- Auto InsuranceAn umbrella policy is excess liability insurance coverage over and above that which is covered by basic homeowner or automobile insurance. In picking up where homeowner and automobile policies leave off, it is an extra layer of protection against lawsuits resulting from damage to someone else’s property or injuries as the result of an accident. It also protects against false claims and intentional acts such as libel, slander and vandalism by minors, and covers false arrest, wrongful entry, invasion of privacy and more.
- Boat Insurance
- Home InsuranceCall a BTS Insurance Client Consultant to have your Coastal Home Insurance reviewed, as the risk appetite for each carrier is constantly changing. Given your home’s geographic area and FEMA Flood Zone, we can provide options and illustrate our potential solutions for Home, Flood, Excess Flood, and “Difference in Conditions” Flood Enhancement when available.
- Life InsuranceNew York Department of Financial Services Emergency Regulation for COVID-19 Pertaining to Holders of Life Insurance Policies and Annuity Contracts in New York - BTS Insurance
- Commercial Liability InsuranceIf you are a small business, only certain types of commercial lines property/casualty insurance policies are covered by these amendments, generally including property, fire, commercial general liability, special multiperil, medical malpractice, workers’ compensation, commercial auto (including livery and other for-hire vehicles), and commercial umbrella insurance. A business qualifies as a “small business” if it is resident in New York State, is independently owned and operated, and employs 100 or fewer individuals. If you are a small business and an affected policyholder, please contact your insurer or broker if you are uncertain whether your policy is covered.
- Builders Risk InsuranceBuilder’s Risk Insurance is a special type of property insurance which indemnifies against damage to buildings and materials while under construction. Builders risk covers perils such as fire, wind, theft and vandalism. Coverage is typically during the construction period only, and is intended to terminate when the work has been completed and the property is ready for use or occupancy. Once the home is completed the new owner will take out permanent property insurance on the building such as a Homeowner’s policy.
- Liability InsuranceWorldwide Liability. Whether provided via the auto or umbrella policy, some of our key partners provide Worldwide Liability including National and International rentals. With a few geographic exceptions, International car rentals can be covered by select domestic insurance carriers.
- Flood InsuranceFlooding is the most common natural disaster, yet flood damage is not covered by a traditional Homeowners policy. The Eastern sea board has become an area of concern in recent years for both insurers and homeowners. We are well versed in the topics of Flood Insurance, Elevation Certificates, and placing Coastal Homes with the best possible market for the primary insurance.