Specialty Programs

Ayres-Oak Insurance Services is your most trusted choice for custom specialty insurance solutions. We have been providing quality insurance programs for over 20 years. Our team is constantly looking for ways to improve our insurance solutions, ensuring we stay ahead of the curve as an industry leader with coverage that is responsive to your needs.

Our current niche markets include;

Agribusiness Insurance
Agri-business insurance from Ayres-Oak Insurance Services represents agri-business insurance carriers that insure domestic and international shipments of livestock, genetic material, and general ag commodities. Ayres represents carriers offering a wide range of worker’s compensation insurance options, including options for self-funded plans and employers with large employee numbers and high work comp premiums.

Greenhouse, Nurseries and Horticulture
Whether you are a greenhouse grower, nursery, or retail garden center, Ayres-Oak Insurance Services recognizes that your greenhouse business faces unique risks. We can offer an insurance program tailored to meet the specific needs of the greenhouse industry. Our agency brings over 25 years of expertise in writing insurance for the greenhouse and nursery business.

As a farm owner, you have a great interest in protecting your property which serves as a home and a business. Whether you are a full-time farmer or farm as a hobby or specialized farmer, Ayres-Oak Insurance Services can offer a comprehensive farm owners package that is flexible to your specific farming needs.

Craft Brewing
The Craft Brewing industry is one of the fastest-growing industries in the nation. Ayres-Oak Insurance Services can provide a unique insurance program just as unique as your craft beer recipes. Whether you are a craft brewery, brewpub, or restaurant, many of our coverages are designed to address the specific exposures faced by breweries. Let our expertise and commitment to this fast-growing industry help you with your insurance needs

Winery Insurance
The wine industry is growing and along with the increasing popularity and sales of this industry comes an increasing need for an expert to be able to create an insurance program that is right for your specific needs. Whether you are a winery, vineyard, or retail outlet, let the experts at Ayres-Oak Insurance Services design an insurance package that is right for your unique business.

Moving and Storage Contractors
Residential Moving (House-to-House)
Corporate Moves (Office-to-Office)
Specialized Handling Moves
Records Storage and Destruction
It’s your job to safely store, transport, or relocate materials and valuables for your customers. It’s our job to make sure you’re protected in the process.

Self Insured Worker’s Compensation
Self-Insured Workers’ Compensation Funds help members control their long-term worker’s compensation costs. Owned and operated by members, these funds provide the same protection as an insurance company. Each fund has industry-specific claims management and lower expenses which in turn allows surplus money not used to pay claims and expenses to be returned to its members.

Home Healthcare
Because there is no place like home, your clients prefer to receive health care assistance in their homes and they trust you to provide it. Whether you are providing skilled medical care, rehabilitative or therapeutic services, home care services or a combination all, The Ayres Group can customize your insurance program to fit your unique needs allowing you the freedom to focus on what you do best, caring for your patient.

Medicare Supplements
Health care will likely be your second largest expense in retirement. Today, on average, a couple can expect to pay roughly $220,000 on out-of-pocket health care costs throughout retirement. With Medicare only covering about 62% of health care costs on average, you are left paying a large portion of out-of-pocket expenses if you don’t have the right coverage.

Protecting owner-operators and motor carriers on and off the road.
At The Ayres Group, we know transportation insurance. Whether you are a single owner-operator or a large fleet, we have specialty insurance programs designed with you in mind.