Coverage for every part of your life.
From your first apartment to your business and your legacy — one independent team, the country’s top carriers, and coverage built around you.
Home, auto & family.
Homeowners
Protect the place your life happens — dwelling, belongings, and liability under one policy.
Auto
The right coverage for daily drivers — shopped across top carriers.
Life
Term and permanent coverage to protect the people who depend on you.
Health
Individual, family, and supplemental plans that fit your needs.
Umbrella
An extra layer of liability that sits above your home and auto limits.
Flood
Standalone flood coverage where a homeowners policy stops.
Earthquake
Standalone earthquake coverage most homeowners policies exclude.
Motorsport & ATV
ATVs, UTVs, and off‑road machines — on the trail and off.
Coverage for what you’ve built.
Business Owners Policy
A BOP bundles property and liability for small and mid‑size businesses.
General Liability
Third‑party bodily injury and property‑damage protection.
Commercial Property
Protect buildings, inventory, and equipment.
Commercial Auto
Coverage for vehicles your business depends on.
Workers' Compensation
Required coverage that protects your employees and your business.
Cyber Insurance
Protection against data breaches, ransomware, and downtime.
For high‑net‑worth families, there’s Novak Platinum 1.
A dedicated private‑client practice for significant homes, collections, and personal liability — with the discretion and capability those assets require.
