New Car dealerships have special needs and requirements.  In order to lower the dealers insurance and operating costs, we offer an Auto Dealer Cost Control Program specifically designed for the dealership.

Studies show that 70% of the losses that occur in dealerships can be prevented when proper attention is given to loss avoidance.  Reduced losses lower the cost per new car sold.  Participants in the Auto Dealer Cost Control Program receive a loss control program tailored to the needs of the dealer by trained loss control personnel who inspect facilities and offer security recommendations specifically for dealerships.  Dealers throughout Massachusetts have reported that insurance losses declined substantially in two years following implementation of loss prevention recommendations.

These days, there are many different kinds of health insurance plans for you to choose from.  HMO's offer rich benefits, but restrict the providers you can use.  PPO plans provide coverage in and out of network.  Traditional insurance plans offer full freedom of choice, but even a visit to the doctor is subject to a deductible.

When your health is at stake, you'll settle for nothing but the best.  While the quality of care can remain your top priority, you still worry about the costs.

We have the expertise to deal with third parties to get you the most for your health dollar.

Although highly regulated by the State, there are options available to our insureds who have not had losses or who are willing to work toward reducing risk.  We offer several options and have the ability to assist our insureds in lowering their risk and thus saving money.  We also have several payment plans available.

401k plans offer a wide variety of options and we have the know-how to design and implement a cost effective plan that is right for you.  

Our plans are:

• Cost Effective
• Flexible
• Individually designed
• Employer / Employee participation
• Investment options 

Securities are offered through registered representatives of Sammons Securities Company, LLC.  member NASD & SIPC.  Securities activities are supervised from a Sammons Securities Company branch office at 4261 Park Rd., Ann Arbor MI  48103.  Mid-State Insurance Agency, Inc. is independent of Sammons Securities Co.

One of your employee's major concerns or worries is "What will happen if I am not able to work?  Who will pay the bills and provide for may family?"  Offering disability insurance is one way of providing peace of mind for your employees.  

Short and long term disability programs are available.  We have the ability to explain and provide the type of coverage you need.

There are several different categories of life insurance.  The correct type depends on the purpose as well as the cost.  Generally life insurance is purchased to:

1. Cover major personal expenses
2. Estate Planning
3. Retirement
4. Cover major business expenses
5. Gifts

We understand your ever changing needs and responsibilities, and have the means to advise you of the options to provide proper coverage

Dental benefits are an investment in your employees or members.  There are many different kinds of dental plans for you to choose from.  These plans are designed to be preventative in nature.  Some plans only cover or offer basic benefits, and offer limited restorative care.  Others offer extensive restorative plans with high deductibles and maximum limits.  

Providing your employees with the best coverage for the money is something we have the ingenuity, resources and the contacts to do.

Businesses require insurance protection that meets their specific needs.  It is crucial to the well being of every organization that the person they deal with to recommend coverage and review risk, is a professional and can advise them properly.

Property Insurance

Liability Insurance

Garage Insurance

Umbrella

Bonds

Insurance protection must meet the specific needs of an individual.  It is vital for the well being of the individual that the person they deal with explain the coverage options so they are able to make an informed decision.  An insurance advisor must be a professional who can advise them properly after reviewing their needs and situation.

Homeowners / Apartment Insurance

Automobile Insurance

Personal Articles Floater

Umbrella

Estate Planning is not just for the wealthy.  The amount of planning is related to the complexity of the estate.  Basic planning should start with a will for everyone.  More complex estates need additional planning as in-depth provisions in wills, gifting considerations, and one or more trusts.  Individuals who fall in one or more of the following categories should consider more in-depth planning:

• Net worth in excess of $600,000
• Ownership in a business
• Persons with potentially high incomes in the next few years
• Families with dependents that have special considerations (mental or physical disabilities, etc)

Without proper planning, your estate could be cut in half by federal estate taxes.  Proper planning can prevent problems such as:

• An immediate need for funds to pay estate settlement costs
• Inadequate cash flow for survivors
• Probate delays in distributing assets
• Estate shrinkage due to forced liquidation or conversion of non-liquid assets to pay estate taxes