PERSONAL INSURANCE

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ALLOW GOLD RIVER INSURANCE PROTECT YOU FROM UNFORSEEN CONTIGENCIES

Our Personal Insurance covers  all types of personal contingencies.

 

PERSONAL INSURANCE

Gold River Insurance is proud to support our local business community. We’ve served as a true partner in meeting the goals of businesses that contribute to the economy right here at home, providing our neighbors with not only outstanding services but also job opportunities.

Gold River personal insurance specialists are here to meet the needs of all your personal property & casualty insurance needs. We can offer coverage for personal auto, homeowner’s, renter’s, or condo insurance for your residence. In addition, we also offer many different types of supplementary coverage such as flood or earthquake.

Our capabilities extend to any type of personal or recreational vehicle. These coverages include but are not limited to: auto, motorcycle, motor home, boat or marine, and personal watercraft. If you are in the market for a personal umbrella policy, Gold River is your go-to source.

 

DWELLING FIRE 

HOMEOWNER INSURANCE

CONDO POLICY

VACANT BUILDING

 

RENTERS POLICY

OWNER/TENANT

WORKERS’S COMPENSATION

 

DWELLING FIRE

Dwelling Fire Insurance protects home against the perils specifically named in the policy. Many common causes of damage, such as fire, hail, and lightning, are usually listed as covered “named peril” in a Dwelling Fire Policy. If something other than the named peril causes damage to the home, the policy does not cover the loss. It is important to know that Dwelling Fire Insurance is not broad form coverage, as a HO3 Homeowner Policy. The HO3 is all risk coverage unless specific exclusions are listed.

 Dwelling Fire Policy Forms Two and Three provide coverage on a replacement cost basis in the event of a loss. The DWG – 1 is on an actual cash value basis in the event of a loss. This means that you will be paid for the actual cash value of your home and other structures that are destroyed or damaged due to a covered loss. 

  HOW MUCH COVERAGE WILL I NEED?

 We will assist you in determining your replacement coverage , which may be quite different from the price you paid for the home. We will use some of the following information to determine the amount of coverage you need for dwelling coverage:

  • Replacement costs estimators supplied by carrier we are quoting
  • Current or most recent appraisal
  • Your square footage vs. purchase price vs. mortgage lender’s requirement figure is used to help formulate coverage required.
  • Whether currently insured limits on existing policy can be reviewed
  • If this is a house, our agents will assist you in contacting your lender regarding insurance requirements for both building and flood.   
                                            

  WHAT IS COVERED?

 Named Perils : Burglary, Vandalism, Fire, Windstorms, Lightning, Falling Objects, Collision with Vehicles or Aircraft, Hold-Ups, Electrical Malfunction, Broken/Freezing Pipes, Injuries to others on and off property, Damage to other’s property, Gas Leak Explosions, Civil Commotions and Riots

 

 

 

HOMEOWNERS INSURANCE

   BENEFITS OF HOMEOWNERS POLICY

Gold River Insurance is different than most insurance companies. In addition to world-class claims service, there are many ways we separate ourselves in homeowners insurance.

  WHAT WE DO!!!

          Home replacement – guaranteed

For just a little extra, we will cover the full cost of repairing or rebuilding your house after a total loss, even if it exceeds your policy limit!

  VALUABLE PROPERTY TAX

We know you can’t put a price on Grandma’s pearls. Make sure your fine arts, jewelry, or other collectibles are properly protected by adding this coverage. We can provide coverage for specific items or you can buy increased jewelry and fur limits on a blanket basis.

  HOME BUSINESS

This unique product is among the broadest of coverages in the industry for protecting your home-based business.

  REPLACING YOUR BELONGINGS

Adding this coverage to your policy means that if your property is lost, damaged, or stolen, you can buy new items to replace them. That’s a new camera even if the one damaged was three years old    

CONDO POLICY

BENEFITS OF CONDO POLICY

Gold River Insurance is different than most insurance companies. In addition to top-notch customer service, we have the condo home insurance that fits your life.

COVERAGE DETAILS

You might not have to mow the lawn or shovel the snow, but you still need insurance protection. We cover the interior of your condo and your belongings, and we provide liability protection in case anything goes wrong.

HOME BUSINESS

This unique product is among the broadest of coverages in the industry for protecting your home-based business.

VALUABLE PERSONAL PROPERTY

We know you can’t put a price on Grandma’s pearls. Make sure your fine arts, jewelry, or other collectibles are properly protected by adding this coverage. We can provide coverage for specific items or you can buy increased jewelry and fur limits on a blanket basis.

REPLACING YOUR BELONGINGS

Adding this coverage to your policy means that if your property is lost, damaged, or stolen, you can buy new items to replace them. That’s a new camera even if the one damaged was three years old!

RENTERS POLICY

BENEFITS OF RENTERS INSURANCE!!!

Gold River Insurance is different then most insurance companies. In addition to world-class claims service, there are many ways we separate ourselves in renters insurance.

COVERAGE DETAILS

Our renters insurance covers your belongings against things like fire or theft. It also covers medical and legal expenses if a guest get injured at your place.

ACCOMMODATION

If you need somewhere to stay while damage to your apartment is being repaired, renters insurance covers your expenses.

