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Insurance
 

Why is Homeowners Insurance important?


Homeowners insurance provides financial protection for your home itself as well as the items you keep in it. A standard homeowners policy will cover damage to your property as well as your liability for any injuries or property damage you or your family members may cause to others. 

Because everyone's needs are not the same, it is best to consult us to help assess your needs and find the insurance policy that is right for you.


 

What is covered under a typical Homeowners policy?

  • Dwelling

  • Other Structures on Your Property

  • Personal Property/Contents

  • Loss of Use

  • Personal Liability Protection

  • Medical Payments

Things to consider and questions to ask your agent:

Here are few things to discuss with your agent that will influence which policy is right for you.

  • How much will it cost to rebuild my house and replace my belongings if they are damaged or destroyed? Ask your agent to talk you through your home's features and the things you own so you can make an informed decision about coverage.

  • Does the insurance company have a good reputation for customer service? Is it known for paying claims fairly and promptly?

  • What discounts are available? Ask about multiple policy, security system and fire resistance discounts.

  • What's the process for filing and settling a claim? Ask who to call and what happens after you file a claim.

You can also add supplemental policies such as:

  •  Valuable Articles/Floater policies

         (i.e. Jewelry Insurance)

  •  Flood policies

  •  Umbrella policies (additional liability)

Auto
Insurance
 

What is Car Insurance?

Automobile insurance protects you against financial loss if you have an accident. Auto insurance provides property, liability and medical coverage:

  • Property coverage pays for damage to or theft of your car.

  • Liability coverage pays for your legal responsibility to others for bodily injury or property damage.

  • Medical coverage pays for the cost of treating injuries, rehabilitation and sometimes lost wages and funeral expenses.

Things to consider for auto coverage:

Here are few things to discuss with your agent that will influence which policy is right for you.

  • How much can you afford to pay if you get in an accident? To keep premiums low you may want to have a higher deductible and be willing to pay more for repairs.

  • What is the insurance company's level of service and ability to pay claims?

  • What discounts are available? Ask about good driver, multiple policy and student discounts.

  • What's the procedure for filing and settling a claim? Ask who to call and what happens after you file a claim.

You can also add supplemental policies such as:

  • 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.

Business
Insurance
 

Commercial Auto


As a business owner, you need the same kinds of insurance coverages for the car you use in your business as you do for a car used for personal liability, collision and comprehensive, medical payments, and coverage for uninsured motorists.

Whether you need to buy a business auto insurance policy will depend on the kind of driving you do. We will ask you many details about how you use vehicles in your business, who will be driving them and whether employees are likely to be driving their own cars for your business.

While the major coverages are the same, a business auto policy differs from a personal auto policy in many technical respects. Ask us to explain all the differences and options. 
 

General Liability


Unfortunately for every business owner, the chances of getting sued have dramatically increased in the last decade. General Liability insurance can prevent a legal suit from turning into a financial disaster by providing financial protection in case your business is ever sued or held legally responsible for some injury or damage.

General Liability pays losses arising from real or alleged bodily injury, property damage, or personal injury on your business premises or arising from your operations.
 

Workers Compensation & Disability/Paid Family Leave


As a protection for employees, most states require that employers carry some form of Workers Compensation Insurance. Workers Compensation Insurance is not health insurance. Workers Compensation is designed specifically for injuries sustained on the job. Disability Insurance is designed to aid your employee while out of work from injuries or illness sustained outside of work. 

In New York State, if you have employees, you are required to carry Workers Compensation coverage and Standard Disability/Paid Family Leave. 

Workers Compensation is also designed to protect employers from lawsuits resulting from workplace accidents and to provide medical care and compensation for lost income to employees hurt in workplace accidents. Workers compensation insurance covers workers injured on the job, whether they're hurt on the workplace premises or elsewhere, or in auto accidents while on business. It also covers work-related illnesses.

Workers compensation insurance must be bought as a separate policy. Although in-home business and business owners policies (BOP's) are sold as package policies, they don't include coverage for workers' injuries. 

Some Other Coverages you May Consider

  • Employment Practices Liability Insurance. 

  • Directors and Officers Insurance. 

  • Cyber and Data Breach Insurance.

  • Errors and Omissions/Professional Liability Insurance. 

  • Commercial Excess or Umbrella Coverage. 

  • Inland Marine Coverage. 

  • Liquor Liability. 

  • Garage and Garage Keepers Liability.

  • Products Liability.

Life & Annuity
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.

Group
Benefits
 

Why are employer sponsored group benefits important?

  • Comprehensive benefit packages are attractive to job seekers, particularly if benefits extend to their families. Offering a competitive benefit package can give you the edge you need to hire and maintain a quality, dedicated staff.

 

What types of group benefits are available?

  • Medical benefits

  • Healthcare

  • Dental

  • Vision

  • Flexible spending account

  • Life, accident insurance and disability plans

  • Basic and supplemental life

  • Disability

  • Business travel

  • Retirement

  • 401(k) savings plans (often includes company matching)

  • Additional benefits

  • Tuition reimbursement program

  • Paid holidays

  • Vacation days

  • Sick and bereavement days

 

Get started today...

  • Our agency and our partners offers quality, competitive group benefits. Call us today to begin customizing an employee benefits package for your company and it's workforce.

HOURS & LOCATION
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Hours

Monday - Friday 

8:30 am to 5:00 pm

 

Saturday & Sunday

Closed

 

Evenings by Appointment

Location

558 Portion Road 

Ronkonkoma, NY 11779

Email: info@get-insured.com

Tel: (631) 981-5400

Fax: (631) 981-5448

Copyright © 2019 Cotgreave Insurance Agency, Inc. All rights reserved.