I take time to learn about your business industry, exposures, possible gaps, its activities and any business activites or changes in your business that may have insurance implications.
I work with dozens of highly-rated commercial insurance companies to identify the policy that offers you the best coverage at the most reasonable price. I will compare everything from policy limits (the amount of coverage you want and need to have in place) to deductibles (the amount you’ll have to pay out-of-pocket if something happens) and more.
Together, we’ll choose the best course of action.
I take the time to understand you and your particular needs. I shop the best insurance companies available to find the policy that addresses potential gaps and covers exactly what you need covered. Then, I tailor an insurance program that is just right for you at the right price. I am all about helping families and individuals protect the very things for which they’ve worked so hard for.
As the cost of health care continues to rise, Long Term Care (LTC) coverage becomes an increasingly important component of every American’s safety net. Traditional health insurance doesn’t cover most LTC services. State and Federal programs only cover people with low incomes and are notorious for the poor quality of care provided.
LTC coverage provides you with peace of mind and protects your assets.
The average annual cost of convalescent care is over $92,000.
In 20 years, the average annual cost is expected to exceed $202,000.
The average lifetime expense to care for an Alzheimer’s patient is $290,000.
Without Long Term Care coverage you will have to use your fixed pension income and other accumulated assets to pay for care.
A LIFETIME OF SERVICE AND PROTECTION
Tom has been a resident of Santa Clarita Valley for over fifty years. After spending twenty-six years in law enforcement serving and protecting the Los Angeles County community, he transitioned into insurance as an Insurance Broker providing the same attitude, passion, and care. He is an ambassador with the Santa Clarita Valley Chamber of Commerce and was awarded “Ambassador of the Year” in 2016. Tom Broadway Insurance Services offers complimentary reviews of your insurance policy to help identify potential gaps in your coverage. As an independent insurance agency, Tom Broadway Insurance Services has access to over 100 carriers, helping find the best coverage and price. Call today and see why Tom Broadway Insurance Services has a reputation for providing service and protection for all your personal and business insurance needs.