Personal & Commercial Insurance

We provide a full Package of Coverages, ranging from basic liability to the most broad policy according to your needs. You can rely on us to find you a perfect market for each specific risk. Our goal is to provide you with the coverage that suits you best.

Auto insurance coverage and Homeowners / Renters insurance that fit your needs

When it comes to car insurance, you’ve got plenty of policy options. State Farm can help you find the right coverage. We’ll also help you find out how much auto insurance you might need. Coverage varies by state and your selection.

Collision Insurance

When your vehicle hits another object, or overturns in an accident, you may be covered with collision insurance.

Comprehensive Insurance

Choose comprehensive insurance for when your vehicle's stolen or damaged by something other than collision or rolling over, like damage caused by fire, wind, hail, flood, theft and more.

Home and Renters Insurance

What does homeowners insurance cover?

Of course, the ability to repair or replace your home is foremost in homeowners coverage. But it also covers the items you value that aren’t permanently attached to your home or your property. Like, for instance, Jewelry, collectibles, pictures, equipment, others.

What is renters insurance?

The policy covers the things you own and love. From TVs and bicycles to laptops and even your favorite down comforter. From cameras to smartphones to smart looking furniture, your personal property is covered for accidents related to fire, smoke, covered water damage, wind, theft, vandalism and more.

Required insurance policies for small businesses in New York

State laws can affect which business liability insurance policies you need for your small business. These policies are required in New York.

Workers' compensation insurance

New York state law requires every business that has employees, full-time or part-time, to carry workers’ compensation insurance. This policy covers medical bills for work injuries and protects employers from liability over an injury.

Commercial auto insurance

All business-owned vehicles in New York must be covered by commercial auto insurance. Though it's not required, personal vehicles driven for work purposes should be covered by hired and non-owned auto insurance, as personal auto policies usually exclude business use. It can be added to general liability insurance or a business owner's policy.

New York's commercial auto insurance requirements are:

• Bodily injury liability: $25,000 per person / $50,000 per accident
• Liability for death: $50,000 per person / $100,000 per accident
• Property damage liability: $10,000 per accident
• Personal injury protection: $50,000
• Uninsured motorist coverage: $25,000 per person / $50,000 per accident

Recommended insurance policies for small businesses in New York

General liability insurance

This policy is important for all New York businesses. It covers common risks, including customer property damage and injuries. Most commercial leases require this coverage.

BEST FOR

• Customer injuries at your business
• Damaged customer property
• Libel or slander lawsuits

Special Financing is available for some of these policies through Strand Finance! Ask us for the details.