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. Auto insurance provides property, liability and medical coverage...
Boat Insurance
Larger and faster boats such as yachts, and personal watercraft such as jet skis and wave runners require a separate boat insurance policy. The size, type and value of the craft and the water in which you use it factor into how much you will pay for insurance coverage.
RV Insurance
Inland Marine Insurance
Truck Insurance
We plan to commit more resources to train our staff to help ensure they provide the top quality service our clients and affiliates expect and deserve. Our goal is to work with more diverse and progressive agencies and brokers to assist in the servicing and marketing of workers’ compensation, group health & dental plans, voluntary benefits, disability income, pensions, long term care, and life insurance for their clients. We will aim to provide greater access to various programs including commercial liability, property, auto & truck insurance for the many types of businesses and organizations across Long Island, Westchester, the Greater New York Metropolitan and the Tri-
Most companies provide limited coverage for property damage for small boats such as canoes and small sail boats or small power boats with less than 25 mile per hour horse power under a homeowners or renters insurance policy. Coverage is usually about $1,000 or 10 percent of the home's property value and generally includes the boat, motor and trailer combined. Liability coverage is typically not included–but it can be added as an endorsement to a homeowners policy. Check with your insurance representative to find out if your boat is covered and what the limits are.
Home Insurance
Excess flood insurance is available in all parts of the country—in high risk flood zones along the coast and close to major rivers as well as in areas of lower risk—wherever the federal program is available. It can be purchased from specialized companies through independent insurance agents, or from regular homeowners insurance companies that have arrangements with a specialized insurer to provide coverage to their policyholders.
Do you know the difference between Term and Whole life insurance? Permanent versus Variable policies? Make sure you understand the basics about life
Health Insurance
Select the carrier below and be directed to the health insurance carrier’s website that allows a search based on the name provided or search by location...
Disability Insurance
Term disability insurance benefits. The remuneration amounts vary between the states and the funding mechanisms may vary from private insurance to a state pool...
Long Term Care
Due to old age, mental or physical illness, or injury, some people find themselves in need of help with the basics actions of everyday life. Long-
Dental Insurance
If you are considering dental insurance for you business you can be assured Group Coverage, Inc. can find the best group dental insurance to fit your company’s specific needs.
Stop insurance shopping for your business via BizGUARD Plus! Contact Group Coverage today about GUARD's full complement of business insurance coverages.
Commercial Property Insurance
Workers Compensation Insurance
Since the adoption of the workers' compensation, short term disability (dbl), unemployment, and Social Security laws, most states now impose at least the statutory or compulsory lines of coverage. These plans are often considered 'welfare plans' as they protect the welfare of the employee in the event of a loss. But for companies looking to attract and maintain quality employees, other benefit packages should be offered as part of total compensation package. We recommend plans that offer the greatest impact and affect the largest number of the employees in the group. Since every company and the need of it's employees are different, the plans offered should by tailored around the group.
Commercial Liability Insurance
GUARD also offers Businessowners coverage (property and liability insurance), Commercial Auto, and Commercial Liability/Excess in a number of states, providing employers with the opportunity to enjoy one-
Professional Liability Insurance
Some businesses involve services such as giving advice, making recommendations, designing things, providing physical care or representing the needs of others, which can lead to being sued by customers, clients or patients claiming that the business’s failure to perform a job properly has injured them. Errors and omissions or professional liability insurance covers these situations. The policy will pay any judgment for which the insured is legally liable, up to the policy limit. It also provides legal defense costs, even when there has been no wrongdoing.
Plans designed to enrich an employees welfare are pensions and savings accounts. These products are used to fund an employees retirement or enhance their savings. There are many types of retirement and savings accounts such as 401k's, ESOP's, stock options, tax deferred annuities, Keogh's, SEP's, defined benefit plans, Simple IRA's, etc. Many of these plans are considered 'qualified' by the IRS as the contributions are on a pre-
Liability Insurance
Group Coverage, Inc. represents dozens of insurance carriers either direct or through its affiliates. We offer package programs that combine home, auto, RV, and umbrella policies that offer high value coverage at affordable premiums.
Travel Insurance
Vacations are precious escapes, but they can also be expensive and subject to disaster. Travel insurance can provide some useful protection—find out whether it's right for you
Pet Insurance
Pet insurance can help give beloved animals longer and happier lives. Learn how to get the right kind of coverage for your furry friend. Spokespersons: Jim Gilespi, Dog Owner; Dr. Sharon Kessler, Veterinarian