• Coverage for the structure of your home
  This part of your policy pays to repair or rebuild your home if it is damaged or destroyed by fire, hurricane, hail, lightning or other disaster listed in your policy. It is important to make sure your home is insured to its proper replacement value. We can help you make sure you have the right insurance before a loss occurs, before it is too late.
  • Ask us about flood insurance.
• Coverage for your personal belongings
  Your furniture, clothes, sports equipment and other personal items can be covered if they are stolen or destroyed by fire, hurricane or other insured disaster. 
  • On and off-premises personal belongings options are available.
• Liability protection
  Liability covers you against lawsuits for bodily injury or property damage that you or family members cause to other people or damage caused by your pets. The liability portion of your insurance policy generally pays for both the cost of defending you in court and any court awards up to the limit of your policy.
  • Liability limits generally start at $100,000. Our insurance experts will listen to your needs and recommend the right amount of protection.
  • Insuring for higher liability limits is surprisingly inexpensive. In most cases it is less than $25 a year.
• Additional living expenses in the event you are temporarily unable to live in your home because of a fire or other insured disaster.
  Coverage usually includes expenses including hotel bills restaurant meals and other living expenses incurred while your home is being rebuilt. If you rent out part of your house, this coverage may also reimburse you for the rent you would have collected from your tenant if your home had not been destroyed.

Auto
Auto insurance protects you from severe financial loss in the event that you are involved in an auto accident or are the victim of theft or vandalism. In exchange for paying a premium, the insurance provider agrees to cover expenses related to the bodily injury or property damage resulting from an automobile accident. New York State requires every driver to hold automobile insurance
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Contact LPL Risk Management for the automobile policy that will meet your specific needs.

We offer:

• Low Down Payments
• Insurance for High-Risk and Young Drivers
• Discounts for
  • Multi-Car
  • Superior Credit
  • Multi-Policy Packages
  • Poor Credit Score Programs
  • Antique Auto Policies

Boat/Marine
Why trust your investment to just anyone when you can choose the Best Crew for your boating needs.

LPL Risk Management provides low rates, broad coverage and fast claims service for many recreational boaters on Long Island. For over 20 years we have offered a variety of affordable insurance policies developed for boaters by boaters – all with unique features you won’t find anywhere else. We insure boats of all types, yacht to personal watercraft, with policies sure to fit your checkbook and boating lifestyle.

Your policy is serviced by boating experts who are committed to excellence. In the event of a claim, LPL Risk Management will ensure you get back on the water, faster. Policies include:

• Liability
• Fire
• Theft

Umbrella
If you are not covered by an Umbrella Policy you could be risking everything -- your car, your home, the lifestyle to which you and your family are accustomed, and possibly even your future income. Typical auto, homeowners and other property insurance limits are not adequate to cover the large court judgments being awarded these days.

Umbrella policies or excess liability policies provide an “umbrella” of protection over your other personal liability policies for liability claims.

Umbrella policies provide added protection you may need if you are held liable in certain situations such as when someone is:

• Injured on your property
• Injured in an accident involving your auto or boat
• Injured in a hunting accident
• Claiming libel, slander, defamation of character or invasion of privacy