Excel Insurance

Insurance, Annuities & Retirement Insurance Plans, Auto Insurance

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(631) 849-5695Call Visit WebsiteVisit Website Map & DirectionsDirections856 Route 25a Ste 2Miller Place, NY 11764 Write a ReviewWrite Review

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Extra Phones: Phone: (631) 849-5780
Brands: allstate
Neighborhood: Miller Place
Other Link: http://excelagency.com
Categories: Insurance, Annuities & Retirement Insurance Plans, Auto Insurance, Business & Commercial Insurance, Flood Insurance, Health Insurance, Homeowners Insurance, Liability & Malpractice Insurance, Life Insurance, Long Term Care Insurance, Renters Insurance, Workers Compensation & Disability Insurance

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Phone: (631) 849-5695

Address: 856 Route 25a Ste 2, Miller Place, NY 11764

Website: http://excelagency.com

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Excel Insurance

Auto Insurance
Auto insurance protects you against financial loss if you have an accident. It is a contract between you and the insurance company. You agree to pay the premium and the insurance company agrees to pay your losses as defined in your policy.

Renters Insurance
This provides coverage for the theft of personal items in your car. However, if you have homeowners or renters insurance, you may be covered for items stolen from the car, minus your deductible. You need to have receipts or other proof of ownership. This type of insurance usually costs about $1.25 per day. Some rental car companies combine personal accident and personal effects coverage together as one type of insurance, while others sell it individually.
Home Insurance
Homeowners insurance provides financial protection against disasters. A standard policy insures the home itself and the things you keep in it.

Health and Life

Life Insurance
Accelerated Benefits Rider: An adjustment (rider) to a life insurance policy that allows for the early payment of some portion of the policy's face amount should the insured suffer from a terminal illness or injury.
Health Insurance
This provides coverage to you and your passengers for medical/ambulance bills. This type of insurance, usually costs about $3 per day, but may be unnecessary if you are covered by health insurance or have adequate medical coverage under your auto policy.
Disability Insurance
A BOP doesn't include workers compensation, health or disability insurance. If you have employees, you'll need separate policies for these coverages.
Long Term Care
We offer competitive insurance programs for Cash Value Life, Long Term Care, Disability, Annuities, Estate Planning, Personal Automobiles, Commercial Insurance, Homeowners, Health Insurance, Recreational, Term Life. We know you expect the best value without sacrificing personalized service and thatâ€™s what we do atÂ Excel Insurance & Risk Management Agency LLC.

Business Insurance
Insurance companies selling business insurance offer policies that combine protection from all major property and liability risks in one package. (They also sell coverages separately.) One package purchased by small and mid-sized businesses is the businessowners policy (BOP). Package policies are created for businesses that generally face the same kind and degree of risk. Larger companies might purchase a commercial package policy or customize their policies to meet the special risks they face.
Workers Compensation Insurance
Bodily Injury by Accident Limit: The most an insurer will pay under Part Two of a Workers' Compensation Policy for claims arising out of any one accident, regardless of how many employee claims arise out of the accident
Professional Liability Insurance
Professionals that operate their own businesses need professional liability insurance in addition to an in-home business or businessowners policy. This protects them against financial losses from lawsuits filed against them by their clients.
Builders Risk Insurance

Annuities
We offer competitive insurance programs for Cash Value Life, Long Term Care, Disability, Annuities, Estate Planning, Personal Automobiles, Commercial Insurance, Homeowners, Health Insurance, Recreational, and Term Life. We know you expect the best value without sacrificing personalized service and thatâ€™s what we do at Excel Insurance & Risk Management Agency LLC.
Liability Insurance
Liability limits generally start at about $100,000. However, experts recommend that you purchase at least $300,000 worth of protection. Some people feel more comfortable with even more coverage. You can purchase an umbrella or excess liability policy which provides broader coverage, including claims against you for libel and slander, as well as higher liability limits. Generally, umbrella policies cost between $200 to $350 for $1 million of additional liability protection.

Natural Disaster

Flood Insurance
National Flood Insurance Program: A federally funded program established to make flood insurance available to properties located in participating communities National Flood Insurance Program: A federally funded program established to make flood insurance available to properties located in participating communities

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