Ayres Brackfield Insurance
Since 1992, Ayres Brackfield Insurance (ABI) has been dedicated to providing the right insurance solutions for families and businesses. Our agency has since grown to serve 18 US states, all with the same personalized service approach.
As an experienced and established agency, ABI has access to many different carriers. We build strong relationships with our carriers so that you know you will get the best coverage.
We also take a consultative approach to the insurance and risk management market. Because here at ABI, we want to make sure you fully understand your coverage before we do anything else. While we will always get you the best price, we want you to understand your coverage first.
The Advantage of an Independent Agency Working for You
What makes our agency different?
- We represent multiple insurance companies.
- We are licensed insurance advisors.
- We are by your side every step of the way.
- We offer a wide variety of insurance solutions.
- We are there for you in your time of need.
We want to make sure you fully understand your coverage to find a solution that best fits your needs.
We build strong relationships with our carriers so that you know you will get the best coverage.
We have grown to serve over 18 US states, providing the same quality level of service when and where you need it.
Click it. Read it. Cover it.
Get a glimpse of the risks you face and how your insurance can protect what matters most.
Property Damage Liability
You can be held responsible if you significantly damage another vehicle and/or property. Do you have enough coverage to protect yourself from the risk?
Your standard auto policy limit could easily be exhausted if you are found to be at fault. An umbrella or excess liability policy provides an extra layer of protection once your standard liability limits are exhausted. It’s a cost-effective way to ensure the peace of mind you deserve.
Bodily Injury Liability
It’s easy to get distracted while driving. All it takes is an incoming text message, a fussy baby, or changing the radio station and your eyes are off the road long enough to crash into a pedestrian, bicycle, or another vehicle. As an owner/operator of the vehicle, you may be held financially responsible for any bodily injuries caused as a result of the accident.
An umbrella or excess liability policy helps extend your coverage to better protect you against these significant costs. It’s the ideal coverage to provide peace of mind, even when the unthinkable happens.
You invite guests over for a pool party and one of your guests dives into the shallow end of the pool and is permanently injured. They hire a lawyer to represent them and after a long legal battle, you and your family are left financially responsible for their injuries. Do you have enough money in savings to cover your legal responsibilities as well as the legal defense costs?
An umbrella or excess liability policy increases your personal liability limits by adding protection over and above your current auto, boat, or homeowners policies - providing real financial value, as well as priceless peace of mind. Excess liability insurance is available either by an endorsement to your homeowners policy or available as separate coverage.
Accidents can happen to anyone at any time, even those who have been out on the water for years. Personal watercraft insurance is a necessity, but sometimes the limit these policies provide isn't enough.
Your standard watercraft policy limit could easily be exhausted if you are found to be at fault for property damage or personal injury. An umbrella or excess liability policy can extend those limits, providing you an additional layer of financial protection.
Umbrella Insurance 101
Make sure you cover the unique risks you face with umbrella insurance.
- Click on the hotspots.
- Discover your risks.
- Get the right coverage.