Spain Agency Inc

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Extra Phones: Phone: (914) 765-0537
Other Link: http://spainins.com
Categories: Insurance, Auto Insurance, Boat & Marine Insurance, Business & Commercial Insurance, Homeowners Insurance, Liability & Malpractice Insurance, Workers Compensation & Disability Insurance

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Phone: (914) 765-0982

Address: 4 Miller Rd, Mahopac, NY 10541

Auto Insurance
Boat Insurance
Our umbrella insurance policy provides additional liability coverage above the limits of your homeowners, renters, auto, or boat insurance policies. This protection is designed to kick in when the liability on these other policies has been exhausted. Additionally, umbrella policies provide coverage for claims that may be excluded in your current policies such as false arrest, libel or slander, and liability coverage on rental units you own.
Inland Marine Insurance
Inland Marine Insurance provides coverage for goods in domestic transit, goods of bailees’ customers, moveable equipment, and unusual property. Property of certain dealers and instrumentalities of communication and transportation are also covered. In short, inland marine insurance provides coverage for loss exposures that cannot be conveniently or reasonably confined to a fixed location. A bailee is any person or business that accepts the property of others for a specific purpose. Instrumentalities of communication and transportation are properties essential to communication or transportation. Properties that may come under this class are radio and television equipment, bridges, roads, tunnels, pipelines and piers.

Home Insurance
We will help you protect your investment with a comprehensive homeowners plan. We will evaluate your protection needs for your home, other structures on the property, personal belongings, living expenses, personal legal liability, home replacement guarantee and replacement cost coverage.

Disability Insurance
Our disability insurance can help you plan for the unexpected. Whether you need to supplement your current coverage or build a comprehensive disability program, our Advisors are here to help!

Professional Liability Insurance
Professional liability insurance may take on different forms and names depending on the profession. For example, in reference to medical professions it is called malpractice insurance, while errors and omissions (E&O) insurance is used by consultants, brokers and lawyers. Other professions that commonly purchase professional liability insurance include accounting and financial services, construction and maintenance (general contractors, plumbers, etc., many of whom are also surety bonded), and transport. Some charities and other nonprofits/NGOs are also professional-liability insured.
Builders Risk Insurance
Indemnifies for loss of or damage to a building under construction. Insurance is normally written for a specified amount on the building and applies only in the course of construction. Coverage customarily includes fire and extended coverage and vandalism and malicious mischief. Builders risk coverage can be extended to a “special” form as well. The builders risk policy also may include coverage for items in transit to the construction site (up to a certain percentage of value) and items stored at the site.

Liability Insurance
Umbrella liability insurance provides excess liability coverage over several of the insured’s primary liability policies. Most umbrella liability policies provide coverage that is broader than the insured’s primary policies. An excess liability policy may be what is called a following form policy, which means it is subject to the same terms as the underlying policies; it may be a self-contained policy, which means it is subject to its own terms only; or it may be a combination of these two types of excess policies. Umbrella policies have three functions: (1) To provide additional limits above the each occurrence limit of the insured’s primary policies; (2) To take the place of primary insurance when primary aggregate limits are reduced or exhausted; and (3) To provide broader coverage for some claims that would not be covered by the insured’s primary insurance policies, which would be subject to the policy retention. Most umbrella liability policies contain one comprehensive insuring agreement. The agreement usually states it will pay the ultimate net loss, which is the total amount in excess of the primary limit for which the insured becomes legally obligated to pay for damages of bodily injury, property damage, personal injury, and advertising injury.

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