What Can We Help You Protect?
Insurance isn't one-size-fits-all.
What makes sense for a family protecting a home and two vehicles can be very different from what a business owner needs to protect employees, property, equipment and company vehicles.
At Baer Insurance Solutions, Berek starts by understanding what you've worked hard to build—and what you want to protect.
Whether it's your business, your home, your vehicles or your personal assets, the conversation starts with you.
Business Insurance
You Built It. Let's Help Protect It.
Running a business comes with enough decisions. Understanding your insurance shouldn't have to be one of the complicated ones.
Berek works with business owners to understand their operations, identify potential risks and explore commercial insurance solutions that fit the way they actually do business.
Commercial Insurance Solutions
Business Owners Policy (BOP)
A BOP can combine several important business coverages into one policy. Berek can help determine whether this type of coverage makes sense for your operation.
General Liability
Protection designed for liability exposures that can arise from everyday business operations.
Commercial Property
Coverage options designed to help protect buildings, equipment, inventory and other business property.
Commercial Auto
If your business owns or operates vehicles, personal auto insurance may not provide the protection you need. Berek can help explore commercial auto options based on how those vehicles are used.
Workers' Compensation
Coverage designed to help businesses address work-related employee injuries and illnesses, subject to policy terms and applicable requirements.
Your business is more than a policy.
It's your livelihood. Your employees. Your customers. Your equipment. Your reputation. And often, years of hard work.
Let's start by talking about how your business operates and what you need to protect.
Homeowners Insurance
Protecting What Matters Most in Oklahoma
Your home may be one of the largest investments you'll ever make—but it's also much more than an investment.
It's home.
Here in Oklahoma, homeowners understand that severe weather can become very real, very quickly.
That's why Berek believes homeowners should understand more than simply the price of their policy. They should understand what they're buying and how their coverage is designed to respond.
Talk with Berek about important coverage considerations such as:
Wind & Hail
Oklahoma weather makes understanding wind and hail protection especially important.
Tornado
Know how your homeowners coverage addresses damage caused by severe storms and tornadoes.
Roof Coverage
Not all roof coverage works the same way. Age, condition, deductibles and policy provisions can matter.
Replacement Cost
Understand how your policy approaches the cost of repairing or replacing covered property after a loss.
Water Backup
A standard homeowners policy may not address every type of water-related loss. Ask Berek about available options.
Flood
Flood coverage is generally separate from standard homeowners insurance. Berek can help you explore available options.
High-Value Homes
Homes with higher values, unique features or significant personal property may require a more individualized conversation.
Rental Properties
If you own a home you're renting to someone else, your insurance needs can be different from those of a traditional homeowner.
Don't wait for a storm to discover what your policy says.
Auto Insurance
Coverage for the Road Ahead.
Your vehicles are part of everyday life—getting to work, taking the kids to school, running errands, traveling and simply getting where you need to go.
Auto insurance should be about more than finding a number that looks good on a quote.
Berek can help you look at available options and better understand important considerations such as liability protection, physical damage coverage, deductibles and other available protections.
The goal isn't to make insurance complicated.
It's to help you understand what you're buying before you need to use it.
Personal Umbrella Insurance
An Extra Layer of Protection.
Your home and auto policies provide important liability protection, but there are situations where a serious claim could exceed those underlying limits.
That's where Personal Umbrella Insurance may come into the conversation.
An umbrella policy can provide additional liability protection above certain underlying policies, subject to policy terms, limits and eligibility.
For some families and individuals—particularly those with assets they've worked hard to build—it's worth asking whether this additional layer of protection makes sense.
More Than One Insurance Need?
Good. Let's Look at the Bigger Picture.
Maybe you're a homeowner who also owns a business.
Maybe you have multiple vehicles, a rental property or additional personal assets you'd like to protect.
Or maybe you simply aren't sure whether your current insurance still fits your life.
You don't have to figure that out before contacting Berek.
That's why we start with a conversation.
Tell Berek what you have, what's important to you and what concerns you about your current insurance.
Then let's explore the available solutions.
Personal Service. Resources Behind It.
Baer Insurance Solutions combines Berek's personal, relationship-driven approach with independent insurance resources for a broad range of personal and commercial insurance needs.
You get a person you know—with resources behind him.
Baer Insurance Solutions LLC works with Agents of The Insurance Center Agency.
Not Sure What You Need?
Start with a Conversation.
You don't need to know insurance terminology.
You don't need to know what policy to ask for.
And you don't need to fill out a giant online application just to have a conversation.
Tell Berek what you're trying to protect. He'll start by listening.
No pressure. No obligation. Just a straightforward conversation about what you need and what your options are.