Products

Personal Insurance

Personal insurance is just that, personal. No two situations are exactly alike, so policies vary case by case.

At Brewster-Allen-Wichert, Inc. our Personal Lines specialists work with you to tailor an insurance program to protect your family, home, auto, and other valuable possessions at the most reasonable costs our carriers can provide.

We offer the following personal insurance products:

Homeowners including renters, co-op and condos Automobile Watercraft Motorcycle Rental Property Valuable Items Antiques

Jewelry Collectors Items Recreational Vehicle Umbrella Liability Flood WaterFront Homeowners policies now available

Commercial Insurance

Commercial insurance for your business can be a nightmare. No two businesses are ever alike. At Brewster-Allen-Wichert, Inc. our Commercial Lines specialists not only tailor a policy to fit your business’s needs, but also work diligently with you to avoid unnecessary exposures. As agents we represent top insurers such as: Andover, CNA, Hartford, Travelers, Progressive, GMAC, Utica, and Zurich. We also represent over 50 other carriers as brokers. 

We offer the following Commercial Insurance products:

Property Liability Crime Glass Garage Keepers Liquor Liability

Professional Liability Automotive Tools & Equipment Motor Cargo Builders Risk Bonds

*This is just an overview of the products offered, please understand that we write every type of insurance offered, the above items are the most common. Please contact us for any insurance need even if that particular need is not listed above.

Health Insurance

Did You Know?…
Brewster-Allen-Wichert, Inc. can provide access to every type of health plan offered in NY.

As brokers we represent every New York carrier available such as USAetna, Empire, EmblemHealth, Oxford, United Healthplans, Hip, Guardian, and GHI.

Allow us to customize a health insurance program that meets your individual company needs. We specialize in working with small companies looking to contain costs but want to offer a comprehensive package of benefits to their employees.

*Group plans can be completed and in force by the 1st and or the 15th of each month.

Disability Insurance 

*For Groups and Individuals

Studies have shown that many workers are more likely to suffer a disability than die. Can your family survive without your paycheck? New York State mandates that employers provide short term disability to their employees. However the coverage only provides up to $170 per week and for 26 weeks. Most families would find that they cannot live on $170 per week, can you? Adding a group disability policy to your benefit package can help retain your employees while providing additional coverage to their families.

Individuals may also purchase disability policies. The cost will depend upon occupation, age, health, and amount of coverage applied for. Having this valuable insurance can assure you that you will be able to spend time healing instead of worrying about how you are going to pay the bills.

Life Insurance

Providing for your family is a very important aspect of life. Protecting them financially in the event of death is equally as important. Our Life consultants can create a plan that protects your family as well as provide living benefits. Most importantly we can do this within your budget.

Whether you are in good health or not we represent carriers that can underwrite coverage for each individual case. We can offer:

• Term Life Policies
• Return-of-Premium Term Policies
• Universal and Whole Life Policies

How would you like to get your money back?

Ask about a Return-of-Premium term policy.