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What Is Commercial Insurance And What Does It Cover?

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What Is Commercial Insurance?

Commercial insurance is a type of insurance that was created to protect businesses, business owners, and employees. Commercial insurance plans protect businesses from unexpected losses, including vandalism, theft, fire, lawsuits, and others. Here is a list of the most common types of commercial insurance:

  • Property insurance. 
  • General liability
  • Workers’ compensation insurance 
  • Employment Practices Liability Insurance (EPLI)
  • Cyber liability insurance
  • Management liability insurance
  • Business Interruption insurance
  • Errors and omissions insurance 
  • Crime coverage

What Does Commercial Insurance Cover?

Unfortunately, there is no easy answer to the question about commercial insurance coverage. It is difficult to say what exactly commercial insurance covers because every business insurance policy is unique. 

However, there are common overall categories of business insurance that include liability insurance, workers’ compensation coverage, and employee benefits. Most companies need to carry general varieties to be able to engage in business operations. Those companies that deal with more unique and create issues may need to carry umbrella insurance that protects businesses against lawsuits. 

ASZ International Inc. in Westchester, NY – We Insure American Dreams, Both Big and Small

If you are a business owner running your business in Westchester, NY or any other surrounding town or area, and you are thinking of getting commercial insurance, you should contact ASZ International Inc. – an experienced insurance agency with years of experience that specializes in all types of insurance, including different types of commercial insurance as well. If you have any questions, or you want to get more information about the insurance options we offer, feel free to visit our website or give us a call. 

Is It Time to Review Your Home Insurance Policy?

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Homeowner’s insurance is an important part of owning a home in Westchester, NY, as it offers a variety of protection when damage occurs to the structure. Home insurance also offers personal liability protection in the event someone in the home damages someone else’s property or injures another individual. Because this type of insurance is so important, it must be reviewed periodically to ensure your coverage is still adequate. Here are a few instances when your policy should be reevaluated, which is something we can help you with here at ASZ International Inc.

After a Remodel or Home Add-on

When you remodel your home or increase the property’s square footage, the home’s resale value will increase. Because of this, there is a good chance that you will be left under-insured by your existing homeowner’s insurance policy.

Once the construction work has been completed, you should request that the contractor provide you with an estimate of the cost that it would take to rebuild the home after the renovation. With this estimate, you should consider increasing your dwelling coverage.

Following a Pool Installation

Swimming pools have long been known to be an insurance risk. The reason for this is due to the fact that there is a chance for diving board injuries, slips and falls, and other pool-related injuries to occur. In addition, pools are considered attractive nuisances, meaning that local children could try to use the pool without your knowledge. In the event this happens, you could still be held responsible for an injury.

Therefore, if you have a pool installed on your property, you will need to have your personal liability coverage reevaluated. In addition, you should take preventive measures to ensure your pool is safe and secure, such as having a fence with a locking gate installed around the pool.

After Efficiency Upgrades

Believe it or not, there are some upgrades that can be performed on your home that actually help reduce your homeowner’s insurance premiums. Therefore, you will want to inform your insurance company of these (and any) upgrades immediately.

Some of the most common upgrades that can help lower your premiums include a new roof, fire protection system, security monitoring system, and possibly a new HVAC system. Every insurance company is different, so make sure you check with them before simply making an upgrade in the hopes of a reduced insurance premium.

It is always good practice to reach out to us at ASZ International Inc. when any kind of renovation or upgrade is made to your Westchester, NY home. Our agents can help reevaluate your policy to ensure you have the proper coverage. For more information, contact us today!

Is Car Insurance a Good Investment?

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Yes, auto insurance is mandatory in New York, but is that the only reason you should buy auto insurance? The simple answer is no. Car insurance is a lot cooler than that. If you are asking whether car insurance is a worthwhile investment, listen as ASZ International Inc. of Westchester, NY, shows why you shouldn’t regret buying auto insurance. 

It protects your car

The simple concept of car insurance is “pay now and save later.” This means that while premiums might appear expensive now, they are a fraction of the cost it would cost to repair or replace your vehicle when calamities strike.

