Insurance and Risk Management for NY Cemeteries
The Regan Agency is the largest insurer of cemeteries in New York, specializing in protecting cemeteries and crematories against unique risks and challenges that can undermine an operation’s reputation and business success. We provide value-added insurance solutions for cemeteries in New York, New Jersey, and Connecticut, and are proud to be active supporters of the New York State Association of Cemeteries (NYSAC), Metropolitan Cemetery Association (MCA), and the Connecticut Cemetery Association (CCA).
Insurance and Risk Management Solutions for Cemeteries
As the largest insurer of cemeteries in the Tri-State for more than 35 years, we at the Regan Agency are proud to be extending our expertise and experience beyond the New York, New Jersey, and Connecticut borders to provide cemeteries throughout the country with comprehensive insurance solutions.MemorialPro is a specialty insurance solution for cemeteries and crematories in Connecticut and New Jersey, and will be available nationwide in late 2018. The program was designed to meet the unique risks of cemeteries and to protect their valuable assets.
Insurance and Risk Management Solutions for Libraries
The Regan Agency, known for our expertise in insuring libraries, offers a specialty program – By the Cover – to insure libraries throughout New York, Connecticut and New Jersey. By late 2018, By the Cover will also be available nationwide. The comprehensive program is designed to meet the unique risks of libraries and to protect their valuable property and assets.
Obtain Comprehensive Insurance Protection for Your Business
When it comes to insuring your business, there are several options available including the ability to put your coverages together into one package Depending on your type of business, the size of your operation, revenue, where you are located, and other factors, you can opt for a Business Owners Policy (BOP) or a Commercial Package Policy (CPP). The Regan Agency offers both types of packages and will help determine which option is best for you once we conduct a thorough analysis of your operation and exposures.
Asset Protection Begins with a Strong Foundation of Liability Insurance
Whether you’re a start-up, an expanding business, or an established company with several locations, Commercial General Liability (CGL) insurance provides a first line of defense against a variety of claims. The policy offers broad coverage for third-party liability injuries, third-party property damage, product liability, and advertising injuries. It will pay for legal fees and the third-party judgment or settlement, up to the liability amount on your policy.What’s important when structuring the CGL is determining how much Liability coverage you should carry to protect your assets and what additional policies or endorsements you need to step in to fill in any coverage gaps that may exist. That’s where the professionals at Regan Agency come in.
Property Coverage from Every Angle
The stronger your business is the more you stand to lose, which is why it’s so important that the insurance coverage on your property – both on the building itself and inside – align with your exposures. The Regan Agency provides Commercial Property coverage to diverse businesses throughout the Tri-State area, working with clients to ensure their property values are accurately reflected in their insurance program and that coverage gaps are addressed. We’ve all seen the catastrophic losses businesses sustained in the wake of Super Storm Sandy and other events and how a responsive insurance program makes the difference between continued success and closing one’s doors.
Commercial Auto Policy
Businesses that own fleets, limos, trucks, or just a few company cars look to purchase Commercial Auto insurance. It’s a no-brainer. But even if your business doesn’t own any vehicles, you should carry some type of insurance. You probably have employees that use their personal vehicles to go on customer calls, visit job sites, or attend trade shows. They may even lease vehicles while out of town on business. If an employee ends up in an accident with his or her vehicle or a rental while on the job and is found to be at fault, your business could be liable. The employee’s personal auto insurance would most likely not step in to pay for any injuries to the other driver.The Regan Agency is here to help assess your Business Auto insurance needs. Depending on your operation and vehicle usage, we will secure the insurance you need for your business. This may involve comprehensive coverage or simply the addition of Non-Owned & Hired Auto insurance.
Protect Your Life’s Work with Professional Liability Insurance
Professionals – from architects and engineers to lawyers, accountants, tax auditors, funeral directors and morticians, IT consultants, and many more – all provide advice and services that people depend on. In the event an error, oversight, or negligence while performing a professional service causes financial damage to a client or other third party, General Liability insurance would not step in to pay to defend the claim or cover any settlements or awards. This exposure is specifically excluded and requires Professional Liability insurance.At the Regan Agency, we can provide you with a tailored Professional Liability policy (also known as Errors & Omission (E&O) coverage) that is specific to both your industry and business. Without this coverage, you may not be able to get a contract or work on a project, as increasingly more often than not this insurance is required to do business.
Safeguard Your Business Against Employee Disputes
The past year has put the spotlight on disturbing workplace practices throughout every industry and profession, serving as a wake-up call for all businesses. High-profile cases with harassment allegations against heavy-hitters like Harvey Weinstein, Kevin Spacey, and Steve Wynn has brought employment practices to the forefront – from the boardroom to the cubicle. Many companies, large and small, are now reviewing their HR policies and procedures to beef up best practices and help ensure a culture of safety for their employees. Along with this, there’s a renewed focus on Employment Practices Liability Insurance (EPLI), designed to help protect companies in the event of workplace-related disputes.
