As an independent broker, Royalty Advisors places coverage with A-rated carriers across personal, commercial, and high-net-worth lines. One advisor, the full market, and a program built for what you actually own and do.
From a starter auto policy to a multi-property household with collections and complex liability, we structure the right combination of carriers and limits.
Homeowners, condominium, renters, and dwelling-fire policies for owner-occupied and tenant-occupied homes. We default to guaranteed or extended replacement-cost coverage on the dwelling, written-in coverage for water back-up and service-line failure, and adequate ordinance-or-law limits — three places where standard policies quietly leave gaps. Personal property is reviewed for special-class items like jewelry, firearms, and tools so you are not surprised at claim time. We also coordinate the home limits with your umbrella so liability lines up cleanly.
Quote home insurance →Personal auto for daily drivers, plus agreed-value programs for classic and collector cars, motorcycles, side-by-sides, RVs, and travel trailers. We pay close attention to bodily-injury and uninsured-motorist limits — Indiana state minimums are not enough for most households — and we make sure household drivers, permitted teens, and regularly used vehicles are listed correctly so claims are never disputed for misclassification. Multi-vehicle and multi-policy discounts are applied automatically when a carrier supports them.
Quote auto insurance →A personal umbrella sits above your home and auto liability, adding one to ten million dollars of additional protection for a few hundred dollars a year. For most Southern Indiana families with a home, two cars, and a teen driver, we recommend at least one million in umbrella coverage. Households with rental properties, pools, boats, board service, or significant net worth typically need more. We size the umbrella to the assets and income at risk, and confirm that the underlying home and auto limits meet the umbrella's required floor.
Quote umbrella coverage →Term, whole, and indexed universal life — written to a specific job. Term covers a defined obligation: a mortgage, a child's education, the working years of a primary earner. Permanent policies are useful when there is a lifelong need, an estate-planning role, or a desire for tax-advantaged cash value. We start with the obligation, then choose the structure. We also review existing policies on request: in-force illustrations, beneficiary audits, and replacement analysis where it actually makes sense for the client.
Quote life insurance →Your income is the engine behind every other plan you make. Short-term disability replaces a portion of pay during recoveries that last weeks to a few months. Long-term disability handles serious injuries and illnesses that keep you out of work for years. We pay attention to the definition of disability — own-occupation versus any-occupation — because it changes whether the policy actually pays for a physician, surgeon, business owner, or skilled tradesperson. Group coverage through an employer often needs an individual policy layered on top.
Quote disability coverage →Households with significant assets are underserved by standard mass-market carriers. We place coverage with specialty private-client carriers that are built for this segment: agreed-value home and auto, broader contents protection, cash-settlement options after a total loss, blanket jewelry and fine-art scheduling, multi-property programs, watercraft, classic-car portfolios, and domestic-employee liability. Limits, deductibles, and risk-management services (water-leak detection, wildfire response) are coordinated across every property and policy so the household has a single, consistent program.
Discuss a private client program →Builders, developers, landlords, trades, professional practices. We write the operating coverage and the personal coverage of the people who own the company, so the program is consistent end to end.
Programs for developers managing portfolios at the entity level: master property and general liability across multiple LLCs, owner-controlled programs on larger projects, environmental coverage for redevelopment sites, and coordinated additional-insured language for lenders, partners, and contractors. We write each new project into the same carrier relationship where possible so renewals are simple and the certificate workflow is predictable. Lender requirements are reviewed line-by-line before binding to avoid funding delays.
Quote a development program →General contractor and construction-manager coverage: general liability with the right exclusions reviewed (residential, EIFS, subsidence), commercial auto for fleet and on-site vehicles, inland marine for tools and contractors equipment, pollution liability, and excess layers above primary GL. Subcontractor risk is the largest driver of premium swings — we help establish a sub qualification process and review additional-insured endorsement language so transferred risk actually transfers, instead of falling back on your policy.
Quote construction coverage →Single-family, small multifamily, and short-term-rental coverage for landlords. We use dwelling-fire policies for long-term rentals and dedicated short-term rental forms for properties listed on platforms like Airbnb and Vrbo, so commercial use is not excluded the moment a guest checks in. Loss-of-rents, ordinance-or-law, and tenant-discrimination coverage are reviewed by default. Larger portfolios move to a master commercial program with a single renewal date and a schedule of locations rather than separate policies per house.
Quote rental property coverage →Plumbers, electricians, HVAC, roofers, landscapers, excavators, drywall and paint, septic and well, concrete and masonry — the trades that keep Southern Indiana running. We write the general liability, commercial auto, inland marine, and workers comp as one program where the carrier supports it, which usually saves money and reduces the number of audits. Certificate-of-insurance requests for general contractors and homeowners are turned around same-day with the right additional-insured language already on file.
Quote contractor coverage →Course-of-construction coverage for new builds, ground-up commercial, major renovations, and additions. The policy protects the structure, materials on site, materials in transit, and (when added) soft costs like architectural fees, lender interest, and lost rents during a delay. We write builders risk for owners, general contractors, or developers depending on who has insurable interest, and we extend the term properly when a project runs long so coverage does not expire mid-build. Theft and water damage are the two most common claims.
Quote builders risk →Indiana statutory workers compensation, written across most class codes including construction, trades, manufacturing, retail, hospitality, and professional offices. Premium is driven by class code, payroll, and your experience modifier — and all three are routinely wrong. We audit your classifications, sit in on the carrier's annual audit when it helps, and challenge experience-mod calculations when the data does not match what actually happened on the loss. Pay-as-you-go billing is available with most carriers to smooth cash flow.
Quote workers comp →A Business Owners Policy bundles property and general liability for small and mid-sized businesses — retail, professional services, restaurants, light manufacturing, offices. It is usually the right starting point for a single-location business, with cyber, equipment breakdown, employment-practices liability, and hired-and-non-owned auto added on as needed. As a business grows past the BOP eligibility threshold, we step it up to a package or monoline structure without losing the coverage you already had in place.
Quote a BOP →For independent physicians, group practices, and surgical specialists we place medical professional liability (claims-made with appropriate tail coverage), the practice's property and general liability, cyber and HIPAA response, employment-practices liability, and workers comp — and then we coordinate the personal side: home, auto, umbrella sized for the household's exposure, individual disability with own-occupation language, and life policies appropriate to the practice income. The practice and the physician's household read like one program, because they are.
Discuss a physician program →Three ways to begin — pick what works for you. We'll handle the rest.