Skip to content
Click to Call
Worthington Carroll Agency

169 Jersey Ave
Port Jervis, NY 12771

Get Directions

Worthington Carroll Agency Blog

Author: admin

Why Commercial Insurance is Essential for Small Businesses in New York

Posted on by admin

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

Posted on by admin

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. 

Why should I get an umbrella insurance plan?

Posted on by admin

If you are in the Bay Area, CA area, you will likely be aware that you have some personal liability risks. Due to this, having insurance that can help to reduce this exposure is very important. One of the ways this can be done is by getting umbrella insurance as it offers blanket coverage. There are many reasons to get an umbrella plan when you are here. 

Reduce Risks of Major Claim

Most people will have some liability risk support through their home and auto insurance policies. While this can be a good start, there is a chance you could cause an accident that will cause serious damage that exceeds your policy limits. If this occurs, having an umbrella plan is a good option as it will give you the additional support you need on top of your base insurance plan. 

Broad Coverage

It is also a good idea to have an umbrella plan as it can offer broad coverage. If you have home or auto coverage, liability insurance will offer some helpful support. However, it is limited to accidents that involve those assets. If you are insured with a full umbrella plan, you will have blanket coverage. This can ensure you are supported for claims that would not be covered by other insurance plans you have in place. 

We Are Here To Help!

If you are in the Bay Area CA area, you will want to know that you are properly covering your liability risks. One of the best ways to start this process is by calling our professionals at Wai Cheng Insurance Inc. There are always going to be a lot of risks, and our team with Wai Cheng Insurance Inc. can help you mitigate them by giving support to build your next umbrella insurance plan. 

How Home Insurance Protects You

Posted on by admin

When you are a homeowner, there are a lot of things that have to be done to protect your home and keep it running. One of these is to get home insurance from the first day that you own your home. Home insurance is required by virtually all lenders, and it’s usually required by homeowners associations as well. When you have this insurance, it offers you a number of types of coverage to protect you in multiple ways.

When you’re in need of home insurance, call us at Worthington Carroll Agency in Port Jervis, NY.

Home Coverage

One of the ways that home insurance protects you is that it protects the home itself. It covers the home so that certain repairs can be paid for by the policy after the home has been damaged in a covered event. Home insurance covers you against a wide range of potential risks that can happen to a home and cause it to be damaged. When damage does happen from a covered disaster or other incidents, there may be tens of thousands due for repairs to get the home back to normal. Having home insurance makes it possible to get all of those repairs done without causing your immense financial pain. 

Belongings Coverage

It isn’t just your home that can be damaged in a covered incident. It’s also the items that are inside your home. Home insurance also covers your belongings against the same incidents that your home is covered for. The items in your home can add up to an enormous amount of value. Without home insurance, you could be left having to get everything replaced on your own instead of having a home policy pay for those replacements. 

Get Home Insurance 

If you’re without home insurance, it’s time to call us at Worthington Carroll Agency in Port Jervis, NY. 

  • Foremost
  • National General Insurance company
  • New York Central Mutual
  • The Hartford
  • Travelers Insurance co.

Insurance Quotes
as easy as

  • 1

Getting Sarted

Begin your quote by clicking on the get started button below.

  • 2

Providing Information

Fill in the form to help us provide you with the best possible quote.

  • 3

Acquiring Your Quote

Our system will evaluate your information and quickly present a quote.

Get to Know Us

Our Services

Servicing States

  • New York
  • New Jersey
  • Pennsylvania

Testimonials