been assisting clients in the estate planning and life insurance planning process for nearly 90 years. Experience and creativity – and our client’s trust – have positioned our firm on the leading edge of the personal wealth protection field.
We work with your other advisors, or can make recommendations from our well-established network of professionals. Our approach will include discussions involving:
- Life Insurance
- Disability Income Protection
- Disability Buyout Protection
- Overhead Disability Protection
- Living & Irrevocable Trusts
- Executors, Trustees & Guardians
- Charitable Giving Programs
- Children’s Trusts
- Health Care Documents