Give the Perfect Gift of Life Insurance

Have you started your holiday shopping this year?  Before long, people will be lining up in stores and placing their orders online.  It’s an annual shopping frenzy.

But have you stopped to think about what your family really needs this season? 

For many of my clients, it’s Life Insurance. 

Life Insurance is what protects your family if something were to happen to you or your spouse.  Think about what you would want for your family in that situation.  Would you want your wife to be a stay at home mom?  Would you want your kid’s college education to be paid for?  Would you want your family to pay off the mortgage and be debt free? 

Life Insurance is about preparing for the unexpected and making sure your family is taken care of.  It’s not a fun thing to think about for a lot of people, but it’s very important.

Many people avoid buying life insurance because they think it’s expensive.  But that couldn’t be farther from the truth!  In fact, life insurance is extremely affordable, especially for a young healthy family.

So before you stand in line buying coffee pots and crock pots this Christmas, stop and think about what is truly important?  Purchase life insurance and insure that your children will be taken care of for years to come.

Call me at 888-565-2212 or visit me online today for a no-obligation Long Island life insurance quote from the Bryan Agency. Visit us online for a life insurance calculator & other tools.

Let us help you do your holiday shopping. At the Bryan Insurance Agency we are the leading agents in life insurance for the Hudson Valley, Long Island, and New York.

The Basics of Long Island Homeowners Insurance

Accidents and natural disasters can take you by surprise at any time, and having a comprehensive homeowners insurance policy will keep you and your family protected. These policies are designed to cover the cost of repairs or replacements of your house and your possessions that result from an assortment of covered events, including fire, severe weather, theft and vandalism. Flood and earthquake insurance will likely need to be purchased separately, if desired.

Homeowners insurance covers these incidents up to policy limits, which can vary depending on the coverage you select and the premium you opt to pay. This means that your property or liability claims won’t be covered past the limit you select on your policy. This is plenty of coverage for many people, but other people who own expensive items may need more coverage. This could apply to you if you have expensive jewelry, electronic equipment, fine artwork, rare collections or any other items of high value. In such cases, you can purchase coverage with higher property limits or you can add riders to your policy to cover specific high-value items such as a collection of custom-built furniture.

The premiums you pay for this valuable coverage can vary widely between insurance companies, which makes it important to compare quotes. Your independent insurance agent can shop around for policies that meet your unique needs and discuss coverage options with you so you can make an informed decision on which policy is best for you and your family. Don’t forget to ask if you qualify for discounts such as a safe home discount.

Protect your house and everything inside that makes it a home. Call Bryan Insurance Agency at (888) 565-2212 for more information on Long Island home insurance.

Commercial Property Insurance Coverages

Commercial property coverage is one of the most basic forms of business insurance and comes standard in most business policies. If you’re a business owner, you probably have this coverage. But what exactly does it cover? Each policy from various insurance carriers will differ in terms and conditions, exclusions and limitations. Below is a list of general items that are likely to be covered, however, you should check with your agent or insurer for the specifics of your unique policy.

1. Computers and media: Similar to personal property coverage, this policy covers computers, hardware, software etc. It can also cover replacement or repair of lost or damaged data resulting from covered damage to computer equipment.
2. Equipment breakdown: Covers the expenses associated with repairing or replacing equipment following mechanical breakdown, including air conditioners, boilers, phone systems, break room appliances etc.
3. Personal property: This includes contents owned by the business, which may include furniture, merchandise, fixtures/artwork, raw materials etc.
4. Laptops: This coverage is unique from general computer coverage because it protects laptops and other portable/mobile devices at any location worldwide, and even while in transit.
5. Lock and key replacement: Covers the cost of rekeying your business’ locks following the theft of the keys to the premises.
6. Property of others: Protects you against damages or loss to the property of customers that is in your business’ possession, such as computer equipment undergoing repairs by your business.
7. Business income: Offers reimbursement for a loss of earnings resulting from a covered loss or damage to your property. It can also cover higher costs of continued operations after a covered claim.
8. Money and securities: Covers money and securities used in your business if they are lost, stolen or damaged.

