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Modern Era Insurance Solutions

Protection, risk transfer, and financial security for individuals, businesses & organizations — one agency partner, eight integrated coverage & advisory areas.

Modern Era Insurance Solutions

8 coverage areas · 144 services

Protection, risk transfer, and financial security for individuals, businesses & organizations — one agency partner, eight integrated coverage & advisory areas.

Personal Lines — Property & Casualty

24 services
  • Homeowners
  • Condominium (HO-6)
  • Renters
  • Dwelling Fire/Landlord
  • Personal Auto
  • Motorcycle
  • RV / Motorhome
  • Travel Trailer
  • Boat & Yacht
  • Personal Watercraft
  • Collector & Classic Vehicles
  • ATV/UTV
  • Golf Cart
  • Flood (NFIP & Private)
  • Earthquake
  • Umbrella Liability
  • Personal Cyber
  • Identity Theft
  • Valuable Articles
  • Jewelry
  • Fine Art
  • Musical Instruments

Commercial Lines — Property & Casualty

26 services
  • Business Owners Policy (BOP)
  • Commercial Package Policy
  • General Liability
  • Commercial Property
  • Commercial Auto
  • Workers' Compensation
  • Umbrella/Excess Liability
  • Professional Liability (E&O)
  • Directors & Officers (D&O)
  • Employment Practices Liability
  • Cyber Liability
  • Crime & Fidelity Bonds
  • Surety Bonds
  • Commercial Inland Marine
  • Builders Risk
  • Installation Floater
  • Equipment Breakdown
  • Business Interruption
  • Cargo / Ocean Marine
  • Pollution Liability
  • Liquor Liability
  • Garage Liability
  • Commercial Flood
  • Commercial Earthquake

Industry-Specific Programs

18 programs
  • Construction
  • Real Estate
  • Manufacturing
  • Distribution
  • Retail
  • Restaurants
  • Hospitality
  • Healthcare
  • Professional Services
  • Law Firms
  • CPA Firms
  • Nonprofits
  • Technology
  • Cannabis
  • Transportation
  • Agriculture
  • Schools
  • Religious Organizations

Employee Benefits

19 services
  • Group Medical / Dental / Vision
  • Life / AD&D
  • Short & Long-Term Disability
  • Hospital Indemnity
  • Critical Illness
  • Accident & Cancer Plans
  • Health Savings Accounts (HSA)
  • Flexible Spending Accounts (FSA)
  • Health Reimbursement Arrangements
  • COBRA Administration
  • Section 125 Cafeteria Plans
  • Wellness Programs
  • Executive Benefits
  • Voluntary Benefits

Retirement Services

17 services
  • 401(k) / Safe Harbor / Solo 401(k)
  • 403(b) / 457(b)
  • SEP IRA / SIMPLE IRA
  • Defined Benefit Plans
  • Cash Balance Plans
  • Profit Sharing Plans
  • Executive Deferred Compensation
  • Nonqualified Plans
  • IRA Rollovers
  • Retirement Education
  • Investment Policy Support
  • Fiduciary Consulting
  • Plan Administration Coordination

Life Insurance

16 services
  • Term / Whole / Universal Life
  • Indexed & Variable Universal Life
  • Final Expense
  • Guaranteed Issue
  • Survivorship Life
  • Key Person Insurance
  • Buy-Sell Funding
  • Business Continuation
  • Executive Bonus Plans
  • Split-Dollar
  • Juvenile Life
  • Mortgage Protection
  • Premium Financing

Additional Financial Protection

8 services
  • Long-Term Care
  • Hybrid LTC/Life
  • Disability Income
  • Business Overhead Expense
  • Buy-Out Disability
  • Annuities (Fixed, Indexed, Variable)
  • College Funding
  • Estate Liquidity Planning

Value-Added Agency Services

16 services
  • Risk Assessments
  • Coverage Reviews
  • Policy Audits
  • Claims Advocacy
  • Certificate of Insurance Management
  • Loss Control & Safety Programs
  • Carrier Marketing
  • Renewal Management
  • Multi-policy Packaging
  • Business Continuity Reviews
  • Benefits Enrollment Support
  • Retirement Education
  • Estate Planning Coordination
  • Annual Insurance Reviews
  • Cross-selling & Account Rounding
DivisionCore Services
Personal InsuranceHome, Auto, Umbrella, Flood, High-Net-Worth
Commercial InsuranceCommercial P&C, Workers' Compensation, Bonds, Cyber
Employee BenefitsMedical, Dental, Vision, Disability, Voluntary Benefits
Retirement Services401(k), Pension, Fiduciary Consulting
Life & FinancialLife, Disability, LTC, Annuities
Risk ManagementClaims, Loss Control, Safety, Consulting
Not Sure Where to Start

Talk to an advisor about your specific mix.

Most clients start with one or two practice areas and add the rest as the business grows.

Schedule a Consultation