Carrying decades of industry experience, we know what you need and have what it takes to deliver tailored solutions that protect your family and your business.
Liability & Life Insurance
Liability & Life Insurance That’s Tailored to You
At Stonebrook Insurance, we specialize in liability and life insurance that fit your individual needs. From protecting you and your business from risks to providing for your family, we offer the peace of mind and financial support you need when you need it. Serving clients all over the country, we take a personalized approach to finding you the right plan.
Our liability and life insurance products help you prepare for what’s next with custom coverage that gives you total peace of mind. Whether you want to safeguard your assets or plan for the future, we have the policy for you. With liability insurance, you’re protected from lawsuits and unexpected claims, and our life insurance solutions make sure your family is taken care of if anything happens to you. At Stonebrook Insurance, we’re proud to be your partner in protecting your assets, your loved ones, and your future. Let us help you plan for what’s ahead with confidence and care.
Explore Our Liability & Life Insurance Options
Find coverage options that are designed around your personal and business priorities.
Liability Insurance
Liability insurance is there to protect you in the event of a lawsuit or other unforeseen financial loss. No matter if you’re a business owner with risks to manage or a homeowner concerned about a lawsuit, we have a liability insurance option that’s right for you. Explore these coverage options:
- Commercial General Liability (CGL): CGL insurance helps your business in the event of bodily injury, property damage, or personal injury that occurs as a result of business operations.
- Umbrella Liability Coverage: Umbrella insurance is designed to help you in the case of an extreme liability issue or other unforeseen circumstance that results in financial loss. This coverage provides additional liability limits beyond those of your standard liability policy.
- Professional Liability Insurance: Also known as errors and omissions (E&O) insurance, this liability coverage is for professionals in a career that typically involves providing some form of guidance, assistance, or other similar benefit to customers. E&O policies are designed to protect the policy holder from the financial ramifications of a lawsuit or other liability that results from making a mistake in their field.
- Personal Liability Insurance: Personal liability insurance is used to shield an individual or a family from a lawsuit that might occur as a result of another person being injured or having property damaged on their premises.
Life Insurance
Life insurance helps take care of your loved ones if the unexpected happens. When you buy life insurance, you have a number of different options, from term life insurance to permanent life insurance. At Stonebrook Insurance, we provide you with all these choices, including:
- Term Life Insurance: Term life insurance is a low-cost option that provides coverage to policy holders for a set amount of time, known as a term. This is a temporary insurance policy that offers a death benefit to your family and beneficiaries after the policy holder dies. Term life insurance is designed to be affordable and provide financial security for a predetermined period of time. Term life insurance policies are popular options because they can help provide coverage for a number of different financial obligations, like a mortgage or to help support a dependent.
- Whole Life Insurance: Whole life insurance is a life insurance policy that guarantees coverage for the life of the insured as long as premiums continue to be paid. Premiums for whole life policies do not change, and the policy also has a cash-value component which increases in value over time. This type of policy is a great option for those who wish to ensure that their family or beneficiary is taken care of after they pass away.
- Universal Life Insurance:
Universal life insurance is a form of permanent life insurance, which means the coverage is guaranteed to last for the life of the policy holder. It also features a savings element and low premiums, though unlike other policies the premiums and death benefit are flexible and can be adjusted as the policy holder’s life and needs change.
This insurance protects your family’s future, helps your loved ones pay off debts, and even allows you to leave a legacy for generations to come.
Key Features of Our Liability & Life Insurance
With Stonebrook Insurance, you can get comprehensive insurance plans that are built around your individual needs.
- Protection Against Lawsuits: Keep yourself and your assets safe with liability policies that protect you from legal claims and financial loss that can come about from accidents, negligence, or unexpected events.
- Income Replacement: Protect your family with life insurance plans that provide financial security to your loved ones if you’re no longer able to earn an income.
- Customizable Policies: Choose policy features that matter to you with optional policy riders that allow you to tailor your plan.
- Affordable Coverage Options: Get flexible plans that are designed to work with your budget and still offer you full coverage.
Personalized Policy Based on Your Needs
At Stonebrook Insurance, we know that you and your business have individual needs and insurance requirements. That’s why we provide a range of different customization options that allow you to tailor your policies to your exact situation, giving you the confidence and security you need to know that your coverage is truly right for you. Protecting your family, your business, or your future is easy with our help.
Popular customizations include:
- Add Ons for Life Insurance: Our life insurance options can be made even more robust with additional coverage that protects you and your family in case of accidental death or in the event of critical illness. Child term riders and other important add-ons are also available.
- Higher Liability Limits: Don’t take chances with coverage gaps by increasing your limits to a level that you feel is best for your situation. Whether it’s for a personal or business-related liability, we can help you manage your risk to suit your exposure.
- Policy Conversion Options: We offer policy conversion options for term life insurance policy holders to help you change your plan to a permanent option down the road without having to start over from the beginning.
Let us help you customize your insurance plan to build a policy and security net that is designed around your own lifestyle, needs, and future goals. Our insurance experts will guide you in designing and creating a plan that will grow with you and help you protect what is most important to you.
Why Choose Stonebrook Liability & Life Insurance?
At Stonebrook Insurance, we pride ourselves in offering quality insurance at affordable rates, while also going the extra mile to provide a first-class, customer service experience. Here are some of the key reasons clients choose us for their liability and life insurance needs.
Long-Standing Reputation
Nationwide Insurance Plans
Stonebrook Insurance is based in Texas, but we pride ourselves in offering service and insurance plans to clients all over the country.
Personalized Service
Every customer and their individual needs are different. That’s why we make the effort to sit down with you and design a customized insurance plan that works with your life.
Competitive Rates
You should never have to break the bank for quality coverage. Our insurance options are built to keep your budgets in mind while still offering the highest-quality coverage.
Top Tier Support
At every step of the way, from quotes to claims and everything in between, our team is here to provide professional and courteous service that is second to none.
What Our Clients Say
Contact Us Today.
Stonebrook Insurance is here to help you secure coverage for any of your financial obligations, provide for your loved ones, or just reduce your risks. Reach out today to discuss your liability and life insurance options with our expert team.
FAQs About Our Liability & Life Insurance Services
What is the difference between term and whole life insurance?
Term life insurance is temporary and provides coverage for a pre-determined period of time. These policies are typically cheaper than whole life insurance. Whole life insurance is permanent, as long as the policy holder continues to pay premiums. These policies also have a cash-value component, which can be used for loans or to supplement the policy holder’s income later in life.
Do I need liability insurance even if I’m not a business owner?
Yes, liability insurance is important for all individuals, not just business owners. This insurance can help protect you in the event that you or a member of your household are held liable for an injury, damage, or some other type of accident. For example, if someone were to get injured on your property or if you accidentally damage another individual’s property, you can use liability insurance to help pay for medical or legal costs.
Can I customize my life insurance policy?
Definitely! We know that everyone has different needs and situations, which is why we offer a variety of add-ons and riders to customize your life insurance policy to your exact needs. If you need additional coverage to account for an illness, an accident, or a child’s future, we can design the perfect plan for you.
Is Stonebrook’s insurance services available in every state?
Yes, we proudly offer our services to customers all across the United States. We are happy to serve Stonebrook clients no matter where they live or are located.
How do I get a custom quote?
Getting a free custom quote from Stonebrook is easy! You can contact us online by using our website or by giving us a call. Our team will assess your needs and provide you with information about the best insurance options for you and your situation.
