Home, Auto, Business

& TLC

More Coverage, Lower Premium

Why insure with LJ? 

1. No Brokerage Fees

2. Dedicated Account Manager

3. Compare Rates with Top Carriers

Home

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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

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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.

Save Additional 10% 

with Online Defensive Driving

Valid for 3 Years

Business

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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

Promo for TLC Drivers Only: Get a Free Camera When You Bind Both Policies.

 
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LJ Insurance Agency TLC Documents needed

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

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