Insurance is a big umbrella that covers a broad area. It protects you and the things that you value from specific as well as unpredictable factors. Insurance is primarily meant to compensate you for financial risks and liabilities. As an independent insurance agency, Massey, Clark, Fischer’s role is to inform, educate and guide you towards selecting the most appropriate insurance policy based on your needs. 

While insurance can be categorized in many ways, there are generally two types they fall under:  

Personal Insurance
You, your family, and your belongings are most likely the things you care about most. Personal insurance is meant to shield these things from loss. These types of policies basket real estate, automobiles, artifacts, goods etc. owned directly by you. It also safeguards intangible aspects against risks, i.e., life, health, term-care, annuities, etc. With personal insurance, you will be better equipped to deal with unforeseen troubles that come your way. 

Commercial Insurance
This is a financial safeguard for the sources that you generate income from. This can consist of your profession, business/ organization and the supporting assets that enable a constant flow of revenue. Physical assets like machinery, automobiles, technology, products, property etc will be insured against damages and depreciation. You can also secure possessions like bonds, retirement plans, employee benefits, work compensations, etc. Earning a living is a vital facet of life, and commercial insurance defends them from external turmoil.  

While the end goal is monetary protection through paid premiums, the portfolio of insurance policies and requirements often differ from state to state. MCF services the needs of clients in South Florida—West Palm Beach and surrounding areas. With more than 65 years of experience in this market, we have extensive knowledge of Florida-specific insurance guidelines and requirements. We are also affiliated with FAIA (Florida Association of Insurance Agents). They make sure that certain codes with respect to ethics, conduct, regulations and communications are being followed by insurance agencies. 

Massey, Clark, Fischer is a family-owned firm committed to assisting people with making the right choice. We have been serving individuals and businesses in our community for more than 65 years now. We help our clients find or customize the policy best suited for their needs and support them at every step- and we do this at no cost to you. Our aim is to establish trust and forge long-term relationships with our clients. For more information about how you can join our client family, contact us. 

Disclaimer: The above description provides a brief overview of the terms and phrases used within the insurance industry. These definitions are not applicable in all states or for all insurance and financial products. This is not an insurance contract. Other terms, conditions and exclusions apply. Please read your official policy for full details about coverages. These definitions do not alter or modify the terms of any insurance contract. If there is any conflict between these definitions and the provisions of the applicable insurance policy, the terms of the policy control.