Car insurance protects your vehicle whether on the road or parked in your garage or driveway. Since perils like accidents, fire, theft, vandalism, and so on can damage your car, auto insurance ensures that any damage to your car is taken care of. This way, you don’t have to dip in your pockets when mishaps occur.

It shields you against liabilities

While car ownership is fun, it comes with its fair share of potential woes. For instance, if you are deemed liable for an accident, you could be accused of bodily injury and property damages. Without car insurance, your assets could be on the line. However, liability coverage on your car insurance pays for third-party claims. 

It gives you peace of mind

Driving should be fun. You shouldn’t be thinking about what would happen if you got into an accident. Investing in auto insurance enables you to drive your car confidently, knowing you are covered against mishaps. 

Buy auto insurance today

When you hear someone say that auto insurance is a waste of money, walk in the opposite direction. Auto insurance is a worthy investment that saves you countless losses if the unthinkable happens. If you are in Westchester, NY and its environs, don’t hesitate to contact ASZ International Inc. for affordable coverage.

What Does Recreational Insurance Cover?

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Do you own a boat, RV, or another recreational vehicle? What would you do if it were to be damaged or destroyed in a natural disaster or by an accident of some kind? Is vandalism a risk for you? If you answered "yes" to any of these questions, it’s time to think about adding some recreational insurance. 

RV Coverage Areas

RV coverage can include the following areas:

  • Boats and trailers
  • Motor homes
  • Water vehicles such as jet skis and waterboards

If you have any of the above types of vehicles, you will want to protect them in the event of damage or loss. Otherwise, it will all be an out-of-pocket expense to replace them.

Categories of Insurance RV Insurance Covers

You can get the following types of coverage for RVs:

  • Collision
  • Comprehensive coverage
  • Liability coverage
  • Protection for personal belongings on board, equipment, and other peripheral equipment

Additional Insurance

Some insurance companies offer additional types of coverage options including:

  • Emergency towing and equipment
  • Total loss replacement
  • Roadside coverage and towing costs
  • Underinsured/uninsured motorist coverage

Tips to Find the Best recreational insurance

  • Buy local when possible. Dealing with an insurance company in Westchester, NY such as ASZ International Inc. that you can speak to in your coverage area makes things a lot simpler when you need to file a claim or make changes to your policy. 
  • List the coverage areas you need and discuss it with a licensed agent.
  • Ask about discounts when you carry multiple insurance from the same company and other types of savings.
  • Weigh the amount of risk with the cost of premiums. If you are in a high-crime area where theft or vandalism is more likely or a flood plain, for example, you are more likely to suffer loss. 

Visit with your insurance agents that cover the Westchester, NY area for more information on recreational insurance. Don’t risk the loss of your beloved off-road vehicles and other items. ASZ International Inc. can discuss your options with you and show you a plan that fits your needs and your budget. 

Contact us today for more information.

3 Benefits of Renters Insurance

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When you are looking for an apartment or condo to rent in Westchester, NY, renters insurance may not be at the back of your mind. However, you should, because renters insurance from ASZ International Inc. offers numerous benefits. Here are some benefits you accrue when you invest in renters insurance.

Property protection

Renters insurance protects your assets, including clothing, furniture, electronics, and other assets in your dwelling. And the beauty of renters insurance is that it protects your assets even when stolen outside your apartment. For instance, if someone breaks into your car and steals your laptop, renters insurance should compensate you.

If you are a tenant and don’t have renters insurance, you better purchase coverage today. Since your landlord’s policy doesn’t cover your belongings, renters insurance ensures that you don’t have to start from scratch when your assets are lost or damaged. 

Personal liability coverage

Nobody wants to cause bodily injury or property damage to their neighbors. Unfortunately, these things happen — and either you or a member of your family could be liable. Fortunately, if you have liability coverage, you don’t have to worry much about third-party costs that may arise for damages you cause to other people.

Loss of use coverage

When disasters strike, you have little time to prepare. If a covered peril makes your rented dwelling uninhabitable, your renter’s insurance covers additional living expenses like hotel food and accommodation. This way, you don’t have to ask for favors from your friends as you wait for your apartment to be fixed.

