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Bryan Insurance Agency, LLC

287 Windsor Hwy, Suite 350
New Windsor, NY 12553

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What type of life insurance is right for me?

There are always going to be important insurance decisions to make for those in the New Windsor, NY area. As you are evaluating your insurance needs and options, life insurance is an important one to consider. This is a valuable form of coverage that has various options to consider, the two most common of which are term and whole life. You should consider the features of each to figure out which is ideal for your situation. 

Term Life Coverage

A form of insurance that is ideal for many people is term life insurance. When you get this coverage, you can build an insurance plan that is designed for your needs. This includes picking a plan that has a certain level of protection for a specific period of time. An advantage of this life insurance option is that the premiums tend to be affordable when compared to other types of life insurance.

Whole Life Coverage

You can also consider getting a whole life insurance plan. With this insurance, you can have coverage for as long as you want it if you continue to make your monthly payments on time. While premiums are higher, there is an investment benefit as well. With whole life coverage, some of your payments each month will accrue in an account with interest. Eventually, you are able to move funds out of this account and use them for any purpose that you want. 

As you are looking for a new life insurance plan in the New Windsor, NY area, it would be a good idea to call Bryan Insurance Agency LLC. If you do speak with Bryan Insurance Agency LLC, you can learn a lot about the different insurance options at your disposal. They can ensure you build a plan that will give you the right protection. 

Who needs to have a commercial insurance plan?

When you are in the New Windsor, NY area and start a small business, you must be properly prepared and organized. An important part of any new business formation is choosing the right insurance plan. You will need to have a commercial insurance policy for a few important reasons. 

Business with Insurance Obligations

A situation that will require many business owners to have a commercial insurance plan is if they have specific insurance needs. It is very common for businesses to enter into loan agreements, commercial rental leases, and investor equity partnership contracts. Due to the value that comes with this insurance, these agreements will almost always require the business to maintain proper insurance coverage at all times. 

Businesses Looking for Necessary Protections

A business will also need to have a commercial insurance plan if they are looking for protections necessary to cover the company against various negative situations. Today, a business may need to have commercial insurance to ensure that their business assets are covered and offset liability risk. Ultimately, one of these plans can keep a business solvent and help them avoid serious losses if a situation results in damage to a key asset or if they are named in a liability claim. 

When you live in the New Windsor, NY area and are looking to grow and develop your business, you should reach out to the Bryan Insurance Agency LLC team. Choosing commercial insurance is a major decision that you should not take lightly. When you call Bryan Insurance Agency LLC, you will get the support that is needed to fully understand your options and needs. They can then offer any support needed to choose the right plan for your situation.

Do You Need Home Insurance for Your New York Home?

Whether you recently purchased your home or you have owned it for years, it is imperative to have an adequate home insurance policy in place. While home insurance is not required in the state of New York, if you have a mortgage on your home, your lender will require you to have an active home insurance policy to protect their investment in your property. The home insurance agents at the Bryan Insurance Agency LLC, located in New Windsor, NY, can assist you.

Coverage Options for Home Insurance

A home insurance policy will cover the structure of your house as well as any outbuildings you have on your property if your home is damaged or destroyed by a fire, a natural disaster, or even an incident of vandalism.

Your home insurance will also cover all of your personal belongings, furniture, household items, appliances, and any other items you have purchased for your home if a horrible event occurs, including a break-in at your home.

Not Covered by Home Insurance

Most often, your home insurance policy will not cover your house if it is affected by an earthquake or flood. You will need to obtain additional policies to cover these types of events. You can also obtain an umbrella insurance policy that will add another layer of protection on top of the protection already provided by your home insurance policy.

To obtain the proper amount of home insurance you need and ensure your property is protected adequately, call upon the experienced and trusted home insurance agents at the Bryan Insurance Agency LLC in New Windsor, NY. Remember, it is better to be safe than sorry, and you deserve peace of mind when it comes to protecting your home.

When Should You Shop For New Auto Insurance?

Auto insurance is probably one of your most important expenses each month. Not only is this an important way to protect the investment you made into your vehicle, but it is also how you make good on the obligation you have to those in your community and other drivers. At Bryan Insurance Agency LLC, serving New Windsor, NY, we are here to make sure you can easily navigate this important expense. So, when should you shop for new auto insurance?

Adding A New Driver?

If you have a ready-to-drive teenager, you will need to add them to your insurance policy. This can change your rates dramatically. It is a good idea to start shopping around to make sure you get the best deal possible during this time. 

