Give us a call and we’ll give you more information on all the many products and discounts our agency offers, whether it’s Auto, Home, Business, Life or Health insurance. Let our knowledge work for you and/or your business when you need it!
Contact us today for a free insurance quote!
ABOUT BRAD DERBY AGENCY
The Brad Derby Agency is dedicated to being the right choice for Auto, Home, Life & Business insurance Needs. As your personal, local agent, you have my commitment that we’ll help you develop the coverage that’s right for your life – at a price that has great value for your insurance dollar. Our agency is located is Rapid City and we are proud to service all of South Dakota!!! For those with property on multiple states, we are also licensed in North Dakota, Iowa, Minnesota, Nebraska, Montana, Wyoming, and Arizona! Give us a call and we’ll give you more information on all the many products and discounts our agency offers, whether it’s Auto, Home, Business, Life, Classic Car, Recreational Vehicles or Health insurance, Let our knowledge work for you and/or your business when you need it!
Proud to serve all of South Dakota!
THE BRAD DERBY AGENCY TEAM
Whether it’s planning for life events or preparing for the unexpected, our knowledge and training provides our agency with the ability to make sure you get superior, personalized and professional customer service.
This is an often misinterpreted term, and doesn’t refer to a policy that covers “everything.” Instead, full coverage typically refers to a policy that includes both liability coverage and coverage for damage to your property. Your Auto insurance Policy Declaration page lists the coverage you have selected, and a Brad Derby agent can help you select Auto insurance coverage that fits your needs and budget.
Car rental companies charge daily fees for their own insurance to damages in your rental agreement. However, it is possible that your current auto policy provides rental car coverage. This typically varies by state though, so check your policy or call our office for more details.
Lawsuits have become commonplace in today’s world, and more and more we’re seeing larger awarded sums than ever before. In fact, in 2013 over 60,000 injury cases appeared in U.S. courts, each averaging $60,000 in payouts! To help protect your hard earned assets, you maintain liability coverage with property insurance like auto and homeowners. These policies have limits though, and with increasing frequency, lawsuit awards are exceeding these limits. That’s where Brad Derby Agency Liability Umbrella insurance comes in. An umbrella policy is an extra layer of liability coverage, designed to go above and beyond the coverage of your other insurance policies. If you’re ever sued for damages, and the verdict exceeds even the highest limits on your existing property coverage, an umbrella policy kicks in to cover the additional expenses so you don’t have to put your savings, your home, and your business at risk.
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