Your Shield of Independence,
Your Peace of Mind.

Your Shield of Independence,
Your Peace of Mind.

Your Shield of Independence,
Your Peace of Mind.

Your Shield of Independence,
Your Peace of Mind.

Personal Lines

Auto

We offer a variety of Auto Coverage including Collision, Comprehensive, Bodily Injury, Property/Physical Damage, Towing & Labor, and Rental Reimbursement.

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Home

Shield the roof over your head with our Homeowners Policies that can protect you and your loved ones from unforeseen events like theft, fire, or natural disasters, ensuring your personal and financial security.

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Life

Life Insurance secures your family's financial future by covering end-of-life costs, preventing debt, and offering peace of mind.

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Renters

We offer comprehensive protection to provide assistance in the event of damaged personal belongings, injuries for guests, and additional living expenses if the dwelling becomes uninhabitable due to a covered event.

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Landlord

Protect your rental properties as opposed to your possessions. We also cover extensive loss of use and liability coverage for your rental property appliances used by tenants.

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Condo

We offer coverage for personal property, liability claims, the unit, additional living expenses, and valuables.

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Commercial Lines

Auto

For businesses utilizing or owning motor vehicles, PPCL provides essential Commercial Auto Insurance encompassing Liability, Uninsured/Underinsured Motorist, and Physical Damage coverage to safeguard against potential losses.

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Property

Commercial Property Insurance is vital for your business, protecting your business from minor disruptions to catastrophic losses for ALL business types.

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General Liability

Shield your business from claims made against your business due to bodily injury or property damage. You can count on PPCL to provide a variety of solutions that work best for YOU.

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Professional Liability

If your business provides services, this is essential. PPCL offers protection from lawsuits, claims, even if no errors were made.

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Business Owners Policy

Discover our tailor-made insurance solutions thoughtfully crafted to perfectly suit your business needs and ensure comprehensive protection. We offer a diverse array of coverage options to accommodate you.

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Umbrella

Just like an umbrella on a rainy day, this policy can provide an extra layer of protection from the unwanted. If you feel your current liability coverage falls short, reach out to us for extra support.

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Other

Pet

Pet insurance can be the key to unlock the best wellbeing for your beloved pet. Reduce the financial burden with our medical and wellness coverages.

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Industries We Specialize In

  • Accounting Services
  • Barber shops
  • Beauty
  • Dentists
  • Food and Beverage
  • Independent Contractors
  • Legal Services
  • Medical Offices
  • Photographers
  • Professional Firms
  • Real Estate Agents
  • Retailers
  • Car Wash
  • Medical Spas
  • Lawn Care
  • Mechanics

Personal Lines

Auto

Automobile Insurance provides coverage for Bodily Injury and Property Damage Liability to others, as well as Physical Damage Coverage for your vehicle.

  • Bodily Injury Liability provides coverage as described in your policy if an automobile accident injures other drivers, pedestrians and/or passengers. It also covers legal defense costs associated with these claims.
  • Property Damage Liability coverage provides protection as described in your policy for automobile accidents that damage the property of others. It also covers legal defense costs associated with these claims.
  • Uninsured and/or Underinsured Motorist coverages protect as described in your policy you and your family from the cost of an injury in an automobile accident caused by an uninsured or under-insured motorist.

Optional automobile coverages are Collision Coverage, Other Than Collision (Comprehensive) Coverage, Towing & Labor Coverage, and Rental Reimbursement Coverage.

  • Collision Coverage will cover repair costs from damage caused by an impact with another vehicle or object or the upset of your vehicle.
  • Other Than Collision (Comprehensive) coverage will cover fire, theft, vandalism, glass breakage and other perils.
  • Towing and Labor coverage provides coverage in the event your car is disabled.
  • Rental Reimbursement coverage will pay for a rental car following a covered loss to your car.

Standard and Non-Standard Auto coverage is available.

Personal Lines

Home

Homeowners Insurance policies provide protection for your home and:

  • Garages and other buildings on your property
  • Household and personal possessions on your property, or anywhere in the world
  • Additional living expenses, if you are unable to live in your home because of a covered loss
  • Personal liability coverage as described in your policy when an accident causes injury to others
  • Medical payments, paid to others who are accidentally injured on your property

Personal Lines

Life

Most people are either underinsured by having just enough insurance to bury them. They're not prepared to position their families for a better financial future. Life insurance is a vehicle that can help to take the burden off your loved ones.

Life insurance will cover end-of-life expenses, avoid debt and financial strain, help your family move forward and secure peace of mind.

The life insurance products that we offer are Whole Life, Term Life, Universal Life Whole Life Insurance is permanent coverage providing some peace of mind for end-of-life expenses and builds cash value over time.

Term Life Insurance is budget-friendly coverage that replaces your lost income in the event of an unexpected loss of life. Term Life lasts for a specific amount of time, normally 10, 20, or 30 years, and the premium never increases.

