WHAT WE DO

Dethloff & Associates, Inc. has been serving the insurance market since 1921. We are built on the principles of building relationships, navigating risk, and serving others. By providing superior customer service and quality insurance solutions for our customers, everyone wins. As an independent agency, we offer custom tailored insurance programs to meet each customers unique needs.

We are dedicated to placing you with the best insurance carrier to protect you, your family, and your business. 

PERSONAL LINES INSURANCE

AUTO
Compulsory Auto Policy Coverage
  • Bodily Injury to Others
  • Bodily Injury Caused by Uninsured Auto
  • Damage to Someone Else's Property
Optional Coverages
  • Increased limits Bodily Injury to Others
  • Medical Payments
  • Collision
  • Substitute Transportation
  • Towing and Labor
  • Increased limits for Bodily Injury Caused by an Uninsured/Underinsured Auto
  • Damage to your auto other than Collision
HOME
Basic Protection You Need For
  • Your home
  • Other buildings or structures on your property
  • Your personal belongings - furniture, clothing, appliances, etc.
  • Additional living expenses
  • Your personal legal liability
Special features you can choose for additional security
  • Home Replacement Guarantee
  • Replacement Cost on Contents
  • Additional Coverage Forms
  • Specific coverage for your valuables - Jewelry, Guns, Silver, etc.
  • Backup of Water and Sewer
MOTORCYCLE
Required Coverages
  • Property Damage Liability
  • Bodily Injury Liability
  • Uninsured/Underinsured Motorist Coverage
Optional Coverages
  • Custom Parts and Equipment (CPE)
  • Roadside Assistance
  • Passenger Liability Coverage
  • Comprehensive
  • Collision Coverage
  • Medical Payments
RENTERS • UMBRELLA • WATERCRAFT • RV/MOTORHOMES • SCHEDULED PROPERTY (INLAND MARINE)

COMMERCIAL LINES INSURANCE

CYBER LIABILITY
  • Network Failure
  • Dependent Business Income
  • Wrongful Collection
  • Broad Media
  • E-Theft and Social Engineering
  • Reputational Harm
  • Voluntary Shutdown
  • Payment Card Industry (PCI)

Cyberattacks are some of our most vulnerable threats and every business is at risk. Whether you are a small business or a large corporation, our carriers have the capabilities to meet your ever changing cyber needs.
PROPERTY INSURANCE
Property Insurance covers the risk of property loss in a variety of commercial situations, including commercial buildings, equipment, furniture, fixtures, inventories, business records, supplies and other physical items.

Property Insurance may cover two types of property losses:
  • Direct losses may be covered when property is lost, stolen, damaged or destroyed.
  • Indirect or consequential losses related to direct losses may also be covered.
GENERAL COMMERCIAL LIABILITY INSURANCE
Casualty Insurance consists primarily of liability coverages, which protect an insured party against injury or damage claims made by other parties.

Policies provide coverage for liability arising out of:
  • Premises and Operation
  • Fire Damage Liability (damage by fire to premises rented to insured)
  • Personal and Advertising Injury
  • Medical Payments
  • Products/Completed Operations

You may want to consider a Business Owners Package which combines your Liability, Property, and other types of coverage into one comprehensive policy, and which can help you save time and money on your total insurance program. And since we live in an age of million-dollar lawsuits, you may also want to add extra liability protection in the form of a Commercial Umbrella Policy. We can tell you more about these plans and if they make sense for you.
BUSINESS AUTO INSURANCE
Business Auto coverage insures vehicles that are owned, leased, hired or borrowed by businesses, whether they are associations, corporations, partnerships or sole proprietorships. Business Auto coverage may be used to insure private passenger autos and all types of trucks, trailers, semitrailers and commercial vehicles designed for use on public roads. We can give you more details about specific coverages and deductibles and about tailoring a Business Auto plan that's right for you and your business.
WORKERS' COMPENSATION
Workers' Compensation coverage applies to bodily injury and diseases arising out of and in the course of employment. Any bodily injury must be accidental, and the term includes death resulting from the accident. Only occupational diseases, which are unique to the occupation, are covered.

Workers' Compensation provides for the payment of four types of benefits
  • Medical benefits
  • Income benefits
  • Death benefits
  • Rehabilitation benefits

A representative can provide you with complete details on Workers' Compensation Insurance and recommend cost-effective ways to control expenses through safety engineering and claim services.
SPECIALTY
OIL & GAS • MANUFACTURING • RESTAURANTS • WATER AND SEWAGE DISTRICTS • AUTO DEALERS • SURETY BONDS