most common questions.

A deductible is an amount that you're responsible for in the event of a loss. This is the amount you pay out-of-pocket, and insurance covers the remainder.

When speaking with your agent to set up your policy, any valuables you are concerned about and our agent can review your policy and recommend changes to ensure your valuables have proper coverage.

Yes. Since general liability premiums are considered “a cost of doing business,” they usually can be written-off at tax time. That said, it’s a good idea to consult a tax professional to make sure.

No. You do not need a new home appraisal during the renewal or coverage change process.

Workers compensation insurance was created to guarantee employees medical benefits in the event of work related injury. In exchange for that guarantee, employees lose the ability to sue their employer.However, that may be the intent of the workers compensation insurance but it is still possible for an employee to sue. It doesn’t necessarily mean that the employer was negligent.In the event an employee does sue and is awarded additional benefit above the standard workers comp benefit, workers comp insurance policies in New York State contain employer liability coverage which will respond.

Physical Damage coverage on your auto insurance policy is coverage for damage done to your car.Now if someone else is at-fault then their auto insurance will most likely pay for the damage. But when that is not the case then damage to your auto is covered under physical damage coverage