The bottom line

As you can see, renters’ insurance benefits far outweigh the costs. Instead of tossing the coin and hoping that nothing wrong will happen to your valuables, it’s pivotal to purchase renters insurance. This way, you will have peace of mind knowing that you and your assets are cared for. 

If you are in Westchester, NY, looking for renters insurance, you can’t go wrong with ASZ International Inc. Contact us today to start a stress-free renting journey. 

Is motorcycle insurance required in New York?

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Not many people know that motorcycle insurance isn’t a requirement in every state. However, it’s required in forty-nine out of fifty states. Also, the coverage amounts vary from state to state. However, New York is one of the states that require cyclists to carry motorcycle insurance to legally drive in the state. ASZ International Inc. of Westchester, NY takes pride in educating New York cyclists on the coverage requirements that must be met to legally operate their motorcycles in New York. 

New York Motorcycle Insurance Requirements

New York cyclists are required to carry liability insurance just like auto drivers are required to carry liability insurance. However, unlike automobile insurance requirements in the state of New York, motorcycle operators aren’t required to carry personal injury protection or uninsured/underinsured motorist insurance. The state requirements for liability insurance for motorcyclists include property damage, death, and body injury liability coverage. The state minimums include $25K per person and $50K per accident for bodily injury. Death liability requirements are $50K per person and $100K per accident. Property damage liability is $10K. Of course, motorcycle operators can carry more than the minimum coverage amounts but never less than the state minimum liability requirements. 

Other Important Details

New York motorcycle owners and operators must insure their motorcycles with the New York state minimum coverage amounts before they can register their motorcycles in the state of New York. To legally register your motorcycle in the state of New York, you must meet the minimum New York state-issued insurance requirements to legally operate your motorcycle in New York. Motorists who have questions about motorcycle insurance should reach out to ASZ International Inc. of Westchester, NY. We’re here to answer any and all of your questions. Give us a call. We’re standing by.  

Explaining The Benefits Of Boat Insurance

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ASZ International Inc. provides coverage to the Westchester, NY community. We treat our clients like family. Establishing these personal relationships makes it easier for us to make sure that our clients find the policies they need to protect their assets. We will work with you to help make your life a little easier.

The Benefits Of Boat Insurance

During warm summer days in Westchester, NY, you may be one of the thousands of people who enjoy heading down by the lake to enjoy some fun. If you plan on operating your boat, you should be aware that you face possible risks on the water. That’s why boat insurance is an asset.

Boat insurance gives you a layer of security while you’re out on the water. The policy covers any physical damage to your boat due to a collision. You can also add extra coverage so that you are protected if your boat is damaged due to a natural disaster, severe weather, or a flying object.

Boat insurance also includes liability protection. If you have guests on your boat, liability protection covers you if someone gets injured. If you cause accidental damage to someone else’s property, you are also protected. You can add extra coverage to protect any accessories you have on your boats, such as an anchor or custom equipment. Extra coverage ensures that those items are fully protected if something happens.

You can also add emergency assistance coverage. This protects you if your boat suffers engine failure or another mechanical issue that you’ll receive urgent help. While you’re out on the water, remember that you’re not completely covered if you operate your boat in certain areas.  Your policy will outline the places that are off-limits based on your coverage.

ASZ International Inc. Will Help You Find Coverage

Visit our website to learn more information about boat insurance.

Types of umbrella insurance

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An umbrella insurance coverage safeguards you by adding additional liability protection against judgments in lawsuits that transcend the security of your automobile and homeowners policies. New York has diverse needs when it comes to insurance coverage. Umbrella insurance can offer even more liability coverage to save you money if you are deemed liable for a prevailing accident or loss. Connect with our agents at ASZ International Inc. and get customizable umbrella insurance quotes that help you save.

Umbrella Options

In today’s litigious society we live in, especially in Westchester, NY, it’s prudent to possess as much liability insurance you can afford. Umbrella insurance policy is a pivotal investment that can safeguard you from the possibility of financial ruin. Many New York residents think that acquiring an umbrella insurance policy is expensive. But this is not the case because it’s affordable depending on the amount of protection you receive.

