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Save money with quick, economical and honest insurance from A. E. Smal & Co.
A. E. Smal & Co. offers several far-reaching insurance services for both the individual as well as for businesses. The reasons why A. E. Smal & Co. stands out from other insurance companies are:
- A variety of plans and options in each category that can be tailored to suit every lifestyle and need
- Low premiums but with wider coverage
- Broader coverage options offered free or at discounts that other insurance companies may charge heavily for
- Swift, trustworthy service
- Discounts on combined policies
We take care to analyze every insurance need thoroughly before deciding on a policy. We will patiently explain your insurance terms and conditions and answer your questions and alert you when you are eligible for reimbursement.
Here are a few personal insurance services from A. E. Smal & Co., designed to make your life secure and happy.
Auto Insurance:
A. E. Smal & Co. offers all-inclusive auto insurance for most drivers and vehicles with flexible rates, low down payments and low premiums.
We have automobile policies for Bodily Injury (BI), Property Damage (PD), Personal Injury Protection (PIP), Uninsured and Underinsured Property Damage (UNDPD, UMPD, UNDUM and UM), Physical Damage Liability that includes Comprehensive and Collision policies (COMP and COLL), Medical Payments (MEDPM), Accidental Death Benefit (ADB), GAP insurance, No-Fault insurance and many more.
Home Owner’s Insurance:
Building a new home or moving to a new neighborhood are decisions that will provide you joy and delight, provided your new abode is appropriately insured.
A. E. Smal & Co. is here to make your dwelling safer and help you save money in the process. We offer you higher deductibles and lower premiums in our comprehensive group of home insurance policies. We gift you with discounts if you have installed protections like burglar alarms, smoke detectors and water sprinklers.
On all insurance policies from HO-1 to HO-8 and Dwelling Fire policy, we create an inventory of your possessions and help you decide when you should reevaluate your properties.
We even offer flood insurance, renter’s insurance, medical expenses for you and your guests in case of harm, extended coverage for your jewelry, computers, coverage during construction etc.
Boat Insurance:
Boat insurance policies from A. E. Smal & Co. cover all kinds of Personal Watercraft like yachts, wind surfers, jet skis, sail boats, power boats, dinghies or trailers.
We have a wide range of policies including Third Party Insurance and Comprehensive Insurance. Our insurance policies, in general, indemnify you against accidents, theft of your boat or vandalism. We also cover you for physical damage to the boat, equipment and furniture used on the boat and medical expenses for people on board in case of injury.
Personal Umbrella:
A. E. Smal & Co. provides Personal Umbrella insurance that provides you extra coverage over and above other insurance policies and financial protection when faced with libels and lawsuits.
For instance, if you are found liable for more than your boat or automobile insurance, your Personal Umbrella will cover the excess. In such cases, if you do not have a Personal Umbrella, you will be personally bound to pay the differences and risk selling your assets.
With the risk of accidents at home / work increasing day-by-day, you can benefit from taking a personal umbrella, especially if you have pets, a young driver at home or facilities like swimming pool and recreational vehicles like boats.
Life Insurance:
Insure the most important asset for you and your loved ones – your Life.
We have Term Life Insurance, Permanent Insurance, Whole Life Insurance, Limited-Pay Life Insurance, Universal Life Coverage, Critical Illness Protection, Endowment and Accidental Death Insurance policies that will provide your beneficiaries with financial security at times of need.
Health Insurance:
A. E. Smal & Co. ensures that you and your family will receive the healthcare that you require on facing any illness or injury. All you need to do is purchase one of our comprehensive insurance policies that provides financial security to undergo tests, treatments, vaccinations and other medical therapies should the need arise.
We provide adequate health insurance covers that will provide you with more benefits, more protection and less premiums. We offer individual, family and group health insurance, short-term health insurance, dental insurance, international travel insurance and more.
To purchase or know more about any Personal Insurance policy, do call : 973-761-7500 now.
Expansive coverage and swift claims clearance from A. E. Smal & Co:
The following are commercial insurance services from A. E. Smal & Co:
Business Owners Insurance:
Business Owners policies from A. E. Smal & Co. is a package that basically provide 3 types of cover – Property insurance, Liability insurance and Worker’s Compensation.
For a combined package of Business Owner’s Policy A. E. Smal & Co. offers lower premiums and down-payments that are cost-effective.
These insurance policies indemnify you against damage to office vehicles, premises, equipment, cargo and inventory, medical expenses and loss of wages for employees and losses incurred due to fire or crime.
A. E. Smal & Co. provides a variety of policies for small, medium and large-sized businesses. For each organization, A. E. Smal & Co. takes care to adapt the policy to fit perfectly with the operating conditions and individual requirements.
Commercial Auto Insurance:
A. E. Smal & Co. offers insurance for any kind of commercial vehicle such as vans, trucks, trailers etc. We help lessen the financial impact and provide you flexible, affordable coverage.
A. E. Smal & Co. provides Liability Coverage, Collision Coverage, Comprehensive Coverage and Rental Reimbursement Coverage plans to safeguard your business from financial predicaments due to accidents, theft or any damage to the commercial vehicles. We determine the kinds of vehicles used, frequency of usage and purpose of usage before molding the insurance policy to match your needs.
Workers Compensation Insurance:
Workers Compensation plans from A. E. Smal & Co. provide for medical care and reimbursements against loss of pay for employees injured in the workplace.
The insurance claims will be handled by A. E. Smal & Co. in a timely manner to ensure that both the employer and the injured employee do not suffer financial hardships. These also protect the employer against libels and lawsuits and improve the work environment in any business.
General Liability insurance (CGL):
This is a basic Commercial insurance that provides coverage for accidents, injuries, theft, medical expenses to employees, damages to equipment and furnishings that may occur at your business premises or at your customer location. They cover advertising injuries but exclude liabilities incurred due to flaws in delivery of your professional services.
A. E. Smal & Co. offers you wider coverage with options that other companies may underwrite. We offer our comprehensive general liability policies at lower premiums and provide you with discounts if you take multiple commercial policies with us.
Our hassle-free quick service has always been appreciated by our clients who continue to renew and purchase their commercial policies with us.
Business Commercial Umbrella:
The Commercial Umbrella provides coverage over and above other liability policies such as General liability, Automobile insurance and Business Owners insurance. For example, an accident involving your commercial vehicle may leave you liable to pay damages that exceed your Automobile insurance coverage. This excess liability will be covered under the Commercial Umbrella insurance.
Typical coverage under Commercial Umbrella includes claims from libels / lawsuits, advertising damages, damages due to non-owned / hired automobiles, watercraft, aircraft and liabilities above underlying insurance.
It is a complex task to ensure that the coverage issued fulfills the clients needs completely. A. E. Smal & Co. issues Commercial Umbrella coverage completely and efficiently without leaving way for problems and uncertainties. The coverage and limits vary for each state and you can get the complete details from A. E. Smal & Co.
To purchase or know more about any Commercial Insurance policy, do call : 973-761-7500 now. |
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