VALUABLE PERSONAL PROPERTY

We know you can’t put a price on Grandpa’s pearls. Make sure your fine arts, jewelry, or other collectibles are properly protected by adding this coverage. We can provide coverage for specific items or you can buy increased jewelry and fur limits on a blanket basis.

REPLACING YOUR CUSTOMERS

Adding this coverage to your policy means that if your property is lost, damaged, or stolen, you can buy new items to replace them. That’s a new camera even if the one damaged was three years old!




VACANT BUILDING

Gold River Insurance Vacant Building package is designed for residential and commercial vacant building risks. We can consider coverage for vacant buildings with or without renovations, vacant tenant spaces and vacant condominiums.

AVAILABLE COVERAGE FOR VACANT BUILDINGS

  • No restrictions on length of vacancy
  • Vandalism is included with property coverage
  • No liability deductible
  • Short-term policies can be extended by endorsement or if the occupancy changes we can consider coverage under one of our other products
  • Independent contractor’s coverage available
  • Special form and replacement cost coverages are available for some risk
  • Renovation work up to $250,000 in cost (non-structural)
  • Business Personal Property coverage up to $250,000

OWNER/TENANT

If you own a rental property, or you are a tenant, you may need different insurance products than normal home and contents policies.

Landlords should consider how they can protect their premises, its assets and the income they receive from their tenants.

Renters are not covered by their landlord’s insurance policies. Insurers offer products designed for renters, including low-cost policies.

RENTER’S AND LANDLORD’S POLICY

When you are renting, the owner of the property you are living in is responsible for damage or loss to the building and fittings, but you are responsible for your own possessions – such as your clothes, furniture, electrical goods, books and other valuable belongings.

When a disaster occurs, tenants are often the ones to lose everything and miss out on compensation.

Renter’s insurance is a form of contents cover designed for people living in rented properties.

It protects against financial loss from specific risks such as fire or burglary, or against accidental loss or damage. It can also cover you for accidental damage to fixtures and fittings of the property that you are renting, or provide financial cover for legal liability. It may also cover your possessions when you move between properties.

This type of policy varies between insurers, so it is worthwhile comparing policies to find the features that best suit your needs

At Gold River Insurance, Our team of expertise will make a responsive research and give you the best policy with low premium that best suite your condition.

WORKER'S COMPENSATION

YOUR EMPLOYEES DESERVE THE RIGHT PROTECTION

Do you have the right workers compensation plan?  With Gold River Insurance Brokerage, We have the best Workers’ Compensation policy that get you covered, it’s important to get it from a knowledgeable source. Workers compensation not only protects your business, but it also provides employees with reassurance. If an accident happens on the job, employees feel better knowing they can receive necessary medical attention and time off to recover, and they get back to work as soon as possible. We want to be the one to provide your workers with dependable coverage.

It provides benefits to employees for work-related injuries or illnesses including medical care, wages from lost work time, and more. Workers’ compensation insurance covers a deceased worker’s family with a financial benefit as well. If a worker’s family decides to sue the company, it can also help cover the related legal fees.

Workers’ compensation insurance can help protect your business and employees in events such as these:

  • An employee slips on ice, injures himself while walking up the stairs to the office, and requires an emergency room visit and weeks of recovery time.
  • An employee injures her back lifting a box of printer paper and requires a doctor’s attention, medication and physical therapy.
  • An employee returning to the office from visiting a client is injured in a car accident and requires hospitalization.

With workers’ compensation insurance, Gold River Insurance will help pay for the medical expenses needed to treat these job-related injuries and illnesses. Workers’ compensation will also help employees keep their income while they take time off to recover from an injury.

Gold River Insurance Brokerage can help you navigate the regulations to determine the best type of coverage options for your business.

If you’re concerned about the cost of meeting workers compensation requirements, Gold River Insurance Brokerage has access to multiple providers, so we can tailor a package that suits your needs and budget. In addition to workers compensation, we also recommend coverage-boosting options like:

  • General liability
  • Professional liability
  • Commercial liability
  • Directors & officers (D&O)

WORKER’S COMPENSATION FOR WORKER’S INJURIES IN THE RESTAURANT OR FAST FOOD

Have you suffered a restaurant or fast food worker injury?  You may have a legal right to receive medical treatment as well as wage compensation for your lost time at work – even if you are not a full-time employee.  Restaurant jobs pose many injury risks. 

Every company that has three or more employees is required – by law – to carry insurance that pays for these claims.

Restaurants are not the only businesses that rely heavily on part-time workers.  Many companies use temp employees to meet fluctuating worker demands or seasonal needs.  An alarming number of these workers are also injured each day, according to the U.S. Bureau of Labor Statistics, especially if the job requires physical labor.  When temp or part-time employees suffer a job-related injury or illness, their workers’ comp benefits can include:

  • Payment of all medical bills associated with the workplace injury/illness; including temporary or permanent disability if unable to work
  • Compensation for up to 2/3 of lost wages

If you’re concerned about the cost of meeting workers compensation requirements Compensation for Workers’ Injuries in your Restaurant or Fast Food Industry, Gold River Insurance Brokerage has access to multiple providers, so we can tailor a package that suits your needs and budget

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Gold River Insurance Brokerage is a full-service independent brokerage in Brooklyn, NY.

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