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Port Jervis, NY 12771

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Do I Need Umbrella Insurance Personally If I Have It Professionally?

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As a business owner in the Port Jervis, NY area, you may already have umbrella insurance attached to your commercial insurance policy, giving your professional assets the best protection. However, getting a personal umbrella insurance policy through Worthington Carroll Agency for maximum protection is a good idea. 

Commercial Will Not Cover Personal Assets

Just like a tenant renting a home, the home insurance policy will not cover the property that belongs to the person renting the home. The underwriters for your corporate umbrella insurance policy will also not cover anything that is not directly related to your business. However, you can still be targeted as the owner. 

Protect Personal Assets

Umbrella insurance secures the assets that are associated with the primary policy, which can be personal or professional. If you are sued and named personally in the suit, your personal assets could also be seized, should you be found liable. 

Your personal assets include any homes, property, and recreational vehicles you may own, which can be sold and liquidated to cover expenses. When you add this policy to your home insurance, you want to ensure you cover the total cost of the physical property and any personal accounts that can be reviewed. 

Family and Dependents Are Affected

Since you can be targeted as the business owner, this is important because your family and dependents rely on your assets and income. If you are suddenly seized in court when your commercial umbrella insurance would not cover, then you could find your spouse and dependents directly affected by this, especially if they are utilizing property that is in your name. 

Call Today To Discuss Your Options

If you are interested in adding umbrella insurance to your home policy, contact our agents at Worthington Carroll Agency today for assistance in the Port Jervis, NY area. 

Is Flood Insurance Required in NY?

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If you own a home in Port Jervis, NY, you are probably quite proud of your investment. One thing that you’re likely to do is to ensure that you properly protect your home. One way that homeowners properly protect their homes is by purchasing homeowners insurance. However, homeowners insurance has its limitations, and one thing that it doesn’t cover is flooding. This might lead you to wonder if flood insurance is required in New York. 

Flood Insurance is Optional

Flood Insurance is an optimal add-on. It can be very beneficial insurance to have because floods can cause a great deal of damage, and you never know when flooding might occur. Port Jervis NY is a high flood area, and forecasters are expecting major flooding in this area within the next 30 years. This is why it’s a very good idea to ensure that you add flood insurance to your homeowners’ insurance policy because it can save you a great deal of money and stress. 

Is Flood Insurance Expensive?

Flood insurance can sometimes be expensive, which is why we at Worthington Carroll Agency keep our rates as low as possible. We know how important it is for home and business owners to purchase flood insurance, so we try to make it high-quality yet affordable. It’s best to shop around before deciding on an insurance agency, so you can be sure you’re getting the best rates as well as the best coverage possible. 

Worthington Carroll Agency Is Here To Help

So, if you’ve decided that purchasing flood insurance is something you want to do to further protect your home, you should give us a call at Worthington Carroll Agency in Port Jervis, NY. One of our friendly and professional agents will be more than happy to provide you with a quote for any type of insurance you might be seeking.  

Different Ways You Can Customize Your Commercial Insurance Policy

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Commercial insurance is a vital safeguard for businesses, but one size doesn’t fit all. Customization is key to ensuring that your policy adequately protects your unique needs. Here at Worthington Carroll Agency, providing insurance in the greater Port Jervis, NY region, we want to help you tailor your commercial insurance coverage to your business’s specific requirements.

Coverage Types

General Liability

This covers third-party bodily injury, property damage, and advertising injury claims. Customize your policy by specifying your desired coverage limits, endorsements, and deductibles.

Property Insurance

Protect your business’s physical assets, such as buildings, equipment, and inventory. You can customize your policy to include coverage for natural disasters, theft, vandalism, and other specific perils.

Workers’ Compensation

Customize your workers’ comp policy by choosing coverage limits and options that match your workforce’s needs. This ensures that your employees receive the right benefits if they’re injured on the job.

Industry-Specific Coverage

Every industry has unique risks. Tailor your commercial insurance to your specific field, whether you’re in healthcare, construction, or hospitality. Customization ensures that your policy addresses the particular challenges your industry faces.

Consult With Us

Customizing your commercial insurance policy is not a one-size-fits-all endeavor. It requires a careful assessment of your business’s risks, assets, and industry-specific needs. By working closely with your insurance provider and understanding the various coverage types and options available, you can create a policy that provides the right protection for your business without unnecessary costs.

Don’t settle for a generic policy; make sure your insurance is as unique as your business. If you’re looking to customize a commercial insurance policy so that it meets your business’s specific needs, reach out to Worthington Carroll Agency, serving Port Jervis, NY today.

Different Ways You Can Customize Your Commercial Insurance Policy

Posted on by admin

Commercial insurance is a vital safeguard for businesses, but one size doesn’t fit all. Customization is key to ensuring that your policy adequately protects your unique needs. Here at Worthington Carroll Agency, providing insurance in the greater Port Jervis, NY region, we want to help you tailor your commercial insurance coverage to your business’s specific requirements.

