* Please contact us or stop by Hanckel-Citizens' office for information regarding specific policies.

PERSONAL INSURANCE • Homeowners • Renters/Tenant • Automobile • Motorcycle • Farm and Estate • Flood Insurance • Personal Excess Liability • Collections, Jewelry and Fine Arts • Boats and Yachts HEALTH & LIFE INSURANCE • Group & Individual Health • Group & Individual Life • Financial Planning	BUSINESS INSURANCE • Business Owners Policy (BOP) • Commercial General Liability (CGL) • Commercial Inland Marine • Contract Bonds • Business Income Coverage • Workers Compensation • Builders Risk • Boiler and Machines • Commercial Crime Coverage • Surety Bonds • Excess and Surplus Lines (click any type for more information)

PERSONAL INSURANCE


Homeowners

States specific amounts of coverage for: the house, attached and detached structures on the property, and limited personal property and liability coverage for damage the policyholder or dependants cause to a third party.

click here for online application for Homeowners policy>

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Renters/ Tenant

Covers personal property, additional living expenses if tenant must move out while home is being repaired (loss of use coverage), and liability coverage for damage the policyholder or dependants cause to a third party.

contact us for more information on Renters/Tenant policies>

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Automobile

Virginia State Law requires drivers obtain auto insurance including: Collision for damage to the policyholder's car, Comprehensive for damage not involving another car (fire, tree, etc), Liability for damage caused to someone else for bodily injury and property damage, Medical Payments to others for the treatment of injuries, and Uninsured Motorist Coverage for costs resulting from a hit-and-run or an uninsured driver.

If a driver does not obtain automobile insurance they must pay the Uninsured Motorists Fee upon vehicle registration.

click here for online application for Automobile policy>

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Motorcycle

Similar to an Automobile Policy, please refer to Automobile definition

contact us for more information on Motorcycle policies>

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Farm and Estate

A specialty of our agency, farm and estate policies combine residential and business needs into one policy. Available property and liability insurance includes:

•	Home and Personal Property
•	Personal and Business Liability
•	Business Property
•	Mobile Agricultural Machinery and Equipment Coverage
•	Livestock and Poultry Coverage

contact us for more information on Farm/Estate policies>

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Flood Insurance

Coverage for flood damage available through insurance agents from the National Flood Insurance Program of FEMA. To qualify for the National Flood Insurance Program (NFIP) a property must be in a community that participates in the NFIP.

click here to find out if your community participates in the NFIP (FEMA website)>

contact us for more information on Flood Insurance policies>

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Personal Excess Liability

Sometimes referred to as an Umbrella, this type of policy offers additional liability coverage for bodily injury or property damage the policyholder or dependants cause to a another person. This type of policy cannot exist on its own; it must be "stacked" on top of existing personal liability coverage from another policy, such as an Automobile or Property Policy.

contact us for more information on Personal Excess Liability policies>

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Collections, Jewelry and Fine Arts

Valuable articles policy (also called individual article floater, or scheduled personal property) insures specific types of personal property for specific amounts. It is important to note, personal property coverage under a homeowner's policy offers limited coverage for jewelry, watches, furs, fine art, guns and special collections (such as wines), making the need for these policies frequent.

contact us for more information on Collections, Jewelry, and Fine Arts policies>

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Boats and Yachts

These policies may include hull, motor, and liability coverage.

contact us for more information on Boats and Yachts policies>

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COMMERCIAL INSURANCE



Business Owners Policy (BOP)

All inclusive package of coverage for small to medium businesses. Optional coverage can be tailored based on individual needs.

contact us for more information on Business Owners (BOP) policies>

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Commercial General Liability (CGL)

An extensive commercial policy that covers liability exposures of a business not specifically excluded. Coverage includes completed operations, product liability, premises and operations, and independent contractors.

contact us for more information on Commercial General Liability (CGL) policies>

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Commercial Inland Marine

Covers articles in transit by land and air transportation, instruments of communication and transportation (bridges and tunnels).

contact us for more information on Commerical Inland Marine policies>

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Contract Bonds

Bonds of various types guarantee reimbursement resulting from dishonesty, failure to perform and other acts.

contact us for more information on Contract Bonds policies>

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Business Income Coverage

Covers loss of business income and extra operating expenses due to an interruption of normal business operations.

contact us for more information on Business Income Coverage policies>

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Workers Compensation

State Law requires employers with three or more employees (including employer) to provide certain benefits for workers injured on the job. Compensation can include medical care, physical rehabilitation and lost wages.

contact us for more information on Workers Compensation policies>

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Builders Risk

Provides insurance for a structure or building under construction.

contact us for more information on Builders Risk policies>

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Boiler and Machines

Covers damage caused by equipment breakdown, malfunction, and electrical failure (including boilers, air conditioners, heating, telephone, and computer systems).

contact us for more information on Boilers and Machines policies>

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Commercial Crime Coverage

Covers loss due to employee dishonesty, burglary, theft and robbery.

contact us for more information on Commerical Crime Coverage policies>

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Surety Bonds

Bonds: Administrator, Assignee, Court, Decedent Debt, Executor, Fiduciary Guardianship, Judicial, License, Litigation, Lost Instrument, Miscellaneous, Permit, Public Official, Trustee, and others.

contact us for more information on Surety Bonds policies>

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Excess and Surplus Lines

Insurance market for unique insurance needs, policies offer greater flexibility and conditions than standard state-regulated insurance companies.

contact us for more information on Excess and Surplus Lines policies>

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LIFE AND HEALTH INSURANCE


Our services include; Group & Individual Health, Group & Individual Life, and Financial Planning.

We have a specialized department focused specifically on these needs.

contact our Life and Health Insurance Department for more information>

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