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Home
Insurance

  •  The structure of your home

  •  Replacement costs

  •  Personal possessions (up to a set limit)

  • Living expenses in case of a disaster

  • Liability

 

Homeowner’s coverage doesn’t have to be difficult to understand. A basic

Tomorrow Homeowners Insurance Policy will cover the following:

You can also add supplemental policies such as:

  •  Valuable Articles/Floater policies

         (i.e. Jewelry Insurance)

  •  Flood policies

  •  Umbrella policies (additional liability)

INSURANCE

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HOURS & LOCATION
Location

13905 Kinsman Rd. Cleveland,

Ohio 44120

​

Tel: 216-830-2222

Hours

Monday - Friday 

9:00 am to 5:00 pm

 

Saturday Closed

  • ​Homeowners programs are solutions for a landlord vacant, vacations rentals, seasonal and primary homes.

  • We offer renters insurance for tenants of site-build homes condominiums or apartments  and condominiums insurance for owner-occupied, landlord and vacant condos.

  •  Our broad underwriting accepts a wide range of customers, from customers or homes that may not qualify with other carries all the way up to standard and preferred 

HM INSURANCE

  • Classic Car Insurance – Your classic car is an icon. Insure it well.

  • RV and Mobile Home Insurance – Home insurance for your home-on-the-road.

  • Boat and Watercraft Insurance – Insurance coverage for the captain of the ship.

  • Auto Insurance – Get the right insurance coverage for your car, truck, van or

        other vehicles.

  • Motorcycle Insurance – Ride safe and insure your motorcycle.

  • ATV and Motorsport Insurance – Insurance policies that cover all your toys.

 

The insurance protection you need when you’re on the move:

Car
Insurance
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car
life
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Life
Insurance

Life insurance is a crucial step in planning for your future and the future of your loved ones.

  • If you think your age or health makes it difficult to qualify for standard life insurance life rate, we may still be able to help you take care of final expenses and help provide for your family's future. 

  • No one knows when we or a loved one will die, but we can take steps now to help ensure that funeral cost and other final expenses will be covered when the times come  

  • Life Term Insurance provides life insurance protection for a specified period of time. Term life is sometimes convertible to permanent coverage, providing you with flexibility as your needs change.

  • Whole Life Insurance is a form of permanent life insurance that remains in force for your entire lifetime, provided premiums are paid as specified in the policy.

  • Universal Life Insurance is a form of permanent life insurance characterized by its flexible premiums, face amounts and unbundled pricing structure. The savings element, premiums and death benefit can be reviewed and altered as a policyholder’s circumstances change.

SR-22 Bonds
sr 22

An SR-22 is a document, on file with your state, proving you have car insurance that meets the minimum coverages required by law:

  • Financial Responsibility Bond

  • Similar to automobile insurance

  • Minimum state required bodily injury and property damage liability coverage

  • No one else who operates your vehicle is covered by your FR bond.

  • Does not pay for injuries to you

  • Does not cover damages to your vehicle

  • SR22 documentation

  •  SR22 electronically filed with the BMV

  • You can provide the document to the BMV in person for faster implementation

Surety Bonds

In simplest terms, a surety bond is a three-party guarantee. What exactly is being guaranteed will vary by bond type. Some bonds guarantee compliance with a government license, whereas others can guarantee performance of a construction contract

  • Probate Bonds (Estate) ensures the wishes of a deceased person are carried out ethically and honestly.              Guardianship Bonds is required of those who oversee another person's assets. This could be because of a disability or death.

  • Errors and Omissions is a type of professional liability insurancethat protects companies, their workers, and other professionals against claims of inadequate work or negligent actions

  • Janitorial Bonds that protects your clients from theft of your employees.

  • Employee Dishonesty bonds protects the insured company from a loss caused by the dishonesty or fraudulent acts of its covered employees.

  • Contractor license bonds are required by most states to guarantee that a contractor will operate their business in accordance with the rules pertaining to their specific license. The bond also protects the public from fraudulent practice

Surety Bnds
business insurance
Business Owners Policy 

Design to cover both the business property and liability on single, conivent policy. 

Coverage & limits

  • Limits up to $1 million per occurrence / $2 million general aggregate

  • Building and/or Business Personal Property coverage included

  • Personal and Advertising injury coverage included 

  • Cyber Liability

  • Products/Completed operations aggregate limit up to $1million

Preferred Risk

  • Contractors

  • Beautician/Nail services

  • Landscaping and Lawn Care

  • Restaurants and Mobile Food Services

  • Retail Stores 

  • Office/Service

We are please to offer general liability for small & mid-size business in a wide range of classes

General Liability
Coverage & limits

  • Limits up to $2 million per occurrence / $4 million general aggregate

  • Employee Benefits Liability

  • Cyber Liability 

  • Liquor Liability: Limits up to $1 million (prior coverage required)

  • Wavier of Subrogation

Preferred Classes

  • Contractors

  • Beautician/Nail services

  • Landscaping and Lawn Care

  • Restaurants and Mobile Food Services

  • Retail Stores 

  • Office/Service

Workers Compensation 

Protect your business and your employees with our workers compensation coverage

Eligible Business Classes

There are more than 650 eligible classes of business. The classes listed below typically do not require prior workers​

  • Contractors

  • Beautician/Nail services

  • Landscaping and Lawn Care

  • Restaurants and Mobile Food Services

  • Retail Stores 

  • Office/Service

  • Auto Sales 

  • Beautician/Nail services

  • Landscaping and Lawn Care

  • Convenience Stores 

  • Social Clubs

  • Gyms

  • Doctors

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