Everyone needs insurance to protect their major investments including your property, possessions, and business interests. Locally, Grillo & Associates has long been among the most trusted insurance companies on Long Island, providing personalized coverage for our clients. We customize policies including General Liability Insurance for Small Businesses, Renters Insurance in New York, Homeowners Insurance for Nassau County NY residents (and Suffolk, too!), as well as Flood Insurance in New York. Founded in 1989, our professionals have provided guidance to thousands of Long Islanders, as well as residents in additional states nationwide. We take pride in finding the right coverage to meet your specific needs as well as your budget.
Especially if you own a business, there are numerous considerations to be assured that your firm is completely covered. You would expect to carry a Business Owner’s Insurance Policy and General Liability Business Insurance. If your enterprise has a fleet of leased or owned vehicles, then Commercial Vehicle Insurance is a must. And, if you have employees, having Workers Compensation Insurance is an imperative. That’s why, in addition to liability business insurance, Grillo & Associates offers a wide range of specialty lines insurance policies, from the top names in coverage such as The Hartford, Progressive, Travelers, Nationwide, and many more.
Just as no one policy will be appropriate for everyone, it is important to carry coverages tailored just for your specific profession. For example, Errors and Malpractice Insurance is designed for legal and medical professionals while Employed Lawyer’s Professional Liability coverage will safeguard law practices with more than one attorney. Accountants have their own specialty lines insurance policy: Account Professional Liability. There are insurance policies for many other types of employment under Professional Liability for Specified Professionals which offer protection from issues many business owners may be unaware of, and therefore unprepared for. Grillo & Associates recommends that you contact our brokers to discuss your specific coverage options. It is also important to note that today, every business needs to consider protection for your customers’ and clients’ personal data with coverage for Cyber Security Liability/Private Computer Management Liability. Again, just give us a call and we’ll be glad to advise you.
Homeowners, condo and co-op owners as well as tenants should carry a policy that protects their assets against a broad range of perils including those caused by temperature fluctuations, storms and other natural forces, fires, faulty plumbing and electrical systems, vehicles, etc. Be it Renters Insurance in New York, Homeowners Insurance for Nassau County NY, and Suffolk County NY residents, as well as Flood Insurance in New York, Grillo & Associates will be pleased to assist you in locating a policy that offers appropriate coverage for every contingency. There are so many options, that a consultation is advised to make sure that you and your assets are completely covered. For example, suppose you currently have an Actual Cash Value policy that was sufficient years ago when you were just starting out. In that case, you might want to upgrade to a Replacement Cost Insurance policy now that you have a larger home and family members with computers, sporting equipment, jewelry, furs, and more. And, if you have recently renovated your home and possibly added an extension and significantly more square footage overall, your policy limits will definitely need to be increased.
It is completely understandable if you are not fully aware of what coverages you may already have or may need to add for complete peace of mind. That is where our clients value our services most. At Grillo & Associates, everyone is a friend and we treat every client like family. You may not realize, for example, that the flooding covered under your homeowners’ policy refers to plumbing-related issues, not flooding caused by a storm surge or overflow from a nearby body of water. Especially if you live along Long Island’s shoreline, having a separate policy for Flood Insurance in New York is a must. We recommend that you contact our team at our new office location in North Bellmore, to go over your current policies and to see if any adjustments and/or upgrades are needed. If you’d like, our website offers an INSTA-Quote feature so you’ll quickly obtain a homeowners’ general liability or Auto insurance quote.
Additionally, our recent merger with Newbridge and Patriot coverages means that Grillo & Associates has access to an expanded range of products, resources, and services. Each can be tailored to meet your customized needs. In fact, this posting has only touched on the broad sweep of coverages our professionals can offer you as a tenant, homeowner, or business owner. Remember, it is always better to be prepared than to discover, after a loss, that your coverage is inadequate. For your complete peace of mind, contact Grillo & Associates to schedule your confidential insurance consultation today!
