Personal Insurance

Personal Insurance

The business relationships we have with over 300 insurance providers provides us an edge in identifying the insurance provider that offers our clients the best value.

Our agents are able to provide in-depth explanations of each and every aspect of a policy. This helps each client to make informed decisions on how to best protect their financial future.

AmeriTrust Insurance understands that is no such thing as “one size fits all”, so we analyze the needs of each client and perform periodic coverage reviews. This helps ensure that we offer the insurance services that meet the unique needs of you and your family. While we cannot control all of life’s mishaps, we can help you become better prepared for them by offering a comprehensive personal insurance portfolio. By representing a wide array of national, regional, and specialty insurance providers we are able to customize insurance programs based upon each individual’s personal needs and risk exposures.

Our team of experienced professionals are eager to help you navigate through various coverage options, limitations and exclusions, so that an informed decision can be made on how to best protect your personal assets and liabilities. Listed below are some of the many coverage’s that we can help you with:

Vehicle Insurance

AmeriTrust Insurance provides the following coverage’s: Bodily Injury Liability, Medical/Personal Injury Protection, Property Damage Liability, Collision, Comprehensive, Road Service, Rental Reimbursement, and Uninsured Motorist Coverage. AmeriTrust specializes in covering the following vehicles:

  • Luxury Automobiles

  • Performance Cars

  • Classic Cars

  • Motorcycles & ATVs

  • Yachts & Power Boats

  • Luxury Motorhomes / Recreational Vehicles

Homeowners Insurance

For a great many people, their house is their most valuable asset. TWFG Andrews Insurance takes pride in providing a broad spectrum of insurance offerings for our clients to choose from. Some of the more specialized insurance services we offer cover the special needs of clients who own:

  • High Value Homes

  • Luxury Condos and Townhomes

  • Historic Homes

  • Rental & Vacation Homes

  • High Value Jewelry, Art, & Collections

Employment Practices Liability Insurance for Domestic Staff

We live in a highly litigious society. Employment Practices Liability Insurance is designed to protect individual employers against allegations of sexual harassment, wrongful termination and discrimination made by nannies, housekeepers, gardeners, personal assistants and other domestic help.

Workers’ Compensation for Domestic Staff

This is a form of insurance providing wage replacement and medical benefits to employees injured in the course of employment. Part-time employees (less than 20 hours per week) is may be automatically included in some homeowners’ insurance policies. Coverage for full-time residential employees are not covered. The premium is typically determined based upon the number of residential employees on staff. This may include domestic help, cooks, drivers, gardeners, nannies, personal assistants, etc…

Excess Directors & Officers Liability Protection for Volunteers on Non-Profit Boards

Serving on the Board of a not-for-profit organization can be a fulfilling way to give back to their community, for many Americans. While commendable, volunteering to participate on one of these Boards can create a personal liability issue, since many non-profit organizations don’t always carry enough Directors & Officers liability coverage.

Identity Theft

This insurance provides reimbursement to victims for the cost of restoring their identity and repairing credit. Identity Theft insurance often provides reimbursement for expenses such as phone bills, lost wages, notary and certified mailing costs and sometimes attorney fees with the prior consent of the insurer. This coverage can be added to your homeowner’s insurance policy or purchased as a stand-alone policy.

Excess Liability / Umbrella Insurance

We live in a highly litigious and volatile time where personal liability issues are ever present. These days, lawsuits can be common and judgments substantial. The greater your assets, the more vulnerable you are. Personal Excess Liability insurance is designed to provide you with additional liability coverage. The liability protection included within your homeowner and automobile policies is considered primary insurance; it responds first when a claim is filed.  Excess Liability insurance comes into play after amounts paid out by the primary coverage limits are exceeded.

Special Event Coverage

If you are having a public event whether a wedding and reception or a festival you need the protection of Special Event Insurance. Event Liability Insurance is designed to protect the policyholder against lawsuits, claims made related to bodily injury of others, and property damage to the rented premise.

Pet Insurance

Your pet is part of the family, so the decision to take care of them is a easy. That’s why we offer a pet health insurance program that delivers custom coverage options at an affordable price.