Castle Rock Insurance Agency

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Restaurant Insurance, Building Insurance, Builders Risk Insurance, Church Insurance

Professional Insurance Agency Service 

Castle Rock Insurance Agency is a professional full service Property & Casualty Insurance services boutique serving the Business and Personal Marketplace.

Building Insurance, Restaurant Insurance, Church Insurance, Personal Insurance 

If you are looking for Insurance for a Building, Insurance for a Restaurant, Insurance for a Church, a home & auto or have a business that needs commercial insurance coverage, we will take the time to explain what you are buying, so you understand what is at stake and what you will be protected for.

An Insurance Agency that Educates its Clients 

The key to our success is that we educate our clients to the exposures surrounding their personal and business assets so they can make educated decision as to their own insurance needs. We have been extremely successful in lowering insurance costs for our clients by leveraging our knowledge and relationships within the insurance industry. We always aggressively market and negotiate insurance premiums and coverage’s which usually results in an insurance product that is both comprehensive in coverage and competitive in price.

Are we competitive? Take a look at the long list of carriers we represent. Our job is to match the right company and the right insurance coverage with each individual or company looking for coverage.

Castle Rock Agency, Inc's  founders have a successful history. One was a previous underwriter from one of the nation’s biggest insurance wholesalers and the former president of one of the largest privately owned retail insurance agencies in New York City.  The other has almost a decade of experience as a underwriter with prior experience as a health care administrator with 2 back-to-back JCAHO commendations.

At Castle Rock we take the time to understand the operations of our clients and try to put together an insurance program that best suits their needs. No matter the size of the premium of an account, we treat all our clients with the same respect and attention.

Our success is embedded in our ability to continually surpass our client’s expectations. We are a company of people with a single-minded commitment to Customer Satisfaction. It is this attitude that makes Castle Rock stand out as a leader within the insurance community. And it is this attitude that can be seen in the quality of the services we provide to our customers.  We always strive to build relationships for life by exceeding expectations.

Insurance Experience and Expertise 

Experience - Our group of insurance professionals are among the most experienced in the industry. Importantly, our business model allows them to dedicate the necessary senior-level attention to clients.

If you are a commercial, business, personal or organizational client, or provide a personal service, you can benefit from our expertise.  Castle Rock Insurance Agency serves the personal and business insurance needs of individuals, families and businesses.

We Currently Offer Restaurant Insurance, Building Insurance, Church Insurance, Contractors Insurance, Builders Risk Insurance, Home Insurance, Auto Insurance, Umbrella, and Bonds in New York, NY, New Jersey, NJ, and Pennsylvania, PA.

Castle Rock Insurance Agency
Business Insurance
Personal Insurance
Intelligent Insurance

 
Terrorism Insurance Facts

Prior to the attacks on September 11th, 2011, terrorism wasn't really a concern for many insurers and Terrorism Insurance wasn't a widely available product. In fact, terrorist attacks weren't even excluded on property and casualty policies for business owners and landlords. However, the events in St. Cloud, Minnesota, New Jersey and the New York City area during the week of September 19th, 2016, have reminded business owners that such instances shouldn't be taken for granted, with regards to their insurance.

Terrorism insurance has evolved into a necessary business expense for organizations ranging from Fortune 500 conglomerates to local variety stores. People are becoming more and more curious about such coverage, too.

Terrorism insurance policies can provide coverage for loss of income, damage to property, loss of income due to terrorist threats, defense costs brought on by 3rd parties for bodily injury and even coverage if an attack occurred off premises.

 


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What does Terrorism Insurance Cover on your Insurance Policy?

Since congress enacted the Terrorism Risk Insurance Act or TRIA in November of 2002,  there has NEVER been a claim covered under TRIA because the government has failed to “certify” them as a "Certified Act of Terrorism".

 

The following is a sample of how the government Terrorism Insurance form reads:

Terrorism Insurance Wording TRIA

 

This means that the Terrorism Risk Insurance Act Coverage that applied to policy holders involved in Boston Marathon bombing, as well as recent incidents in New York City, New Jersey, San Bernardino, California; Charleston, South Carolina and Chattanooga, Tennessee, have not paid out anything to policyholders.

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Winter Driving Tips

Driving in winter weather can be a challenge, the following are some winter driving tips to help you navigate the ice and snow of the rough winter roads.

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Product Liability Insurance for Retailers, Wholesalers, Distributors and Manufacturers

Products Liability Insurance Quote

Product Liability Insurance - Retailers, Wholesalers, Distributors and Manufacturers


     A very real concern in the realm of product liability insurance is the distinction between wholesalers, distributors and manufactures. The distinction in question is “Who takes responsibility for product liability claims in the event of damage or bodily injury?” Is it the retailer, the wholesaler, the distributor or the manufacturer?

Who is considered the product manufacturer? 

      In operational lingo, outside of the microcosm of product liability insurance, an entity that produces a product is considered the manufacturer, however, in the world of

product liability manufacturer retail wholesale

 insurance the definition is quite different. The reason for the disparity is primarily dictated by the US Court systems and here is why. Typically, in the event of a product liability insurance suit, the courts will rarely, if ever, export a claimant overseas to obtain satisfaction when injuries are involved, either bodily injury or property damage, and will contrarily opt to settle the claim here on domestic soil. This being the case, the first link in the domestic chain of the product’s life often becomes liable for damages and judgements that arise from the use of the product. What this means plays a tremendous part in how your insurance policy is written, because whether you are directly importing a product directly from overseas, having a product manufactured for you overseas (especially if that product bears your company name) or marketing a product that is to be delivered directly to an end-user or retailer, that originates from overseas, then this makes you the first link in the domestic chain, so whether you consider yourself a distributor, retailer, or wholesaler, or an importer, for purposes of product liability insurance, YOU ARE A MANUFACTURER.  

 

 

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Wednesday, December 07, 2016
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