- Auto InsuranceAct of God: Natural occurrence beyond human control or influence. Such acts of nature include hurricanes, earthquakes, and floods. See Acts of God and your car insurance
- Motorcycle InsuranceMotorcycle Safety Foundation (MSF): An international non-profit organization dedicated to motorcycle safety training, research and awareness. Some applicants who complete MSF courses qualify for discounts for motorcycle insurance.
- Boat InsurancePrimary Insurance: Insurance that must be maintained as a condition of the most Personal Umbrella Policies. Primary insurance acts as the first layer of coverage on common types of losses. This usually includes auto, motorcycle and homeowner insurance, but may also include boat insurance, commercial liability or some other policy. Please check your insurance policy documents for more detailed information.
- Renters InsuranceRenter's Insurance: Insurance that provides protection from losses that arise out of the rental of a home. Protection covers losses to the insured's property, not to losses that occur as a result of owning a home.
- Home InsuranceHomeowners Insurance: Protects homeowner's from losses to their homes, personal property, and some types of damage or injury to others for which the homeowner is liable. Homeowner's insurance is subject to the terms, limits and conditions of your policy contract.
- Condo Insurance
- Life InsuranceAccidental Death Benefit (ADB): A supplementary life insurance policy benefit that provides a death benefit in addition to the policy’s basic death benefit if the insured’s death occurs as the result of an accident.
- Health InsuranceRider: In motorcycle insurance, a rider is someone who will operate the insured motorcycle. In life and health insurance, the term "rider" is often used to refer to an endorsement to an insurance policy.
- Workers Compensation InsurancePersonal Injury Protection (PIP), sometimes referred to as “No Fault” is coverage provided on a standard auto liability policy that covers medical expenses, lost earnings and other related expenses for drivers, passengers and pedestrians. Please note that drivers for TLC vehicles may be ineligible for this coverage. Drivers affiliated with Black Car Bases (such as Uber, Lyft, etc) are typically covered under the Black Car Fund, see here for more information. Drivers affiliated with a Car Service/Livery Base (most Green Taxis) are typically covered under the Independent Livery Driver Benefit Fund (ILDBF) – see here for more information. These funds provide similar, but not exact coverage as PIP. Make sure you review your base’s membership, coverage, exclusions and terms. For the most comprehensive driver coverage, you may want to consider workers compensation insurance. Feel free to contact us for more information.
- Commercial Liability Insurance
- Liability InsuranceSelf-Insured Retention: In umbrella insurance, self-insured retention is similar to a deductible in other types of insurance. The self-insured retention is the amount of damages for which the policyholder is responsible before the umbrella coverage begins to cover a loss.