Getting Married

Married couples often choose to combine their auto insurance. This combination will earn you great discounts, and it will simplify your monthly expenses. Don’t forget to ask about couples discounts as well. 

Purchasing A New Car

If you are thinking about purchasing a new car, now would be a great time to compare insurance rates to ensure you are getting the best deal. If your vehicle will be financed, it is almost always required that the vehicle be fully covered. 

Annually

Even if you do not foresee any of these big changes coming up, it is still a good idea to compare rates annually. This gives you a chance to see what other companies are offering and to find out if a better deal is available for you. 

If you would like to learn more about auto insurance or any other insurance products, please contact us at Bryan Insurance Agency LLC, serving New Windsor, NY. We will be happy to answer your insurance questions today. 

Who should obtain a life insurance plan?

People that are all over the New Windsor, NY area are going to have personal insurance needs. While it is important to have personal liability coverage and protection for your most important assets, another form of important coverage to get is life insurance. There continue to be a variety of situations when someone should get a life insurance plan. 

Those That Want to Protect Dependents Financial Future

A situation when someone should get a life insurance plan is when they want to protect their dependents. When you have someone that relies on you and your income, you will want to know that they are protected if you were to pass away. With a proper life insurance plan, you will get the coverage needed to ensure their financial future is secure.

Those that Want an Alternative Investment

You should also look into getting a new life insurance plan if you are looking for an alternative investment. With a whole life insurance plan, some of your monthly payments will go into an account that will grow over time with interest. Eventually, this account will build up significantly in value and can be liquidated or used as collateral to be posted to a loan you want to take out. 

Picking a life insurance plan is very important. At the same time, it can be confusing, and getting professional support is helpful. If you are in the New Windsor, NY area, a great resource to call is the Bryan Insurance Agency LLC. If you call the team at Bryan Insurance Agency LLC, you can get the support you need to choose an insurance plan. Our team always takes a personalized approach to ensure you can build the right plan and give proper coverage. 

Hidden Auto Insurance Facts Revealed

Based in New Windsor, NY, Bryan Insurance Agency, LLC offers community residents multiple insurance policies. We strive to make the process of searching for insurance as smooth as possible for our clients. We proudly serve the community as an independent insurance agency.

Hidden Auto Insurance Facts

As you drive around New Windsor, NY and other parts of the state, auto insurance will protect you. The policy covers you in multiple ways while you are out on the road. You are covered if you are involved in an accident. Liability coverage protects you if you are held responsible for the damages sustained in the accident. Comprehensive coverage protects your vehicle if it is stolen or vandalized. While you research different policies, here is a look at some hidden auto insurance facts.

Having your own policy is more beneficial than simply relying on a group policy. It’s possible that you may have auto insurance through your employer. However, the terms of a group policy are likely more limited than the terms of an individual policy. To have more flexibility, you should research your own individual policy.

If you have special items in your car, you’ll have to add special coverage to protect those items. You’ll also have to add extra coverage if you have any custom parts or accessories installed on your vehicle. This will help you if those items are stolen or vandalized.

In some cases, your car’s ISO rating may have an impact on your policy. Your car’s ISO rating is based on its make, model, safety rating, and a few other factors. This helps determine the risks involved as you drive your car every day.

Bryan Insurance Agency, LLC will Help You Stay Safe On The Road.

Contact our office today to learn more information about auto insurance.  

4 Unique Benefits Of Workers Compensation

Bryan Insurance Agency, LLC serves the New Windsor, NY community by offering residents multiple insurance coverage types. We want to simplify the process for our clients and help them find the policies they need. We proudly serve as an independent insurance agency.

The Benefits Of Workers Compensation

As a New Windsor, NY business owner, protecting your investment is your main priority. Commercial insurance protects your business during difficult times. Commercial insurance also protects your business if you suffer property damage or your equipment is stolen or vandalized. The liability coverage gives you peace of mind if a customer is injured on your property. One of the most important benefits of commercial insurance is workers’ compensation. Workers’ compensation allows you to protect your employees and help secure the future of your business.

Medical Coverage

Workers’ compensation protects your employees if they are injured in the workplace. The policy provides coverage for their medical visits and their rehabilitation after the injury. You can amend the policy to cover different treatments and procedures to help your employees get well. The policy also covers any prescription medication that your employees may take to heal up.

Disability Coverage

Workers’ compensation covers your employees if they become disabled due to an injury in the workforce. You can amend the policy to include temporary and permanent coverage.

