Business Insurance
Also known as Commercial Lines Insurance, it is an insurance product with coverages that protect your business operations, your employees, and your assets against risks of injury, business interruption, and other risks.
Business Operations
Covers expenses and inventory losses resulting from unforeseen causes and covered risks that could interrupt your business operations, including your employees' salaries and the rental expense for your facilities. Some of the most common perils are fire, theft and natural disasters.
Building
If you own the property, Building Coverage covers damage to the premises and property, with limits set based on the cost of rebuilding the building and not on the market value of the property or the value of the land. It is important to have an adequate Coverage Limit.
Contractor’s Equipment and Machinery
This coverage is also known as construction equipment insurance. It protects the contractor’s tools and equipment from damage resulting from an unexpected loss, such as fire, wind, lightning, flood, theft and vandalism among others. This coverage applies while the equipment is on-site or stored off-site, and while it is being transported. The coverage does not apply to maintenance or wear and tear.
Commercial General Liability
CGL Coverage, as it is commonly known in the industry, protects the insured and its employees in cases where it is determined that the damages for bodily injury, property damage or personal injury caused to third parties, were as a direct or indirect result of the insured’s business operations.
Professional Liability
Also known as Errors and Omissions Coverage, it protects you as the owner and operator of your business against legal claims from clients who claim to have suffered financial or personal damages due to errors, omissions or negligence on the part of your business. For example, failure to deliver work on time.
Business Auto
This Coverage is to cover damages caused to the Insured's vehicle (which is normally registered in the name of the business), and property damage and bodily injury caused to third parties, and which result from the use of the Insured's vehicle.
Workers’ Compensation
This coverage is also known as workman’s comp and it provides coverage for medical expenses, lost wages and rehabilitation costs for employees who are injured or become ill while on the job.
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Personal Lines Insurance
Coverage to protect you and your household members from causes or negligence that leads to an accident and result in damage or injury to third parties. It also provides protection for your personal property, such as your home, if you own or rent the property (house, condominium or apartment), your vehicle, motorcycle, and also your pets.
Automobiles and Motorcycles– with international or state license
This coverage is to cover the Insured's vehicle and damages caused to third parties in their persons or property, resulting from the use of the vehicle. The driver may have a license issued by any state or from an international source.
Remember that Insurance Companies insure cars, and not drivers. Therefore, the insurance follows the vehicle - if you lend your car to someone, and that person crashes, and turns out to be responsible, then it will be your own insurance policy that will respond for the damages caused - and not that of the driver of your car.
Be careful who you lend your vehicle to, because an accident could happen, and in the end your insurance may be affected negatively.
Likewise, if you borrow a vehicle that does not have insurance, and you are involved in an accident, your own policy could step-in and protect you to cover damages caused to third parties.
Homeowners HO-3
Home insurance that covers the reconstruction of the insured home in the event of a covered loss and all the contents inside the home. The coverage is not to pay the bank debt (mortgage) for a total loss accident; although it may be negotiable under certain circumstances or catastrophes. However, it includes Medical Expenses and General Liability coverage, which would protect you in the event that your dog bites and injures a third party.
Dwelling Protection – DP1 / DP3
For the protection of rental properties. It protects damage to the building and structure. The DP1 form is the basic one and the DP3 offers more coverage options. It does not protect the contents, as they are usually the property of the tenant.
Renters Insurance HO-4
HO4 Coverage is for renters. It covers the contents of your home against covered losses such as fire damage, which in turn would cover your housing expenses to move to another location while your home is being repaired. It also covers you for theft, and for damage to the building due to your negligence. Additionally, Medical Expenses for visitors are included.
Condo HO-6
This insurance applies to condominiums or co-op units. It covers the entire interior and its contents, but not the exterior, since those parts are usually covered under a common building policy that is usually administered by an Association. It also includes Medical Expenses and General Liability coverages.
Mobile Homes HO-7
This coverage is very similar to HO-3, but with some differences in coverages that are specifically designed for the risk of mobile homes. For example, the factor of being “mobile” requires special coverage for being in transit and also coverage for the type of foundation or base where the unit will be established.
Pet Insurance
If you own a pet, you should purchase this coverage, as it covers medical expenses that you may incur due to injuries or illnesses suffered by your pet. It does not cover damage caused by the pet, for example if your dog bites another person.
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Life Insurance - with SSN or ITIN
In the Insurance Industry, it is mostly accepted that there are 2 main types of Life Insurance: Term Life Insurance, and Permanent Life Insurance. These are 2 very broad classes, and here we will talk about 4 more specific Types of Life Insurance: Term Life Insurance, Whole Life Insurance, Indexed Universal Life Insurance and Final Expense. The Life Insurance options that we handle accept you with a Social Security Number or an ITIN Number.
Term Life
Life Insurance with a fixed death benefit for a specific period of time 10/20/30 years that you choose. The Premium never increases during the insured period and the Policy remains in force as long as you continue paying. If the Insured dies during the insured period, the Death Benefit is paid to the Beneficiary(ies) named under the Policy. It is a very simple and economical way to protect the future of your loved ones.
IUL – Option as a Retirement Plan with Return of Premium
Index Universal Life. Excellent protection option with a fixed premium and a return of premium, tax-free and with multiple flexible factors in favor of the insured and their beneficiaries.
IULs are not for everyone. They require qualification and possibly a medical examination - coverage is for life. As the death benefit and recoverable limits increase, you have the option of loans or withdrawals, and since it is your money, you do not have to pay it back – and it is also tax-free.
If you have a goal to save for your children's college, a down payment on a house, or the purchase of a car, or you simply want to have a fund as a Retirement Plan for the future, put your investment to work in an IUL. Some bank accounts may offer attractive investment rates, but they do not include a death benefit for your beneficiaries. If you own a business, this can be your 401K Retirement Plan.
Whole Life
Insurance with fixed premiums and benefits. Unlike a Term Policy, which is temporary insurance, Whole Life Insurance is for the entire life of the insured and is a way to guarantee long-term cash benefits for the beneficiaries. Also, and similar to an IUL, Whole Life Insurance increases the available cash value.
Final Expense
Fixed premium, for life. Covers funeral expenses and pays benefits to named beneficiaries.
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