THE CROCKETT GROUP, INC.
VERO BEACH, FLORIDA

who we are | what we do | why we do it The Crockett Group stands out in offering you proven performance in selecting proper coverages, in finding you competitive prices in premiums, and in superior customer service. We are committed to doing business the “ .” We are dedicated to knowing and developing relationships with each of our clients. Instead of relying solely on automated phone messages and electronic communication, we continue to talk, one-on-one, with our clients, to be aware of their needs, and to service those needs quickly and thoroughly. In each of our departments a highly trained, experienced professional awaits you and your insurance challenge. Through years and years of experience, each professional at The Crockett Group has gained an understanding of the optimum coverage essential to protecting your most precious assets. Whether you require a personal auto insurance policy, a precisely detailed commercial business policy, a life insurance policy, a highly complex pollution liability policy, or an extremely detailed policy to safeguard your international trade, The Crockett Group Commercial insurance and small business insurance policies in Vero Beach. The Crockett Group Personal insurance for your family and commercial insurance for your business. Business Insurance Agriculture and ranching, churches and non-profits, construction, and mercantile are just a few of the commercial organizations in which The Crockett Group is particularly experienced and holds a unique expertise. There is one insurance agency in Vero Beach where the agents are mature, experienced, and professional. Regardless of your situation, our tested and proven agents have likely handled it before. Look us over and…see what The Crockett Group can do for you! Homeowner’s insurance policies normally provide replacement cost coverage for the dwelling in the event of a loss. As such, insurance companies require policyholders to purchase an amount of insurance equal to the cost to rebuild the home using current construction costs and materials of like quality, but not including depreciation. This can be very different from the market value of the home. The market value of a home is the amount the home is worth if it were sold today, considering land, market conditions, and depreciation. The two amounts are normally quite different. Your agent at The Crockett Insurance Group will help you calculate the most accurate replacement cost value that will afford adequate funds to rebuild your dwelling in the event of a loss. The personal umbrella policy is excess liability insurance that provides protection that is over and above that provided by auto, home, and boat insurance. People with significant assets or significant earnings potential need an umbrella liability policy to cover lawsuits that can sometimes amount to millions of dollars. The umbrella policy has broad coverage that can cover some claims that wouldn’t be covered by home and auto insurance, such as personal injury lawsuits arising from slander, possible animal liability, libel, or rental units the insured may own. The policy also covers any damage to the property of others that is held, controlled, or cared for by the insured. Your Crockett Insurance Group agent can help you determine your proper amount of coverage for your personal umbrella. Is the business personal property that I keep at my house covered under my homeowners policy? Most policy holders look at their declarations page and see a contents or personal property limit and think that limit covers all belongings on their property. However, if they continue to read the policy there is a section entitled “Special Limits of Liability” where they would find that most companies limit many items, including business personal property. If you own a small business and have an inventory in your home, there is a very good chance that it is not covered by your homeowners policy. Your Crockett Insurance Group agent will review your policy and will advise you if your business personal property is covered. If not, your agent will structure a policy to economically ensure that your business property is adequately protected from loss.