WHAT
WE DO
PERSONAL
Auto, Home, Motorcycle, RV, Renters, Watercraft
FARMS
Farms are usually a type of business operation and as such may not be covered by home policies. Please let your agent know if you have a farm so they can recommend the best coverage.
SUPPLEMENTAL
Accident, Cancer, Critical Illness, Disability, Life, etc. Sometimes this is offered through your workplace. You can usually get better deals with more perks by going through your workplace if they are on Group Plans. Supplemental policies usually do not tie to other insurance policies and are paid on top of your other insurance.
LIFE
There are so many kinds of life insurance, you really need to talk to an agent to determine the right one for you. They pay out when you die, or maybe when you get a bad diagnosis. Whole Life builds cash value that can be taken before you die. Term Life has no cash value, but may pay out some amounts before you die depending on the policy.
20 pay life is an interesting policy for children or grand children.
OTHERS
Pet Health Insurance
UMBRELLA
Umbrella coverage adds additional liability coverage for home, auto, and possibly additional situations you never thought of. Added in $1,000,000 increments. This is for anyone with assets that could be lost in a lawsuit and that would not be protected in bankruptcy.
COMMERCIAL
There are so many commercial policies. A Business Owners Policy (BOP) is where most businesses start. A newer policy type is a Cyber Security Policy which covers security breaches that result in personal information being stolen. Workers Compensation Policies may be required based on your state, but no matter the state, they are very highly recommended.
ERRORS & OMMISSIONS
DIRECTOR & OFFICERS
If you are a professional where someone relies on your advice and you can be sued for bad, incorrect, or perceived bad advice, then E&O is for you.
Directors and Officers Liability covers directors and officers of a company from personal lawsuits based off decisions made on the company's behalf.
HEALTH
Call our number for a quote.
If you are looking for a group policy to cover your employees, we will need a census consisting of:
1. Employee names or id's (not SSN)
2. Zip Codes of the employee's address
3. Birth Dates
4. Male or Female
OUR
TEAM
KRISTINA LOWRIMORE
AGENT / OWNER
Tel: 479-340-0436
KELLY
LOWRIMORE
AGENT / OWNER
Tel: 479-340-0436
JAMES FENNELL
PARTNER / OWNER
Tel: 479-340-0436
OUR ADDRESS
For any general inquiries, please fill in the following contact form:
CONTACT
FB&L
INSURANCE
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