Personal Insurance We can help you choose the right
policy and options from our many providers. We have policies to protect
your home, cars, jewelry, home business or boat - in almost any situation.
Personal Auto You need to protect yourself
should your vehicle be damaged or stolen. Just as important you need
insurance for liability - property damage or injury to others - caused
by you and other household members as a result of operating a motor
vehicle. Other policy features include medical payment reimbursement
and reimbursement for injury caused to you by an uninsured or inadequately
insured driver. There are many special situations where you may need
to customize your policy; examples include installation of custom
audio equipment, business use of your auto and teenage and guest drivers,
to name a few.
Homeowner, Condo Owner, RentersOne little policy does a lot.
A homeowner policy reimburses you for damage to you home from a variety
of causes. If you home is totally destroyed or you cannot use it for
a period of time, your homeowner policy will also cover that. The
insurance extends to your home's contents and liability for damage
to property of others or injury caused to someone by you or a family
member. Your policy can be personalized to include greater levels
of protection for important property, home office situations, liability
for boat ownership and additions and alterations to your residence.
Personal Package One policy, one bill equals
convenience and enhanced protection. We can combine your auto, home
and other coverage in one comprehensive policy. We can start now with
just your auto or home and 'package' the other coverage when your
current policy expires.
Personal Umbrella Sometimes the coverage limits
in our automobile and homeowner policies are not enough. Litigation
today results in more and more jury awards for hundreds of thousands
or millions of dollars. An umbrella provides extra protection of $1
million or more.
Scheduled Property Many of us have possessions
that are not adequately protected by a standard homeowner policy.
Examples include jewelry, antiques, oriental carpets, art work, sports
equipment, collectibles, furs and firearms. Scheduling important possessions
gives you adequate levels of protection, coverage against broader
causes of loss and no deductible.
BoatOne policy includes protection
against loss to your boat, motors, trailers and equipment and liability
for property damage or physical injury to others caused by you or
other boat operators.
Home Business More and more people are working
from home or starting home based businesses. A standard homeowner
policy affords limited protection for property and liability risks
arising from home business pursuits. We have a range of options and
can pick the one that's right for your business no matter how small,
new or established.
Identity TheftAbduction of your personal
information can result in financial loss ranging from a thief draining
your bank accounts to new debt from fraudulently opened credit accounts.
Protect yourself before you become a victim by taking necessary precautions
and insuring potential loss.
Individual Life InsuranceIndividual life insurance
can be provided for one or several individuals (the latter kind are
sometimes called survivorship policies). Individual life insurance
is an important part of any financial plan. Proceeds from these policies
can be used to replace income for dependents left behind, cover funeral
costs or costs not covered by medical insurance, create an inheritance
or be used as a savings instrument.
Life and Health InsuranceLife and health insurances
are important component of any financial protection program. We have
plans for individuals and for employers and other groups who want
to enhance their benefits program.
Commercial Insurance Your business faces unique risks
and needs tailored protection. We have the experience and products
to review your needs and craft a program that's just right for you.
Business Owners PolicyThink of it as homeowner insurance
for your business. This type of policy is appropriate for many small
and medium sized businesses. It conveniently includes many types of
coverage like liability, building, business property and loss of income.
Business Auto InsuranceMaybe your business owns vehicles
in your business or maybe you rent or lease them. Maybe you or your
employees use personal vehicles to conduct business. If so, you need
Business Auto Insurance. A Business Auto Insurance Policy protects
your business against injury to others and damage to property as a
result of business use of vehicles.
Commercial General LiabilityYour business faces exposure
to loss from legal liability from a number of sources. The CGL provides
broad protection from risks arising from your premises and operations,
independent contractors and product liability, to name a few.
Commercial Property InsuranceThis type of policy provides
protection from loss, due to a variety of perils, to all kinds of
business property including: building structures, furniture, inventory,
equipment, and supplies, money and securities and business records.
If you have a larger or more complex business you may need the flexibility
of insuring your business property through a Commercial Property Policy.
Commercial Package PolicyA Commercial Package is a
type of business package policy that bundles coverage together for
several things including liability, property, boiler and machinery,
crime and other optional coverage. The options available create flexibility
that allow a Package to be customized for most kinds of business.
Workers Compensation InsuranceConnecticut governs this type
of insurance which pays for medical and rehabilitation expenses for
workers injured on the job. Lost wages are also covered. Each state
governs the compensation details, including the amounts paid. This
is often a mandatory type of insurance.
Group Health InsuranceHealth insurance is an important
benefit for your employees. Having the right plan can give your business
a competitive advantage as part of your overall compensation program.
In fact, many people who would otherwise be qualified to run their
own businesses may work for yours because of access to your benefits
program. Let us help you find the best program for you.
OUR SPECIALTY DIVISIONS
As one of the leading insurers in the Fur Industry, we are pleased to offer our customers exclusive insurance carriers for the Fur and Outerwear Garment Industry.
We have built upon our strengths over the last 45 years in the fine arts field by offering an exclusive program of insurance for Fine Art Galleries, Dealers, Private and Corporate collections and Museums.
Our Marine Specialty Markets provide comprehensive coverage ranging from your Custom Wood Yacht to Sailing Schools, Marinas, Charter Fishing Boats and Ocean Cargo coverage, just to name a few.
Our Jewelers' insurance customizes an insurance program for you by offering coverage to protect your Jewelry Inventory, Jewelry of Others Held for Repair, as well as Jewelry on Memorandum or Consignment.
Our Heavy Equipment Insurance Policies are designed specifically to protect your investment against risks of physical loss and damage as well as other unfortunate acts of nature.