Comprehensive Insurance Services
BODILY INJURY INSURANCE

Your home is your largest asset, and its insurance must protect both the structure and your liability. We look beyond basic dwelling coverage to ensure you have adequate Replacement Cost Coverage and, critically, robust Personal Liability Limits (Coverage E). Low liability limits on a standard policy can expose your entire net worth to risk if someone is injured on your property. Let us help you secure your investment with coverage designed for the reality of today's legal environment.

Driving with only the state minimum Auto Insurance Coverage can be a dangerous risk, especially in New York where minimum liability limits are notoriously low. Our approach focuses on establishing strong General Liability Limits ($250,000/$500,000 minimum recommendation) to prevent a serious bodily injury claim from an auto accident leading to a lawsuit against your home and savings. If you have younger or inexperienced drivers, securing high underlying limits is paramount.

An Umbrella Policy provides the essential, extra layer of personal liability protection needed to shield your family from multi-million dollar judgments. This high-limit coverage sits above your primary Auto and Home policies, protecting your net worth and future earnings from catastrophic claims related to severe accidents, property injuries, or unexpected personal liability lawsuits. If you own a home or have substantial assets, an Umbrella Insurance Coverage policy is non-negotiable.