Alternative treatment Coverage

Workers’ compensation covers your employees to pursue alternative treatment options, such as visiting a chiropractor or taking acupuncture.

Death Benefits

If one of your employees passes away due to a workplace injury, workers’ compensation covers your business and the employee.

Bryan Insurance Agency, LLC Can Assist Help You Protect Your Business

Visit our website to learn more information about commercial insurance.

Things that aren’t covered by home insurance

Home insurance provides valuable coverage to homeowners. With all the things that can go wrong, you feel safe knowing your home insurance will be there when you need it. It protects you from many things such as fire, theft, and some natural disasters, but it doesn’t cover everything. If you read your policy, you will find that there are exclusions. With an independent agency like Bryan Insurance Agency, LLC in New Windsor, NY, you can count on having the help you need to choose your policy and file a claim. With 15 carriers to offer and our 16 years in business, we are ready to make sure you have the right coverage. 

Flood

Floods cause billions of dollars of damage every year, and if you’re counting on your home insurance to protect your largest investment, you will be disappointed. Floods are not covered. If you live in an area where floods are common or if they are a possibility, you should consider purchasing a flood insurance policy. 

Earth movement

Earth movement is a general term that encompasses several different types of natural disasters, including earthquakes, sinkholes, and mudslides. None of these are covered, but you can purchase a separate policy and, in some cases, an endorsement to get the coverage you need. 

Owner negligence

You are the homeowner. You are expected to maintain your home. If you end up with home damage resulting from your not doing what was necessary to avoid that damage, your insurance will refuse to pay. If your roof leaks due to lack of upkeep or you have termites because you don’t get your home treated, you are responsible for the damage. 

Knowledge is power and knowing what you need to protect yourself from is important. Call us at Bryan Insurance Agency, LLC in New Windsor, NY for a no-obligation quote. 

Whole vs. Term Life Insurance Coverage: Which Is Right for You?

Importance of Life Insurance

Life insurance is important to help your family to cope with a loss. It isn’t easy for families when there is a death, and having life insurance can take the financial burden and stress off some aspects of your remaining families’ lives. Term and Whole Life are two types of insurance. One is shorter term, and the other is all the way up until death. When you are deceased, whatever you choose, funds can be used for mortgage payments, funeral expenses, college tuition of children, and other support for your family.

Contact Bryan Insurance Agency, LLC of New Windsor, NY to learn more about life insurance options. Our agents will help you get the most out of your term or whole life insurance.

Choose What Works For You

It really depends on your needs and what kind of policy will work best for you and your loved ones. Fundamentally, if you have either when you are deceased, you will be covered, but there are differences. For example, whole life insurance offers a wider range of benefits that can help when you retire. Term life insurance is simple, cheap, and can be purchased for a set amount of time from 10, 20 years and up. Whole life is more expensive but has a useful cash-value account and other features. An experienced agent can help you find the right policy.

Professional Insurance in New Windsor

Contact us at Bryan Insurance Agency, LLC of New Windsor, NY. Our team of dedicated agents has years of experience helping our clients get the best life insurance policies and other types of insurance. We look forward to helping you tailor a policy that fits your needs.

What Coverages Does a Business Owners Policy (BOP) Provide?

When you launch a commercial venture, you need extensive preparation to make your business a success. You might not think of insurance as one of those must-haves, but it tops the list.

Business or commercial insurance protects your financial investment in your company. Bryan Insurance Agency, LLC of New Windsor, NY wants you to understand your options. In this article, we examine the most commonly purchased business insurance policy, the business owner’s policy (BOP).

In a BOP, you obtain three types of insurance that every business needs. By bundling the coverage together, the BOP costs less than buying each policy separately.

Your BOP policy from Bryan Insurance Agency, LLC can include liability coverage, property damage, and business interruption coverage. These three types of policy get purchased most often by businesses of every size.

This means that a BOP covers when a tornado hits your office or lightning strikes it, starting a fire. You have the insurance to pay for the damage repairs to the structure and any personal or business property inside that incurs damage. All named perils included in the policy receive this coverage.

Its liability component covers when someone slips and falls in your place of business, whether it is a storefront, a recording studio, or a public relations firm.

The business interruption coverage protects your financial future by providing for lost income when a named peril temporarily shuts down your business. The aforementioned fire, for example, would require you to close up shop at that location while you had repairs made. The business interruption component pays you for this lost operating time. This enables you to keep your employees because you can pay for them.

Find out if a BOP would work for your company by contacting us today. We want the New Windsor, NY area to thrive, and that takes adequate financial planning. Let us help you achieve that.