Your vehicles keep your business moving. Your drivers are like your family. You want to make sure that they are protected when the unthinkable happens. Do employees use their personal vehicles for your business? Do you use your personal vehicle for your business? Every business is different. Let us help you understand the exposures and how insurance can transfer the risk from your business to the insurance company.
You own the building where others pay you rent to live. That rent is income that you count on for you and your family. When your building is damaged or destroyed, you need to get it back to its original condition as soon as possible for your tenants as well as the welfare of your family. What if someone falls walking up the walk to the building? Landlords insurance can provide defense if you are sued or help you get your building rebuilt after it is destroyed or damaged. Let us help you find the proper coverage for your building.
Schenk & Miles Agency, Inc. represents major and regional insurance carriers including:
Like auto insurance you want to get back on the road quickly if your bike is damaged or destroyed by accident, fire, theft or other covered incident. We have several carriers that can provide coverage to help you do just that. You may also be able to save money on the cost if your bike is stored in a garage, if you belong to certain rider groups, or if you have taken a safe rider course sponsored by the Motorcycle Safety Foundation. Stop in or call and let us check to see what discounts you might qualify for.
You have a lot of stuff that is important to you - your clothes, your furniture, your entertainment system and computer as well as the everyday items such as the towels, pillows, dishes and silverware and cleaning supplies. You didn't buy these things all at once. Chances are you have acquired them over time. But what if you lost everything and had to replace them all at once? What impact would that have on your budget? We can help you find coverage options that will protect you and your family as well as your personal property.
Did you know that homeowner's insurance doesn't cover flooding? In 1968 The National Flood Insurance Program (NFIP) was created by Congress to help property owners protect themselves from financial devastation as a result of flooding associated with hurricanes, tropical storms, ice jams and other conditions, or just heavy rain. Flood insurance is offered to homeowners, renters, and business owners if their community participates in the NFIP. We can help you get the coverage you need.
Your home is the center of your life, and likely your most valuable asset. When your home is damaged or destroyed, you need your claim settled by an insurance company that understands and will get you back in your home as soon as possible. We can help you find the homeowner's insurance that will provide the best coverage and service for your home and belongings at the best possible price whether you want the bare basics of a Residential Fire policy or all the bells and whistles.
Own a commercial building? There are many types of business property insurance that can cover losses of those buildings, inventory, equipment, tools and those things that keep your business running. Whether you need just a basic commercial property policy or specialized coverage, we take pride in reviewing your options and comparing protection and prices with multiple companies to find the best value for your business.
The right auto insurance policy can help you get back on the road quickly if your car is damaged or destroyed by accident, fire, theft, or other covered event. Your policy may also provide protection against medical and legal expenses resulting from injury, loss of life, or property damage caused by an accident involving your vehicle. An auto insurance policy is a contract between you and an insurance company. You pay a premium, and in exchange, the insurance company promises to pay for specific vehicle-related financial losses during the term of the policy. We will work with you to determine the best coverage for you.
No one wants to think about needing these insurances. But what would the consequences to your family be without them? Whether you need life insurance or long term care insurance or both, we are here to review your needs and design the best plan for your insurance dollars. By representing multiple companies we are able to offer you choices, not just one policy offered by one company.
Upstate New York offers many ways to play outdoors. Whether you are hitting the woods, the trails, the lakes or the links, or just enjoying the open air, the last thing you want to worry about is your insurance protection. Many national, state and local parks now require insurance protection if using your "toys" in the parks. We have several options, many of which cost pennies a day to help you enjoy the water or the land and protects you, your friends and family, and your toys. For just a few minutes of your time and a few dollars from your pocket we can have you enjoying your free time without worrying about insurance coverage.