Services
What We Have Here for You
We offer a wide range of services and products designed to enhance customer convenience, provide added value, and manage risk more effectively.
Automobile Insurance
Your protection against the high costs associated with car accidents, theft, and other unexpected events.
Worker's Compensation
state-mandated insurance program that provides benefits to employees who suffer job-related injuries or illnesses.
Bid Bond
Its primary purpose is to ensure that if a contractor is awarded a project.
Performance Bond
Its primary purpose is to ensure that the contractor completes the project accordi
Payment
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Liabilty Insurance
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Core Values
Integrity
Building trust through transparency and ethical practice.
Customer Focus
Delivering efficient, responsive, and personalized service.
Community
Supporting the growth and development of the CNMI.
Space to make your
greatest impact.
Frequently Asked Questions
What is the difference between comprehensive and collision coverage?
Collision Coverage pays for damage to your own car when you hit, or are hit by, another vehicle or object, regardless of who is at fault.
Comprehensive Coverage pays for damage to your car from events that are not collisions. This includes theft, fire, vandalism, falling objects (like a tree branch), and encounters with animals (like hitting a deer).
What is liability coverage, and why is it required by law?
Liability coverage pays for the damage and injuries you cause to other people in an accident where you are at fault. It’s split into:
Bodily Injury Liability: Covers medical expenses, lost wages, and legal fees for the other party.
Property Damage Liability: Covers repairs to the other person’s car or property (like a fence).
It’s required by law in most states to ensure that all drivers can pay for the damage they cause.
What is uninsured/underinsured motorist coverage (UM/UIM)?
This protects you and your passengers if you’re in an accident caused by a driver who has no insurance or not enough insurance to cover your medical bills and losses.
What is a deductible?
A deductible is the amount of money you agree to pay out-of-pocket toward a claim before your insurance coverage kicks in. For example, with a $500 deductible, you pay the first $500, and your insurer pays the rest (up to your policy’s limit).
What does "full coverage" mean?
“Full coverage” is not an official insurance term. It typically refers to a policy that includes both comprehensive and collision coverage in addition to your state’s required liability coverage. It’s the most common way to protect your own vehicle’s value.