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Call a Fulwiler Specialist today to learn more.

Toll free at 800.735.8325 for more information.


Despite the economic shocks of the past few years, many people are still holding valuable assets that may not be adequately insured. Perhaps you haven’t wanted to assess your assets for fear that they’ve gone down in value. We can help you review all of your assets and your exposures to loss. We will then create a personalized insurance solution designed specifically for you that is also cost effective.

Our professional JD Fulwiler staff has the expertise to help you manage your risks, recommend a broad selection of coverage options, and be your advocate in the event of a claim.

Auto, Motorcycle, & RV Insurance

Insuring a high-value car or an appreciating antique is not like insuring a family sedan. Likewise, motorcycle riding carries risks and exposures not common to driving a car. And you can have liabilities with a motor home that you don’t have with other vehicles.

Our JD Fulwiler specialists can help make sure you have the right coverage for your family vehicles, no matter who is riding in or driving them.

Watercraft Insurance

If you’re spending a weekend with friends and family and everyone is taking turns on your jet ski, do you have the insurance to cover you if someone gets hurt? If your boat stops running in the middle of a lake, does your insurance cover water towing? Watercraft are great fun but come with loss exposures that require specialized coverage.

Whether you own a small runabout, sailboat, personal watercraft, or yacht, call a JD Fulwiler specialist today to find out more about getting the right coverage you need at the right price.

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Homeowners Insurance

Your home is your refuge and likely your most valuable asset. Houses, condos, mobile homes, and vacation homes all have different needs for homeowners insurance coverage. Our experienced staff has expertise in helping you obtain coverage with the right insurance company for your property and your situation.

As much as 75 percent of very affluent U.S. households are covered by mass-market insurance carriers, which means their policies can leave them with gaps in coverage should a disaster happen. Don’t let this happen to you. Contact a JD Fulwiler home specialist today for a current assessment of your insurance coverage needs. We will work with you to help you avoid gaps in coverage and select the right insurance company and product for you and your family.

Landlord Insurance

Owning rental property can be a great investment. As a substantial asset, it needs to be protected against unforeseen events. And you need to protect yourself against lawsuits by tenants for injury or wrongful eviction.

Call a JD Fulwiler specialist to work with you to construct the best solution for your property.

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Jewelry, Fine Arts, Antiques, Collections and Valuable Articles Insurance

It’s unlikely that your homeowners insurance will fully cover the loss of your high-valued treasures if they are lost, stolen, or damaged. Some of your jewelry, china, antiques, fine arts, and collectibles are irreplaceable. Great insurance coverage and loss prevention advice are critical to protecting your valuable items. We also know that fast and fair claims settlement in the event of a loss is important to you. JD Fulwiler specializes in the coverage of valuable articles that mean the world to you. We will partner with insurance companies that specialize in protecting valuable collections and family heirlooms to provide you with the protection you need to help avoid disappointment in the event of a loss.

We can provide coverage for high monetary value items like:

  • Fine Art
  • Coins
  • Cameras
  • Firearms
  • Jewelry
  • Silver
  • Musical Instruments
  • Golf Equipment
  • Antiques
  • Stamps
  • Wine Collections

Excess Liability & Umbrella Insurance

You don’t have to be a millionaire to be sued like one. The more assets you have the more you have at risk. Once the liability limits on your home, auto or other underlying insurance are exhausted, an umbrella or excess liability policy will take over and provide another layer of insurance protection.

We represent a wide range of products from many large national and regional insurance companies and are able to deliver personal umbrella and excess liability policies of significant size to protect your assets. Talk to one of our liability specialists today about coverage that protects you all the way.

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Employment Practices Liability Insurance

Do you employ gardeners, a nanny, a housekeeper, or any other residential staff? If so, you have an exposure to allegations of wrongful employment that can cost you a great deal of money even if found innocent. Call a JD Fulwiler specialist today to talk about Employment Practices Liability Insurance so you can relax in the knowledge you have the protection you need.

Family Office Insurance

As wealthy families grow and become mobile, protecting wealth can become complicated as the family becomes more like a company. Investments and properties spread across the country or across the globe require custom solutions and higher levels of liability insurance. Yachts and aircraft often enter into the ownership picture increasing the exposure to loss. Great wealth also brings increased exposure to kidnap and ransom.

JD Fulwiler works with many affluent families to cover their exposures and advise them on risk management solutions. Call our office today to speak to a family office specialist for an insurance program designed to combine personal insurance for the family members with management liability and commercial insurance to protect the family office.

Life Insurance

Do you know which life insurance policy is right for you and how long you should cover yourself or spouse to protect your family’s future? We will help you analyze your financial objectives and safeguard your family’s security. Buying life insurance has never been easier.

Call a JD Fulwiler specialist today to help you determine the value and term of the right policy for you and your family.

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Health Insurance

Health insurance is in the news daily. If you or your family is not currently covered by a comprehensive employer-paid policy, it’s natural that you may be very anxious about the right plan to choose. Getting the right coverage depends on a variety of factors, including what you can afford and any pre-existing conditions you may have in a changing legislative environment.

JD Fulwiler can help you understand the options available and get you enrolled a plan that will protect you and your family.

Disability Insurance

You, your family, and your business all depend on you to be able to perform in your professional role and earn an income. Disability insurance helps protect your lifestyle should you suffer a loss of income due to an injury or illness.

Call a JD Fulwiler specialist today to help you determine the right policy to protect your income and livelihood.

JD Fulwiler serves as the off-site insurance team for Options for Southern Oregon, Inc.This year, the commercial insurance team and benefits consultants were critical to our success as we faced the complexities related to a merger and occupying a new facility. Their anticipation of our needs and response to our questions has been exemplary.

Joann Gillyatt
Human Resource Director Options for Southern Oregon, Inc.

I have worked with J.D. Fulwiler for over twenty years and it remains one of our most trusted business relationships.

William Hatcher
CEO A to Z Wineworks / REX HILL

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