INSURANCE
Home
Insurance
Homeowner’s coverage doesn’t have to be difficult to understand. A basic
Tomorrow Homeowners Insurance Policy will cover the following:
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The structure of your home
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Replacement costs
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Personal possessions (up to a set limit)
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Living expenses in case of a disaster
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Liability
You can also add supplemental policies such as:
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Valuable Articles/Floater policies
(i.e. Jewelry Insurance)
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Flood policies
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Umbrella policies (additional liability)
Car
Insurance
The insurance protection you need when you’re on the move:
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Auto Insurance – Get the right insurance coverage for your car, truck, van or
other vehicles.
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Motorcycle Insurance – Ride safe and insure your motorcycle.
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ATV and Motorsport Insurance – Insurance policies that cover all your toys.
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Classic Car Insurance – Your classic car is an icon. Insure it well.
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RV and Mobile Home Insurance – Home insurance for your home-on-the-road.
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Boat and Watercraft Insurance – Insurance coverage for the captain of the ship.
Life
Insurance
Life insurance is a crucial step in planning for your future and the future of your loved ones.
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Life Term Insurance provides life insurance protection for a specified period of time. Term life is sometimes convertible to permanent coverage, providing you with flexibility as your needs change.
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Whole Life Insurance is a form of permanent life insurance that remains in force for your entire lifetime, provided premiums are paid as specified in the policy.
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Universal Life Insurance is a form of permanent life insurance characterized by its flexible premiums, face amounts and unbundled pricing structure. The savings element, premiums and death benefit can be reviewed and altered as a policyholder’s circumstances change.
Business
Insurance
Business is unpredictable.
Buying New York business insurance shouldn’t be.
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By most accounts, the goal of doing business is maximizing profits, while minimizing costs. This means making strategic plans that account for expected costs and delineate actionable plans that shrewdly reinvest the profits. Keeping costs to an acceptable level entails finding affordable, comprehensive business insurance that can reduce the cost of unexpected losses, like natural disasters, lawsuits, employee injuries, and more.
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But, how much New York or New Jersey business insurance is too much?
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How much is too little?
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State regulations will determine basic insurance requirements. Among the commonly required policies are workers compensation, unemployment, and disability insurance. But these may not be enough. Business insurance packages can include any of the following coverages
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Business Owners Policies (BOP)
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Errors & Omissions
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Professional Liability
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Umbrella
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Cyber Liability and Data Breach
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Employment Practcies
HOURS & LOCATION
Location
99 Wall Street Suite 1830
New York, N.Y. 10005
Tel: 212-964-6190
Fax: 646-349-5998
Hours
Monday - Friday
9:00 am to 5:00 pm
Evenings by Appointment
At Schmutter Strull Fleisch Inc., we understand the importance of having affordable, comprehensive business coverage in place – no matter how big or small the business may be. We can identify the required state policies and suggest more comprehensive and affordable New Jersey and New York business insurance solutions.
Whether you are looking for additional NY commercial liability, professional liability or New Jersey manufactures insurance coverage, contact us or fill out our free New York business insurance quote form for more information today.