Coverage Types

General Liability

This covers third-party bodily injury, property damage, and advertising injury claims. Customize your policy by specifying your desired coverage limits, endorsements, and deductibles.

Property Insurance

Protect your business’s physical assets, such as buildings, equipment, and inventory. You can customize your policy to include coverage for natural disasters, theft, vandalism, and other specific perils.

Workers’ Compensation

Customize your workers’ comp policy by choosing coverage limits and options that match your workforce’s needs. This ensures that your employees receive the right benefits if they’re injured on the job.

Industry-Specific Coverage

Every industry has unique risks. Tailor your commercial insurance to your specific field, whether you’re in healthcare, construction, or hospitality. Customization ensures that your policy addresses the particular challenges your industry faces.

Consult With Us

Customizing your commercial insurance policy is not a one-size-fits-all endeavor. It requires a careful assessment of your business’s risks, assets, and industry-specific needs. By working closely with your insurance provider and understanding the various coverage types and options available, you can create a policy that provides the right protection for your business without unnecessary costs.

Don’t settle for a generic policy; make sure your insurance is as unique as your business. If you’re looking to customize a commercial insurance policy so that it meets your business’s specific needs, reach out to Worthington Carroll Agency, serving Port Jervis, NY today.

Auto Insurance & At-fault Accidents

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Port Jervis, NY is one of the most beautiful areas in a state known for its fantastic scenery. Because of its location as a regional center for major roadways, many people choose to drive. Car insurance is a requirement in New York, although it works differently than in most other states. At Worthington Carroll Agency, we want to make sure you understand your responsibilities and help you ensure that you have the protection you need.

If I only carry the amount of auto insurance required by law, will I have protection if I am at fault in an accident?

New York Is a No-Fault State

In most states, the focus is on who caused an accident. As a no-fault state, New York puts the focus on the injured party. The advantage of a no-fault system is that the insurance can pay out promptly without waiting for people to argue about who caused a crash.

Everyone who drives in New York is required to carry Personal Injury Protection (PIP) to cover medical expenses; liability coverage to cover any harm you directly cause while driving; and uninsured motorist protection to protect you and your loved ones in case of a hit-and-run or if you are the victim of an uninsured drive. Anyone carrying the minimum legal coverage is protected when at fault in an accident.

How Much Coverage Is Enough?

If there is a lot of damage, your insurance might not cover everything. Anything over your policy limits is your responsibility. You can add protection by either getting a policy with higher limits or getting an umbrella policy.

Consult With Us

There are a lot of reasons to drive in Port Jervis, NY,  but you want to feel safe in case something happens. If you have any questions about your coverage, please call Worthington Carroll Agency today.

Why You Need to Review Your Insurance Before Starting a Home Improvement Project

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If you live in the greater Port Jervis, NY area, you can count on the local team here at the Worthington Carroll Agency. We’re proud to serve the insurance needs of our community and look forward to working with you, too. Contact us today to learn more about the ways that a major renovation project can affect your home insurance needs.

Major Improvement Projects Can Affect Your Insurance Needs

As more people make the decision to stay in their homes for longer periods of time, the number of homeowners making improvements to their properties continues to grow. However, some people overlook the need to review their home policies before starting a major remodeling project.

If you’re updating your kitchen or bathrooms or building an addition to your home, it’s important to review your home policy before any work gets started. This can help you avoid a situation where you don’t have the protection you need. As you improve your property, its value will increase. And, as you spend more time in your home, the equity you have will also increase. Add to this the general home value increases that happen over time, and you’ll likely need a higher level of coverage.

Liability protection is also a concern during the project. You’ll want to be sure that any contractors working on your property have their own liability protection in addition to your home policy providing adequate coverage.

Call or stop by today to learn more!

Worthington Carroll Agency is here for the residents of the Port Jervis, NY area. If you have questions about your home policy or any other type of insurance, we’re here to help. Give us a call or stop by today to learn more about our services.

Should I get an umbrella insurance plan in New York?

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Anyone that lives in the Port Jervis NY area will want to know that they have proper insurance, particularly insurance against personal liability risks. One of the ways you can do this is by investing in an umbrella insurance plan, which offers blanket personal liability coverage. There are a lot of reasons why getting an umbrella insurance plan is a good option for those that are here. 

Why Umbrella Insurance

Receive Blanket Coverage

A great reason to get an umbrella insurance plan is so you can receive blanket coverage. There are a lot of liability risks out there that can be hard to predict and prepare for. Some of these risks will not be covered by standard insurance plans, such as home or auto coverage. If you get an umbrella insurance plan, it will provide the support that you need in these situations. 