Your agent can help you select a policy that has the coverages your business needs for optimal protection of its assets. Don’t miss the chance to work with a professional agent in finding the right policy at the right price.

Ask us about how to properly insure your business. Call us at 888-565-2212 for more information on Long Island business insurance.

Commercial Auto Insurance Pollution Coverages and Exclusions

It makes sense for insurance companies to control their liability as much as possible. This is why certain pollution exclusions exist in commercial car insurance policies. Insurance carriers can also offer coverage that protects you from specific risks of your business. As such special pollution coverages can be added to a commercial car policy. Here are the differences between the exclusions and coverages.

Pollution Exclusions
Your commercial auto insurance will cover any bodily injuries that staff members suffer in an accident. Those will injuries will not be covered if they are a result of the release, seepage, dispersal or escape of pollutants from that vehicle. Most of the time, employees should not be dealing with pollutants. The only case they would be is if they have the appropriate coverage for it. Obtaining coverage is relatively easy when your workers are handling pollutants in the correct manner. Most businesses don’t have anything to do with waste or pollutants, only some businesses will need to deal with that. Before you decide whether the exclusion with affect your business, you should ascertain what exactly a pollutant is. Even simple items like paint and industrial solvents may be considered pollutants which will make events like an office renovation a risk when transporting pollutants.

Pollution Optional Coverage
There are certain times when your business needs to be involved in transporting and dispersal of contaminants. If you have coverage and are compliant with waste handling regulations, and an accident occurs, then your insurance carrier will not exclude the claim. If you are handling waste and pollutants on a regular basis, then you should definitely include that coverage. This will help when it comes time to handle claims for injured workers, and it will also help with paying fines to the government for accidents or spills.

Assess your daily activities and decide whether or not to add pollution coverage or to exclude it. Is it practical for your business? Is it worth the risk to forgo it?

If you'd like to sign up for Long Island commercial auto insurance, please don't hesitate to give us a call at 888-565-2212.

Auto Insurance Coverages for Long Island

Long Island NY is the largest island in the continental U.S. and many would claim it to be the most beautiful as well. Bryan Insurance Agency serves Long Island, as well as Queens, Manhattan, New Windsor, Newburgh, Middletown, Cornwall and the rest of New York with quality and affordable insurance. Since 2004, The Bryan Agency as stood as an independent insurance agency that not only provides insurance, but cares about their client. To Bryan, the client comes first. They stand on the their promise to do whatever it takes to protect you, your family, car, business, home and more today and into the future.

Long Island Auto Insurance

If you are involved in an auto accident, auto Insurance is there to protect you from financial loss.   It is a contract, between you and the insurance company that secures your protection for as long as the contract is valid. Most contracts last 6 months. Every month that you pay the premium, they will cover your financial expenses in the case of an accident, minus your deductible. An insurance policy is set to your specific needs to cover you from all the risks you may encounter in your life. Property, liability and medical coverage for you and your passengers are all parts of auto insurance.

• Liability coverage pays for your legal responsibility to others for bodily injury or property damage.
• Property coverage pays for damage to or theft of your car.
• Medical coverage pays for the cost of treating injuries, rehabilitation and sometimes lost wages and funeral expenses.

New York requires all drivers to obtain auto insurance. In order to ensure that you not only meet the lawful amount of insurance, but have enough to protect you fully in the case of an accident, t is best to talk to an independent insurance agent. They will discuss with you such things as your driving history, as well as the specifics behind what a policy actually covers to make sure you are aware of all details in your insurance policy.

The Bryan Agency is a full service independent insurance agency that represents over 15 different carriers. An independent insurance agency has the ability to search and find you the best insurance policy that fits your needs and budget.

Bryan Insurance Agency LLC is here to help you find the best insurance possible that fits your needs and budge. Give us a call at 888-565-2212. Let us help you find Long Island Auto Insurance and more.