Insurance FAQs & Guides

Aim to cover the full cost to rebuild your home at current construction prices — not its market value — plus enough personal property and liability coverage to protect your savings. An agent can help estimate the right dwelling limit for your home.

Your location, the age and condition of your property or vehicle, claims history, coverage limits, deductible choice, and — for business policies — your industry and payroll all factor into your rate.

Workers' compensation is insurance required for most New York employers that covers medical costs and lost wages for employees injured or made ill on the job.

Commercial auto insurance covers vehicles used for business purposes — including delivery vans, work trucks and company cars — for liability and physical damage that personal auto policies typically don't cover.

Contact your carrier's claims line as soon as possible after an incident, and call our office — we'll help you understand the process, gather documentation, and follow up with the adjuster on your behalf.