Universal Life Insurance provides lifetime coverage. It allows the option to adjust the premium and death benefit up or down. Additionally, it accumulates cash value on a tax deferred basis. Some Universal Life Insurance policies even provide living benefits to cover if you are critically ill or injured.

Personal Lines

Renters

Renters insurance protects your personal belongings, you if you’re held legally responsible for injuries to another person or guest while they’re visiting your home, and covers additional living expenses if you home becomes unlivable due to a covered event.

Renters insurance may or may not be required while renting someone else's property.

Personal Lines

Landlord

Landlord Insurance covers the protection of your rental properties, specifically the “dwelling” (the structure of the property) as opposed to your possessions, which are covered by Homeowners or Renters Insurance.

Landlord Insurance also offers extensive loss of use and liability coverage for your residential rental property including items such as microwaves, refrigerators, and washer and dryers being used by your tenants.

Personal Lines

Condo

Condo insurance is purchased by the owner of a condo unit and covers repairs to their unit and its common areas, and personal belongings stolen or damaged by a covered cause of loss.

Condo insurance covers personal property, liability claims, the unit, additional living expenses, and some valuables.

Commercial Lines

Auto

If your business uses owns or uses motor vehicles during its operation, your business need commercial auto insurance. PPCL offers the liability and physical damage coverage needed to protect against covered losses for most businesses.

The coverages are Liability, Uninsured Motorist, Underinsured Motorist, and Physical Damages.

Commercial Lines

Property

Commercial Property Insurance is an absolute necessity for a business to be protected against losses ranging from minor operations disruptions to catastrophic financial losses. Commercial Property Insurance covers those items that you count on to support your day to day business operations. A business's commercial property protection can cover business property you rent or own, office furniture office equipment, fixtures, inventory and more.

PPCL offers coverage to small and large businesses.

Commercial Lines

General Liability

Commercial General Liability (CGL) protects your business from claims made against your business by someone due to bodily injury or property damage. During the course of operations, your business encounters many people who may claim that they were caused bodily injury or property damage by your business at any given moment. You can count on PPCL to provide a variety of general liability solutions to protect against these types of claims. Bodily injury or property damage claims can arise while someone is on your business premises, while your employees engage in their work duties, or while using your product.

Commercial Lines

Professional Liability

Professional liability policies protects your business against lawsuits and claims related to professional errors and/or omissions. Professional liability protects your business against claims made even if you have not made a mistake.

You or your business needs a Professional Liability policy if you provide a professional service,
you regularly advise your clients, or if your customer requires that you have a policy to fulfill the requirements of a contract.

Commercial Lines

Business Owners Policy

A Businessowners Insurance Program (BOP) is a prepackaged policy designed to meet your unique business insurance needs and protection. It provides property coverage for your building, its contents, and liability coverage for legal liability exposures specific to your business.

BOP also protects against loss of business income due to a covered event and mechanical equipment breakdown that results in the interruption of business operations.

Coverage is available for many small to medium size businesses.

Commercial Lines

Umbrella

Umbrella insurance provides an additional layer of personal liability protection on top of your liability insurance when your primary insurance coverage is not enough.

A personal umbrella policy begins where damages for covered claims could exceed the underlying policy limits. To avoid endangering your assets or future income because you could be responsible for paying costs above your primary policy limit, an umbrella policy is worth the investment.

Other

Pet

Pet Insurance can be the key to getting the best veterinary care available for your dog or cat when they need it by reducing the financial burden of unexpected medical costs due to illness or injuries. Preventive care options could help you stay ahead of any potential issues.

As long as your dog or cat is at least eight weeks old, your pet is eligible to be enrolled in Pet Insurance.

Policy medical coverage includes:

  • Accidental injuries (including to permanent teeth)
  • Euthanasia or anesthesia
  • Cremation & burial expenses
  • Ingestion of a foreign object
  • Accidental death
  • Illnesses (e.g., cancer, influenza, and kennel cough)
  • Alternative medicine
  • Behavioral therapy
  • Hereditary and congenital conditions

Wellness coverage includes:

  • Wellness exams
  • Intestinal deworming
  • Routine dental cleaning
  • Flea and tick prevention
  • Heartworm tests & medication
  • Dietary food & supplements
  • Prescription medications
  • Booster shots & vaccinations

Providing Peace of Mind

Pryor Property Casualty and Life agency's primary focus is to provide the peace of mind that insurance protection provides for your possessions, business, and your family. Individuals and businesses suffer untimely losses every moment of the day. Our mission is to make sure that you are prepared if the unthinkable happens.

The continued growth and success of our agency will be reflected by our customer's confidence in Pryor Property Casualty and Life's ability to educate, provide competitive rates, and impeccable customer service.

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