More Protection

An umbrella insurance plan is also a good investment as it will give you more coverage than you would otherwise have. Many liability risks involve accidents at home or on the road. While you will have some coverage, there is a limit to how much protection you can obtain. With an umbrella insurance plan, you will get the support necessary to cover even more significant claims. 

Reach Out To Us

An umbrella insurance plan is always a good investment for those that are in Port Jervis, NY. When you are ready to start evaluating your coverage options and needs, you could find that speaking with a professional and someone that you can trust is a great idea. Our team with Worthington Carroll Agency can provide you with top guidance to ensure you are able to select a quality plan. When you call us at Worthington Carroll Agency, you can obtain the support you need to build a new policy. 

Tips to stay safe during a flood

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Floods can be a dangerous natural disaster, and it is important to take the necessary safety measures to protect yourself, your family, and your belongings. Here are some tips from us at Worthington Carroll Agency for staying safe during a flood here in the Port Jervis, NY area. 

Tips to stay safe during a flood

1. Stay Informed

Find out about the potential flooding in your area by monitoring local news and weather reports. 

2. Know evacuation routes

 Have an evacuation plan mapped out in case you need to leave quickly. Make sure all family members know where they should go in case of an emergency. 

3. Identify high ground

 Identify any nearby higher ground and have a plan on how you will get there if the water starts rising rapidly. 

4. Secure your home

Move belongings to higher levels or secure them using sandbags if possible. Unplug all electrical appliances as soon as flooding starts so they can’t be damaged by water or electricity. 

5. Wear protective clothing 

When evacuating or involved in the cleanup process, wear appropriate clothing like waterproof boots, gloves, and hats to stay safe from debris or contaminated water that could cause injury or sickness. 

Reach Out To Us

By taking these simple steps ahead of time, you can help ensure your safety and the safety of others during a flood event. For more tips, give us at Worthington Carroll Agency a call today. We are proud to serve the Port Jervis, NY area and would be happy to help you find a flood insurance policy that meets both your needs and your budget. So do not wait! Call today and get protected.

Why Commercial Insurance is Essential for Small Businesses in New York

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Commercial insurance includes a set of insurance policies that are designed to protect small businesses and their owners from the unexpected. Knowledgeable insurance experts at Worthington Carroll Agency in Port Jervis, NY can answer your commercial insurance-related questions and help you choose the best insurance policy for your New York-based small business! 

Why Commercial Insurance is Essential for Small Businesses in New York 

Small business owners operating in New York have learned that running a small business can be a challenging and costly endeavor — without the proper commercial insurance protection. 

Commercial insurance can help protect business owners in New York from the following financial claims:

Property Claims 

Commercial property insurance is a business that protects the physical assets of your New York-based business. Protected items include buildings, equipment, inventory, and other business property. 

Professional Liability Claims

Covered policyholders have peace of mind knowing their small business is protected from professional liability claims. These coverages are also known as "errors and omissions" insurance which protects commercial insurance holders from legal expenses and claims that arise from mistakes or errors in the delivery of services. 

Loss of Business Income

One of the best benefits of having commercial insurance is that it helps protect your business income from financial loss.

This is especially important for new businesses just starting, where even a dollar in lost revenue can make the difference in operating or shutting down your business. 

We Can Help!

Are you a New York-based business owner looking for the best commercial insurance? Our insurance experts at Worthington Carroll Agency in Port Jervis, NY can answer your commercial insurance questions! Reach out to us today, and we’ll provide you with free insurance quotes.

Types of protection provided by auto insurance

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Auto insurance can be customized to meet your particular needs. It can be very basic, or it can offer a full array of protection options. The choice is mostly up to you. Some coverage is mandated by the state and your lender, but other than that, you choose. In Port Jervis, NY at Worthington Carroll Agency, our team of insurance experts will work with you to give you exactly the coverage you need and want. 

Auto Insurance Coverages

Liability

Liability is the type of auto insurance that is mandated by the state of New York. It is to protect other drivers from you and you from legal action. It helps with legal fees and a judgment against you.  

Comprehensive

Comprehensive protects your vehicle from a variety of different hazards including theft and vandalism. It covers deer that might damage your car and all different types of weather events. 

Collision

Collision is what it sounds like, a collision with another car or a one-car accident where you hit something other than a car. It will also cover your vehicle if you are a victim of a hit-and-run. 

Underinsured or uninsured drivers

This insurance protects you from other drivers who don’t have insurance and damage your car or if they have less insurance than is required for the damage they caused. 

Full glass coverage

This coverage replaces any broken glass on your vehicle, and there is no deductible. 

Rental vehicle coverage

With this coverage, if your vehicle is damaged and needs to be repaired, your insurance will give you a daily budget to rent a car until yours is ready to drive. 

Call Us Today

If you live in or near the Port Jervis, NY area, we at Worthington Carroll Agency would like to become your insurance provider. We provide personalized service and will work hard to find the best coverage for you. 

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