We offer Multiple Forms of Coverage
No matter what you are looking to insure, we have a policy to cover you. Read below to learn more or call us for a free quote!
Auto
Auto insurance is a contract between you and the insurance company that protects you against financial loss in the event of an accident or theft.
In exchange for your paying a premium, the insurance company agrees to pay your losses as outlined in your policy.
Auto insurance provides coverage for the following:
- Property – such as damage to or theft of your car
- Liability – your legal responsibility to others for bodily injury or property damage
- Medical – the cost of treating injuries, rehabilitation and sometimes lost wages and funeral expenses
Basic personal auto insurance is mandated by most U.S. states, and laws vary.
Auto insurance coverage is priced individually (a la carte) to let you customize coverage amounts to suit your exact needs and budget.
Policies are issued for six-month or one-year timeframes and are renewable. The insurance company sends a notice when it is time to renew the policy and pay your premium.
Boat
Even though boat insurance isn’t mandated in New York, your lender may require you to have boat insurance if you’re financing your watercraft. Private marinas and docks may also ask you for proof of insurance before they let you dock your boat at their property.
If you bring guests out on your boat, a New York boat insurance policy with liability coverage may help pay for their injuries or damaged property if an accident for which you are responsible occurs while they’re on board. Boat insurance may also help cover damages to your watercraft due to theft or vandalism, if you carry comprehensive coverage.
Business
Business insurance can help you manage your company’s risks. It gives you financial protection from losses that can occur during normal business operations. When you buy insurance coverage, the insurance company helps cover the costs of covered losses up to the limits of your policy. Without coverage, you might have to pay for the costs out of pocket.
Commercial
Commercial auto insurance typically provides coverage for: liability damages; collision or comprehensive physical damage loss to your business autos; medical expenses for injury to occupants of your business autos; and damages sustained by occupants of your business autos due to the negligence of an uninsured or underinsured motorist.
The commercial auto policy provides physical damage coverage for vehicles you own, lease, hire or use in your business and liability coverage for bodily injury and property damage caused to others by your use of the insured business vehicles.
Disability
New York is one of a handful of states that require employers to provide disability benefits coverage to employees for an off-the-job injury or illness. The Disability and Paid Family Leave Benefits Law (Article 9 of the WCL) provides weekly cash benefits to replace, in part, wages lost due to injuries or illnesses that do not arise out of or in the course of employment (WCL §204). If you get injured or become disabled while you are eligible for or are collecting unemployment benefits, and if your injury or disablement results in you being ineligible for unemployment benefits, you are eligible for disability benefits.
Disability benefits are covered through your employer’s disability benefits insurance carrier or your employer may be self-insured.
Homeowners
Homeowners insurance provides coverage to repair or rebuild your home after events like fire, smoke, theft, vandalism, a falling tree, or damage caused by weather such as lightning, wind, or hail. Most standard homeowners insurance policies also cover furniture, clothing, and other possessions.
Motorcycle
Whether you’re a road warrior seeking adventure or you’re just looking for a way to get around town, there’s nothing quite like driving a motorcycle.
As you would with a car, you’ll need insurance if you want to protect yourself, your passengers and your investment. And just as you’d shop around for auto insurance quotes, you’ll want to find the best insurance for your bike.
Worker’s Compensation
Workers’ compensation is insurance that provides cash benefits and/or medical care for workers who are injured or become ill as a direct result of their job.
Employers pay for this insurance, and shall not require the employee to contribute to the cost of compensation. Weekly cash benefits and medical care are paid by the employer’s insurance carrier, as directed by the Workers’ Compensation Board. The Workers’ Compensation Board is a state agency that processes the claims. If Board intervention is necessary, it will determine whether that insurer will reimburse for cash benefits and/or medical care, and the amounts payable.
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