Lin, Michelle Advisor

read moreAt Red Wave Insurance Services our goal is to get you the best deal on insurance while covering all of your assets. We understand each clients' needs are different, so we take the time to get to know you and your needs. We believe in creating lasting relationships with our clients, large or small, so you can be confident we have your best interest in mind. Whether you are shopping for auto insurance, home insurance, recreational vehicle insurance, rental/landlord insurance, or commercial/business insurance, we can help get you the best coverage for your situation, with the most competitive rate possible.

read moreErrors and omissions (E&O) insurance (sometimes called professional liability), is most often used by professional consultants, various brokers and agents, including notaries public, real estate brokers, insurance agents, appraisers, management consultants and information technology service providers architects, landscape architects, engineers, attorneys, and other types of specialties. Errors and omissions coverage protects the client against financial harm to another can occur in almost any transaction in many professions.

read moreCyber Liability covers a business' liability for a data breach in which the firm's customers' personal information is exposed or stolen by a hacker or other criminal who has gained access to the firm's electronic network. Cyber-attacks are not limited to large business. Many small and medium size business are also being attacked. Cyber policies provide many levels of coverage and you should discuss your needs with your local Insurance Centers agent.

read moreRed Wave Insurance Services's personal lines specialist's will take your information, and will provide you with rates from multiple top rated independent insurance companies. We listen to your needs and find the best combination of price and coverage. We explain the different options and coverage, so you can make the best decision on which plan works best for you.

read moreA crime insurance policy that is designed to meet the needs of organizations other than financial institutions (such as banks). Employee dishonesty coverage sometimes referred to as fidelity coverage provides coverage for employee theft of money, securities, or property. Forgery or alteration coverage provides coverage for loss due to dishonesty in writing, signing, or altering checks, bank drafts, and other financial instruments. Computer fraud coverage, sometimes called funds transfer fraud coverage, covers against theft of money, securities, or property by using a computer to transfer covered property from the insured's premises or bank to another person or place.

read moreThe home policy is a package policy that combines two separate coverages (property and liability insurance) into a single policy. So, if the home suffers a fire loss, for example, the home policy provides coverage for the fire damage. In addition, if a guest falls down the stairs of the home and sues the owner, the home policy provides liability coverage including any defense costs. To be eligible for a home policy the owner must reside in the home. Most home policies are written on an open peril or all-risk basis.

read moreSurety bonds are a promise by a surety company to pay one party, the project owner, often called the obiligee, a certain amount if a second party, the contractor/business owner often called the principle, fails to fulfill the terms of a contract between the two parties. The bond protects the obligee against losses resulting from the principal's failure to meet the obligation or contract terms. License & Permit Bonds protect customers by guaranteeing the business will comply to the laws and other regulations enforced by the federal, state or local governmental agency.

read moreInland marine coverage typically covers property in transit over land. Typically, inland marine coverage forms provide coverage without regard to the location of the covered property; these are sometimes called "floater" policies. Inland marine coverage forms are generally broader than property coverage forms. Cargo insurance covers property against all risks of physical loss or damage to freight from any external cause during shipping from one location to another, in specific vehicles you own.