Suppose the liability limits are depleted on your homeowners, automobile, or other primary insurance policies; your umbrella insurance kicks in and provides you with additional protection. Visit us today at ASZ International Inc. offices and speak to our compassionate agents who will help you get an outstanding umbrella insurance policy matching your needs and budgetary allocation.

Types of umbrella insurance policies.

Umbrella insurance policy protects you from lawsuits and very outrageous claims. It also extends coverage in the following areas:

  • Bodily injury coverage: If a guest experiences an accident while on your property, such as dog bites, umbrella insurance will help cater to medical costs or lawsuit fees that supersede the limit of your auto and homeowners policies.
  • Injury to reputation coverage: It protects against scenarios such as defamation, slander, and libel. If you bruise a third party’s reputation, whether in person or through a social media platform, he/she may slap with an expensive lawsuit. If you lose these lawsuits, umbrella insurance comes into play and protects you.
  • Property damages coverage: If you are engaged in an accident and repair cost transcends your automobile insurance liability, an umbrella insurance policy kicks in and settles the remaining charges. It also protects your rented equipment.
  • Court costs: Umbrella insurance policy is tailored to pay your lawyer fees when you have to defend yourself in a lawsuit.

Call us or visit ASZ International Inc., located in Westchester, NY, for more information about umbrella insurance.

Why you should not wait till the rainy season to buy flood insurance

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Worries and uncertainty mar the onset of a rainy season in Westchester, NY. From icy cold weather to destructive floods, homeowners have a lot on their plate and have to find ways to prepare and stay comfortable throughout the season. Flood insurance may be what stands between you and the devastating financial losses caused by floodwater when it comes to floods. So, why should you buy your policy early enough? Here are a few critical reasons.

Flood insurance comes with a waiting period.

Unlike most policies that take effect immediately, flood insurance has a waiting period of 30 days. Despite covering an emergency, flood insurance can be unreliable if you don’t buy on time. For instance, if your home and valuables are damaged in a flooding event within the 30 days waiting period, you will not be compensated.  At ASZ International, Inc, we recommend buying flood insurance on time, especially if you live in a high-risk flood area.

Floods are destructive; it might just be too late.

A lot may happen between the time you buy your policy and the time it takes effect. Many flooding events come unannounced, and it only takes a few minutes for flood water to destroy everything you worked hard to get. In such a case, you may be at the losing end, particularly if you are rendered homeless by floods. Remember your insurance policy may not provide any payout until the policy matures.

Damage done during the waiting period is not covered.

By now, you understand how essential timing is. While many insurance companies in Westchester, NY allow you to buy insurance during the rainy season, the waiting period remains, and it will only be effective after the waiting period.

Don’t be a last-minute policy buyer. Let ASZ International, Inc help protect your property and loved ones from floods. Contact us for a good deal.

Should I get condo insurance in Westchester?

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Anyone who lives in the Bergen, NJ or Westchester, NY will know how strong the real estate market is in this area. If you would like to buy and own a property here, a good option to consider is to buy a condo. Those that own condos will benefit from having onsite amenities and other benefits. If you would like to purchase a home in this area, you need to make sure that you get proper insurance through a condo insurance policy.

Insurance Will Protect Assets

You will need to get a condo insurance plan because it can protect your assets. If you are going to buy a home, you will be making a major investment that needs to be protected as well as possible. Those that invest in a condo insurance plan will get the coverage they need to repair their condo or even replace their personal assets.

Insurance is Required

It would be best to have a condo insurance plan because it could be a requirement for you. Those who buy a condo will likely have insurance requirements set by both their mortgage lender and their home association. It is important to know and follow these rules. If you cannot comply with these agreements, it could lead to a violation and penalization. 

If you would like to purchase a condo in the Westchester, NY area and are looking for a condo insurance plan, it would be wise to call ASZ International, Inc. The insurance professionals with ASZ International, Inc. understand this coverage’s value and will work hard to ensure that you get proper coverage for your situation. We can do this by assessing your needs and options to find the ideal policy. 


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