Davis & Garratt Insurance is a full-service agency that insures not only liability, autos, homes, businesses, and business property, but also the most important things in life such as financial independence from a breadwinner’s death or business continuation after a business owner or key employee’s death. 

None of us want to think about what happens if a business owner or breadwinner passes away, but without proper planning – a death can not only be detrimental to our emotional well-being, but also can be devastating to those left to live. 

What will happen to those that you leave to live – on the personal life insurance side, will there be enough money to pay the mortgage, childcare, or send the kids to college?  On the business life insurance side, who will run the business if the owner passes away – does the owner generate most of the income?  What happens to the family, the employees, partners, etc?  You may not ever file a claim on your home, commercial liability policy, or auto, there is no way around not filing a claim on your life insurance policy.