INSURANCE

DON'T LET HIGH INSURANCE RATES KEEP YOU FROM PROTECTING WHAT YOU VALUE MOST.

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HOME INSURANCE

Homeowners insurance protects against damage to your home and belongings from covered perils, and safeguards your assets if you're liable for someone else's injuries or property damage. Additionally, your homeowners policy may pay for an increase in living expenses if your home is uninhabitable due to a covered loss. Call us to discuss available homeowners coverages, as well as additional coverages such as:

The structure of your home
Replacement costs
Personal possessions (up to a set limit)
Living expenses in case of a disaster
Liability

Valuable Articles/Floater policies

(i.e. Jewelry Insurance)

Flood policies
Umbrella policies (additional liability)

CAR INSURANCE

The insurance protection you need when you’re on the move.

Auto Insurance – Get the right insurance coverage for your car, truck, van or

other vehicles.

Motorcycle Insurance – Ride safe and insure your motorcycle.
ATV and Motorsport Insurance – Insurance policies that cover all your toys.

Classic Car Insurance – Your classic car is an icon. Insure it well.
RV and Mobile Home Insurance – Home insurance for your home-on-the-road.

Boat and Watercraft Insurance – Insurance coverage for the captain of the ship.

LIFE INSURANCE

Life insurance is a crucial step in planning for your future and the future of your loved ones.

Life Term Insurance provides life insurance protection for a specified period of time. Term life is sometimes convertible to permanent coverage, providing you with flexibility as your needs change.
Whole Life Insurance is a form of permanent life insurance that remains in force for your entire lifetime, provided premiums are paid as specified in the policy.

Universal Life Insurance is a form of permanent life insurance characterized by its flexible premiums, face amounts and unbundled pricing structure. The savings element, premiums and death benefit can be reviewed and altered as a policyholder’s circumstances change.

CONTRACTORS INSURANCE

Coverage for business liability exposure

Commercial General Liability
Professional Liability
Commercial Auto

New York State Wokers Compensation
New York State Disability
New York State Paid Family Leave

OTHER INSURANCE WE OFFER

UMBRELLA

Umbrella insurance is an extra layer of insurance that provides protection beyond existing limits and coverages of other policies you may already have. Umbrella insurance can provide coverage for injuries, property damage, certain lawsuits and personal liability scenarios.

VACANT & MIXED USE BUILDINGS

Vacant home insurance is specialty home insurance coverage for properties that are uninhabited or considered vacant homes.

Mixed-use buildings have multiple rental apartments or condominium units, as well as ground-floor retail space. Insurance policies for mixed-use properties can cover accidental or malicious damage to the building itself, loss of rental income, and liability for damages or injuries which arise on the property premises.

BUSINESS OWNERS

A Business Owner’s Policy bundles business property and liability insurance into one policy. This means it can help cover claims of bodily injury and property damage to your building, equipment or inventory.This includes coverage for your business from claims resulting from things like fire, theft or other covered disasters. Business owner’s insurance also helps cover claims that could arise from your business operations.

BONDS

An insurance bond is a legal contract between a principal (the party purchasing the bond), an obligee (the third party that receives the benefit of the bond), and a surety (the insurance company). Bonds are not insurance policies per se but are instead legal contracts between the three parties involved, promising restitution to the obligee in the event that the principal defaults on its contractual obligations.