Cyber Liability Insurance to Protect Your Business
Data breaches are commonplace today, causing havoc on a business’s reputation along with financial damage. Additionally, cyber threats are becoming more sophisticated with phishing, social engineering, and other techniques meant to hold a company’s network hostage for ransom, disrupt a firm’s operation, steal confidential customer data, and poach intellectual property. And it doesn’t matter what size your company is or what industry you’re in. Hackers are reaching into networks of the financial services industry, healthcare, manufacturing, transportation, hospitality, education, public entities, and habitational…the list goes on.What once considered a policy for larger corporations Cyber Liability insurance today is as essential as General Liability and Property coverage are for all businesses. Without it, you are putting your company at risk for financial loss from first and third-party losses and, depending on your industry, from regulatory fines and penalties.
Delivering Workers’ Comp Solutions
Workers’ Compensation insurance is mandatory in the states of New York, New Jersey, and Connecticut as it is in the majority of the states. Workers’ Comp pays for a wide range of expenses relating to workplace injuries and illnesses. If an employee suffers an injury, his or her medical bills, wages (often partial), physical therapy, and ongoing care are paid under a Workers’ Comp policy. If a worker is killed on the job, death benefits to his or her dependents will also be provided. For many businesses, Workers’ Compensation insurance can be a significant expense. At the Regan Agency, we work with our clients to help keep premiums in line in a number of ways.
Auto Insurance with You in the Driver’s Seat
Whether you’re looking to trade in your vehicle for the latest model, insure the family SUV, or add another car for your teenage daughter, the Regan Agency will secure the Auto insurance that best meets your needs. We work with a network of leading insurance companies to find comprehensive affordable Auto policies for individuals and families throughout New York. What’s more, many of our business clients look to us to also insure their personal vehicles, knowing they can rely on our expertise and quality service.
Opening the Door to Broad Homeowners Insurance
The Regan Agency is proud to serve homeowners in the New York area, from our own backyard of Long Island to Manhattan and Westchester County as well as over the bridge to New Jersey and across state lines to our Connecticut neighbors. Since 1983, individuals and families have trusted us to protect one of their most valuable, if not, the most valuable asset they own. Not only does your home represent your hard work and financial investment, it is where your precious memories are made. We get how priceless it is to you.
Renters Insurance for What-If Moments
Many people believe because they rent an apartment, townhouse, or house they don’t have to worry about insurance, while others may simply not get around to it. In fact, stats show that 25% of individuals who rent don’t have Renter’s insurance, and this number goes up for Millennials. About six in 10 don’t carry coverage.Think about it, though. What happens if a fire destroys your furnishings, equipment, and clothes? You wouldn’t have coverage to replace these items. Sure, the property owner/landlord’s insurance would cover the cost of the building damage, but it won’t step in to cover anything you own inside your home.
Protect Your Personal Assets with Extra Coverage
You’re all set – you have Liability insurance under your Auto and Homeowners insurance to protect you and your family in the event of an accident or injury. The amount of coverage you believe is high enough to address any losses. But this is not necessarily the case in the event of a catastrophic loss or accident.What happens if there is a vehicular accident where the other driver is seriously injured? Or someone slips and falls in your backyard and is permanently incapacitated? These catastrophic losses come with lawsuits and huge settlements and awards. Your primary Liability policies, like Auto, Home, and Boat insurance, are not set up to respond to million-dollar and multi-million-dollar awards. That’s what a Personal Umbrella policy is for.
Protect Your Home, Stay Above Water with Flood Insurance
On the heels of devastating storms, whether it’s Hurricane Harvey or Super Storm Sandy, time again we see property owners grappling with the cost to repair or rebuild because they didn’t carry Flood insurance. Either they didn’t think they needed it as they were far enough from the coast, believed they were covered for flood under their Homeowners insurance, were ill-advised, or chose not to purchase the coverage.The Regan Agency, as part of our review of your insurance protection, will go over the need for Flood insurance. Homeowners insurance, as broad a program it is, does not cover flood exposures.
Offering Boat Insurance Options to Fit Your Needs
There’s nothing like a Long Island summer out on a boat – enjoying the day cruising on the Sound or the Great South Bay. Whether you’re an avid fisher, or you simply like to spend some time on the water during the warmer months, protecting your boat should be at the top of your priority list. The Regan Agency can provide you with the protection you need with comprehensive Boat insurance.