Personal Lines Insurance

Personal Lines InsuranceSherrie Henry has been serving the insurance needs of individuals and families for over 20 years. Sherrie’s primary objective is providing a tailored program of personal lines protection, which includes auto, home, rentals, including flood, and recreational conveyances. Sherrie lives in Visalia with her son Zach and her extended family of animals. Sherrie loves motorcycle riding, Nascar and the outdoors. Sherrie can be reached at sherrieh@insure4less.com. Bus # 594-5500 ext. 29, 1-800-842-8818 1-800-842-8818 fax # 592-1062

Auto
··· Preferred - Standard - Non Standard
Homeowners - Renters
··· Small Medium and Large Homes
Flood Insurance
··· Federal Program Available
Rental Dwellings
··· Property and Liability
Watercraft
··· Including Yachts
Recreational Vehicles
··· ATV's and Motor homes
Umbrella Liability
··· Large Lawsuit Protection

Farm Bureau

Worker's Compensation Benefits

We use a spreadsheet approach when comparing proposals for coverage. It's our guarantee that we will contact all markets available to us so you may select from the lowest cost programs.

Individual Programs

Dividend Programs

Group Programs

Partially Self Funded Programs

California law requires all employers to carry worker's compensation insurance. Even out of state employers may need worker's compensation coverage if an employee is regularly employed in California or the contract of employment is entered into here.Worker's compensation insurance premium rates were deregulated several years ago. They now vary from carrier to carrier. Cost is only one consideration, as there are other services offered by carrier.

Commercial Lines Insurance

We are in the business of protecting people, property, facilities, equipment and assets. Our objective is to help business people protect what they have achieved by eliminating or transferring risk.

Boiler and Machinery
··· Includes Electrical Panels and Motors
Bonds
··· Contract, License, Probate, etc ...
Business Packages
··· All types of businesses
Commercial Property
··· Can include flood and earthquake
Directors & Officers
··· Don't risk your personal assets
Employee Dishonesty
··· Only a trusted employee can embezzle
Employment Practices Liability
··· Employees sue their employers
Errors & Omissions
··· Mistakes are made
General Liability
··· Think party injuries
Umbrella Liability
··· Large third party lawsuits
Vehicles
··· Licensed and unlicensed

Farm Bureau

Agri-Business Insurance

Today's farm owner needs to have the flexibility of purchasing varied coverage to protect both their property and future earning power. We have several policy plans that can be tailored to suit each individual farm need.
Applicators

Farm Managers

Farm Owners

Advisors

HOW DO I JOIN?
1.
By Telephone - Call the Member Help Desk at 1-800-698-FARM 1-800-698-FARM (3276) and have your VISA or MasterCard ready for dues payment. Be ready to provide name, address, phone and specify your choice of county Farm Bureau to join (residence, property ownership or place of business.)
2.
By Mail - Complete and mail an application form to the California Farm Bureau Federation - Help Desk, 2300 River Plaza, Sacramento, CA 95833. We will contact you to verify the dues rate for your county Farm Bureau and will then send you an invoice.
3.
Through the County Farm Bureau - Check the County Farm Bureaus page to find the California County Farm Bureaus map. Click on your county and learn how to contact your county Farm Bureau.

NAU Crop Insurance

Founded on the premise to keep things simple, NAU has continued to deliver the highest level of support and service.

Central Arizona and more specifically the San Carlos Irrigation and Drainage District (SCIDD) located in Pinal County, Arizona, is experiencing a drought year. As a result of a reduced water supply, prevented planting claims are expected for lands irrigated by the SCIDD. Questions have been raised regarding the determination of the correct allocation figure to be used in determining prevented planting indemnities for acreage in the SCIDD for the 2009 crop year.
Irrigation water for SCIDD is stored at the Coolidge Dam. The water rights for SCIDD are administered through the San Carlos Irrigation Project (Project), which is a U.S. Department of Interior, Bureau of Indian Affairs organization. Among the multiple factors the Project takes into account in determining the allocation are the amount of water flowing into the Coolidge Dam and the amount of stored water in the Coolidge Dam. Over the past 25 years the apportionments have been as high as 4.0 acre-feet and as low as 0.35 acre-feet. However, the average allotment over the past 25 years has been 1.90 acre-feet per acre. Additionally, using an average median inflow amount of 315,000 acre-feet into the Coolidge Dam would also result in an estimated allotment of 1.9 acre-feet per acre.
ACTION:
The snowpack for the San Francisco-Upper Gila River watershed, which provides the water for SCIDD was only 42 percent of the 30-year average as of April 1, 2009. The streamflow levels throughout the spring runoff period were well below normal. The storage level of the Coolidge Dam in the beginning of the year was only 42 percent of average. SCIDD’s allotment for 2009 has been announced as 1.2 acre-feet per acre.

Great American Insurance

Great American's Farm & Ranch, Crop, and Equine insurance products can be tailored to give you the coverage you need. The Farm/Ranch and Equine products can provide you with Property and Casualty protection. Our Crop products will insure your property exposure for these assets. We are leaders in the agricultural insurance industry, and our products are comprehensive, yet flexible so that they meet your individual needs.

How much does crop insurance cost?

Premium rates depend on the level of coverage elected and vary by crop and county. Premium will be effected by your yield history.



When do I apply to obtain crop insurance?
A:
This will vary by the crop, county, and state