Wayne Lilly Insurance

“Value Without Sacrifice”

As an independent agent with F&M Insurance Group, I will shop our many highly-rated insurance companies to seek the best value for your policies.  I will also be a trusted advisor to help you make the best decisions for your family or  business.

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Homeowners Insurance

Homeowners insurance is a package policy. This means that it covers both damage to property and liability or legal responsibility for any injuries and property damage policyholders or their families cause to other people. This may include damage caused by household pets.

• Homeowners

• Condo

• Renters

• Vacant Dwelling

• Tenant Dwelling

• Flood

• Personal Umbrella

Auto Insurance

Commercial Insurance

 As a business owner, you have enough on your mind without having to worry about your insurance needs. You want to have the confidence that the business you've built is covered by a company that understands your business insurance needs.

Commercial business insurance provides wide-ranging protection for businesses and their subsidiaries under a single policy. There are various types of commercial business insurance that take care of property, liability and workers' compensation, to name a few. While property insurance covers damages to business property and products stored within the premises; liability insurance provides coverage for damages to third parties; and workers' compensation insurance covers injuries to employees.

Commercial business insurance is an important aspect of any business that cannot be ignored especially if the business premises are leased or rented and even otherwise. Whatever your commercial insurance needs, we can design a protection program that's right for you.

Wayne Lilly Insurance provides the following types of business insurance protection:

Property 
Property insurance protects tangible and intangible property such as buildings, office equipment, stock, copyrights, and loss of use of property due to a loss.

Liability
Liability insurance protects your legal responsibility for losses for which your company is responsible. These losses include such things as a slip and fall on your property or a product you create that injures someone. Another common term for liability is casualty.

Business Auto
Business auto insurance provides coverage for a land motor vehicle such as a car, truck, or trailer which could cause or incur damage.

Workers' Compensation 
Workers' Compensation insurance is employer-purchased coverage to pay for medical expenses, lost wages, and/or death benefits for employees who suffer a work-related injury or illness.

Crime
Crime coverage protects a business from losses caused by theft, robbery, or burglary of real property and monies and securities, both on and off the business property.

Mobile Equipment
Mobile equipment insurance covers land vehicles or machinery, such as those used in construction or industry, not licensed or designed for road use. Fork lifts and bulldozers are both examples of mobile equipment.

Business Umbrella
Business Umbrella coverage is designed to protect a business by increasing the primary limits of liability coverage. This “umbrella” generally extends coverage over automobiles, general liability, and employer’s liability.

Surety Bonds 
Surety bonds are not insurance. Rather, they're agreements that provide monetary compensation to a third party if there's a failure to perform specific acts by the insured party within a stated period of time.

E&O (Errors and Omissions)
E&O insurance protects against loss due to a claim of a negligent act, error, or omission by the insured party.

EPLI (Employment Practices Liability Insurance)
EPLI insurance protects a corporation, directors and officers, and employees for claims resulting from wrongful termination, discrimination, sexual harassment, wrongful discipline, and failure to employ or promote.

D&O (Directors and Officers)
D&O insurance provides liability coverage for wrongful acts of a board of directors of either a corporation or non-profit group.