Welcome to Cole Mauch Insurance

Auto insurance provides financial protection against losses related to your vehicle. It typically covers damages from accidents, theft, and natural disasters, as well as liability for injuries or damages you may cause to others while driving. Policies can include various levels of coverage, such as liability, collision, comprehensive, and uninsured/underinsured motorist protection. Auto insurance is essential for safeguarding both your finances and legal obligations, ensuring you’re protected on the road.

Home insurance provides financial protection for your home and personal belongings against unexpected events like fire, theft, or natural disasters. It typically covers the structure of your home, personal property, liability for accidents, and additional living expenses if your home becomes uninhabitable. Customizable options allow you to tailor coverage to your specific needs, ensuring peace of mind for homeowners.

Farm and Ranch insurance provides comprehensive coverage tailored to the unique needs of agricultural operations. It protects your home, barns, equipment, livestock, and crops from risks such as natural disasters, theft, and liability claims. This type of insurance combines elements of both personal and commercial policies, ensuring that both your residence and farming business are safeguarded. Whether you run a small hobby farm or a large commercial operation, Farm and Ranch insurance offers peace of mind and financial protection.

Umbrella insurance provides an extra layer of liability protection beyond the limits of your standard insurance policies, such as auto or home insurance. It covers additional expenses like legal fees, damages, or settlements if you’re held responsible for an incident that exceeds your existing policy limits. This type of insurance is particularly valuable in protecting your assets and financial future against major claims or lawsuits. It can also provide coverage for certain situations that may not be covered by your primary insurance policies.

Workers Compensation insurance is a type of coverage that provides financial protection to businesses and employees in the event of work-related injuries or illnesses. It helps cover medical expenses, lost wages, and rehabilitation costs for employees who are injured on the job, while also protecting employers from potential lawsuits. This insurance is essential for maintaining a safe and secure work environment, ensuring that both parties are financially protected in case of accidents or injuries occurring in the workplace.

Flood insurance is a specialized policy designed to cover damage to your property caused by flooding, which is not typically included in standard homeowners’ insurance. It protects against financial loss due to rising water levels from storms, heavy rain, or other natural events. Coverage usually includes damage to the structure of your home, electrical and plumbing systems, and sometimes personal belongings. Flood insurance is particularly important for those living in flood-prone areas, providing peace of mind and financial protection in the event of a disaster.

ATV insurance provides coverage for all-terrain vehicles (ATVs) against various risks and damages. It typically includes liability coverage for injuries or property damage caused to others, collision coverage for damage to the ATV itself, and comprehensive coverage for non-collision-related damages such as theft, fire, or vandalism. Additionally, it can offer coverage for medical expenses if the rider is injured and roadside assistance for unexpected breakdowns. This insurance helps protect both the rider and the vehicle, ensuring peace of mind while enjoying off-road adventures.

RV insurance provides coverage for recreational vehicles, including motorhomes, travel trailers, and fifth wheels. It typically includes protection for damages to the RV itself, liability for injuries or property damage caused by the RV, and coverage for personal belongings inside the RV. Policies may also offer roadside assistance, emergency expense coverage, and protection against theft or vandalism. The specifics can vary based on the policy and insurer.

Errors and Omissions (E&O) insurance, also known as professional liability insurance, protects businesses and professionals against claims of negligence, mistakes, or failures in the services they provide. It covers legal fees, settlements, and damages if a client alleges that the service provider’s error or omission caused them financial harm. This insurance is essential for professionals like consultants, lawyers, and accountants, as it helps safeguard against the financial risks associated with professional advice or services.