Home, Auto, Business
& TLC
More Coverage, Lower Premium
Home
Home insurance, also commonly called hazard insurance or homeowner's insurance (and often abbreviated in the US real estate industry as HO1), is a type of property insurance that covers a private residence.
Covers:
A-Dwelling
Covers the property
B-Other Structure
Covers garage
C-Personal Property
Covers things inside the property
D-Loss of Use
Covers expenses associated with additional living expenses
E-Personal Liability
Covers damages which the insured is legally liable for and provides a legal defense at the insurer's own expense.
F-Medical payments to others
For Investment
Properties:
Dwelling Fire Policy
Auto
Auto insurance provides financial protection against theft, physical damage and/or bodily injury resulting from traffic collisions and against liability that could also arise therefrom.
Covers:
Bodily Injury Liability
Covers injuries the policyholder causes to someone else
Medical Payments or Personal Injury Protection (PIP)
Covers for treatment of injuries to the driver and passengers of the policyholder’s car.
Property Damage Liability
Covers for damage the policyholder causes to someone else’s property.
Collision
Covers for damage to the policyholder’s car from a collision.
Comprehensive
Covers for damage to the policyholder’s car not involving a collision with another car (including damage from fire, explosions, earthquakes, floods, and riots), and theft.
Uninsured motorists coverage
Covers for costs resulting from an accident involving a hit-and-run driver or a driver who does not have insurance.
Business
Covers your investment by minimizing financial risks associated with unexpected events such as a death of a partner, an injured employee, a lawsuit, or a natural disaster.
Type of Policies:
General Liability
Standard insurance policy issued to business organizations to protect them against liability claims for bodily injury and property damage arising out of premises, operations, products, and completed operations; and advertising and personal injury liability.
Commercial Auto
Covers cars, trucks, motorcycles, and other road vehicles owned by or operated within a business. Its primary use is to provide financial protection against physical damage and/or bodily injury resulting from traffic collisions and against liability that could also arise therefrom.
Commercial Property
Covers risk of loss to an organization’s buildings or personal property. Usually includes buildings, personal property of the insured business or business owner, personal property of others on site and in the insured’s possession.
Business Owners
Combines protection from all major property and liability risks in one package. It typically combines all the basic coverages required by a business owner into one bundle.
Professional Liability
E&O Policy
Covers professional advice and service-providing companies from bearing the full cost of defending against a negligence claim made by a client, and damages awarded in such a civil lawsuit.
Workers Compensation
Insurance providing wage replacement and medical benefits to employees injured in the course of employment in exchange for mandatory relinquishment of the employee's right to sue his or her employer for the tort of negligence.
Disability
Covers portion of your income if you become disabled and are unable to earn an income. A disability can result from a number of causes, including an injury, a serious illness or a mental health issue.
TLC
Liability
Physical Damage
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3 Ways to provide documents
Come to our Office:
127-03 Rockaway Blvd South Ozone Park, NY 11420
Text or Whatsapp (516) 218-1161
E-mail: Info@ljhubinsuranceagency.com