Home Insurance

Your home is where you hang your hat, where your family sleeps and where you keep your valuables and meaningful belongings. When it comes to protecting your investments, there are few things more important than insuring your home.

Coverages:

  • Coverage A: Dwelling

          The insured location listed on the declarations page

           Deductibles:

           - Clause 1: Wind/Hail

           - Clause 2: Tropical Cyclone

           - Clause 3: All Other Perils

  • Coverage B: Separate Structures

          Any structure on the insured property not used for business (Ex. Fence, Garage, Shed, etc.)

          Replacement Cost (RC)- The cost to replace an item with a current comparable item

          Actual Cash Value (ACV)- Only pays what the item, after depreciation from use, is worth

  • Coverage C: Personal Property
  • Coverage D: Loss of Use
  • Coverage E: Liability

           - Bodily Injury
           - Property Damage

  • Coverage F: Medical Payments to Others

          Covers reasonable medical expenses of:

          - Persons on an insured's property with permission

          - Injury caused by the activities of an insured

          - Injury caused by an insured's animal or creature

Contact an Agent to get more information on additional Extensions or Discounts  


Auto Insurance


To ensure everyone on the road is covered in case of an accident, most states require drivers to carry a minimum amount of liability insurance or establish financial responsibility in some other way.

What our Liability covers:

  • Bodily Injury (BI)
  • Property Damage (PD)
  • State Minimum is 30/60/25 (BI per person/BI per accident/PD)

However, we do have other coverages such as

  • UM= Uninsured Motorist
  • UIM= Underinsured Motorist
  • UMPD= Uninsured Motorist Property Damage (Ex. Hit and Run)

Other than collision (COMP) covers:

  • Vandalism/Theft
  • Falling objects (ex. A tree)
  • Fire
  • Flood
  • Hit an animal

Our collision coverage, covers your vehicle anytime you hit something.

We also have Rental coverage along with Towing and Labor.

Please contact an agent to receive more information on any additional coverages that we offer.

Our Services

Bison Insurance and
Financial Services, Inc.

Renters Insurance


Even if you do not own a home, you probably own a great deal more than you think. Consider all of your furniture, electronics, clothing, appliances and jewelry, as well as any art, books or musical instruments you own.

Beyond your personal property, what if you are found liable for injuries sustained by visitors' in your home as a result of negligence?

Renters insurance covers your personal property and even covers you from liability claims while you are renting. And if your rental home ever needs serious repairs, and you are unable to live there, it also covers the reasonable and necessary increase in living expenses (housing, food, etc.) you may incur.

Life Insurance

We offer a variety of coverage options and products, you can find the right coverage for your family and needs.

Understand the difference between Term and Permanent coverage.

  • See which Term coverage options there are, for the greatest amount of coverage at the lowest initial cost.
  • See which types of Whole life insurance options there are, for permanent coverage and cash value benefits.
  • See which types of Universal life insurance options there are, to meet your current and future financial needs.


Business Insurance

While your day-to-day operations are complex, understanding Business Insurance does not have to be. There are coverage options available to protect just about every aspect of your business from employee injury to natural disasters. Some insurance companies are required by law and others by business associates, such as lenders and landlords. Obtaining the right type and amount of insurance for your business will help you avoid gaps in your coverage where you need it most.

Minimum coverage options:

  • Property Insurance can fund repairs or replacements for damaged physical assets when disasters like vandalism, fire, windstorms or hail strike.
  • Liability Insurance can protect against financial losses resulting from claims of injury or property damage caused by you or your employees and your products.
  • Workers' Compensation Insurance can satisfy your employees' medical needs in the event of an accident or disease to help make a quick return to work, while removing lawsuit potential by current or former employees.
  • Business Auto Insurance can get you on the road again quickly after an accident and ensure your business is protected against losses from injuries to other drivers, passengers and pedestrians for which you and your employees are liable.
  • Business Crime Insurance can protect against fraud, theft, forgery or robbery.
  • Cyber Liability insurance coverage can help provide you with legal and forensic assistance, as well as free data security risk management services for your customers.