A Heritage Health Insurance Company review leads to Heritage Insurance Group, Inc. This insurance company sells business, home, auto, life, and health insurance plans to individuals and groups. Founded in 1909 as the Erwin Insurance Agency, it has been known as Heritage Insurance Group for 15 years.
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Heritage Insurance Group operates out of Tennessee and offers insurance to Tennessee residents only. They focus specifically on the tri-state area of Johnson City, Kingsport, and Nashville but provide insurance for any resident in the state.
Heritage Insurance Group Personal Insurance
Heritage Insurance Group has three areas in which they specialize. These areas are personal insurance, business insurance, and financial services, which include health insurance plans. Focusing on these three areas allows Heritage to be specific in helping individuals and businesses meet their insurance goals.
Personal lines of insurance sold by Heritage Insurance include:
- Condominium owners
- Personal umbrella
- Farm owners insurance
Each of these lines of insurance can be customized to match the needs of the individual while staying in line with Tennessee state insurance laws and guidelines.
Heritage homeowners, condominium owners, and farm owners’ insurance includes property damage coverage and personal injury coverage. Property damage is to cover anything that happens to the physical structure of the home. Personal injury covers costs and some medical expenses, if someone is injured on your property. Renters insurance only covers the contents of the home.
Automobile insurance, boat insurance, and aircraft insurance cover vehicles on the go. All Heritage Insurance plans include the legal limits required by law as well as the amount of coverage required by the lien holder on your vehicle. They also take into consideration your income and total assets and suggest coverage amounts that will protect what you have worked hard to gain.
Heritage Insurance Group Business Insurance
Heritage Insurance offers a variety of insurance plans for business owners including:
- Commercial property insurance
- General liability
- Professional liability
- Business automobile
- Workers compensation
- Business umbrella
- Surety bonds
These plans are available for both small and large businesses in low to moderate risk categories. Heritage does not offer coverage for high-risk businesses.
Commercial property and general liability are two of the most basic insurance coverage options that businesses can have. In fact, in most states it is illegal not to carry these two types of coverage options. Heritage Insurance offers both commercial property and general liability options that can be customized to fit the exact needs of the particular business.
Professional liability is for those who work in what is considered a professional occupation. Professionals often need more coverage because they are exposed to greater risks for legal action. Some examples of professionals are:
- Insurance agents
- Funeral directors
This type of insurance is vital for these occupations.
Heritage Insurance Group Financial Services
Heritage Insurance financial services options include:
- Group medical
- Group life
- Buy-sell life insurance
- Individual life insurance
- Long-term care insurance
- Disability insurance
Though you may not think of medical insurance as a financial service, this category of products is meant to protect the assets and income of the policyholder so providing affordable medical insurance falls into this category.
Group medical and group life insurance is available to employers to offer to their employees. Studies show that the number one reason employees stay at a job is for the benefits. Providing affordable, quality benefits to employees is a great employee retention tool that corporations and businesses can use.
Long-term care insurance, disability insurance, and annuities are also financial service products that are available for employers to offer to their employees. For all of these services, Heritage Insurance agents work one on one with company representatives to create the best benefit package for employees.
Heritage Insurance individual life insurance plans can be purchased by individuals to add to their health insurance policy or can be purchased individually. Life insurance is the best way to take care of loved ones who will be left behind in the event of your death. Heritage agents review your financial picture, what you want to leave behind, and your overall family needs to develop the plan that is right for you.