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...ed Hotel Insurance, Professional Liability Insurance, Workers Compensation Pro...

...all have in common; Professional Liability. You are their agent, so it is your...

AP Advantage provides retail agents and brokers the benefits of specialty experience combined with exceptional customer service, on a national basis. We pride ourselves on having the experience, market resources, resourcefulness and attention to detail to satisfy our customer's needs. We recognize you have many market access choices. Think of us as the wholesale agency on your team for your small and mid-size business. We can handle everything from main-street accounts to complex and hard-to-place risks.

Specializing in small to mid-size risks, from traditional to hard to place, our Property and Casualty division can help you. Over the years we have developed the expertise to solve your client’s property risk challenges and have the niche to meet their needs. Your client has specific needs when it comes to their Property and Casualty needs, and we can deliver!

Your client has specific needs when it comes to their Property and Casualty needs, and we can deliver! We understand that you and your client are busy and need impeccable service, so our team members at AP Advantage will provide you and your clients with nothing less.

AP Advantage provides retail agents and brokers the benefits of specialty experience combined with exceptional customer service, on a national basis. We pride ourselves on having the experience, market resources, resourcefulness and attention to detail to satisfy our customer's needs. We recognize you have many market access choices. Think of us as the wholesale agency on your team for your small and mid-size business. We can handle everything from main-street accounts to complex and hard-to-place risks.

We can handle your main-street, complex and hard-to-place risks. Providing our retail agents and brokers specialty experience, combined with exceptional customer service, on a national basis.

...elves against their property and liability exposures by purchasing Commercial ...ve risk financing. Because Comp and Liability claims tend to be paid over one ...

If a disaster covered under your Homeowners insurance wrecks your home, you don't have to couch-surf until repairs are finished. The standard Homeowners policy will pay for loss of use or Additional Living Expenses (ALE) - such as rental and hotel costs - while your dwelling remains uninhabitable Check out these guidelines for using this valuable coverage: Know the amount of your ALE. The Homeowners policy caps additional expenses as a portion of the Dwelling coverage (usually 20%) and sets a time limit, such as 12 months. If you believe that you'll need more coverage, increase the amount before disaster strikes. Look for comparable digs. Staying in a hotel gets old rapidly, so you'll want to get settled quickly. However, don't decide too soon - you're entitled to stay in a place that's comparable in size and quality to your house. Count all your extra expenses. In addition to the cost of housing, don't overlook other expenditures - everything from restaurant meals while living in a hotel and fees for boarding pets to the expense of coin-operated laundry and extra mileage for driving further to work. Remember that the key word for ALE is "additional." The insurance company can deduct any money you save from living in temporary housing (such as the amount you would have spent on groceries from your reimbursement for restaurant meals while you're staying at the hotel). Keep your receipts. The insurance company will generally reimburse you for expenses as they're incurred, rather than paying a lump sum. Keep meticulous records of every expenditure, save all your receipts - and store them in a waterproof, zippered pouch. For more information on your Additional Living Expenses coverage, please feel free to get in touch with us at any time.

...nvenience stores, grocery stores, hotels or motels, package stores, special ev...