Motor Vehicle

• Auto Insurance
  You are required by the law to have auto insurance – but what are you getting for what you pay? Every auto insurance provider is different in how they benefit the consumer if the unexpected occurs. The lowest-priced insurance is more affordable for the consumer, but the level of protection provided may be far from enough if an accident occurs. Issues such as deductible, access to a rented vehicle, paying out damages to the other party, and whether the policy will pay out if you are hit by an uninsured or underinsured driver are all important issues to consider when purchasing auto insurance.
• Motorcycle Insurance
  Motorcycles are affordable to operate, and there is no other vehicle that provides such a sense of freedom. Motorcycle owners have a wide choice of insurance providers from which to choose, but which policy provides the best level of protection at the lowest price? At Royal Brokerage in Babylon, NY, we take our responsibility to our clients very seriously, and we know the bottom line matters. Need motorcycle insurance? We are ready to get to work and find the best deal for you.

Property

• Renters Insurance
• Home Insurance
  Your home is probably the most expensive purchase you will make in your lifetime. To protect this important asset, you want to ensure you have the best homeowners insurance policy in place – with the highest level of protection – at a reasonable price. Your mortgage holder will, in most cases, require you to have this insurance, but you have options. At Royal Brokerage in Babylon, NY, we work with our local clients to identify the homeowners insurance policy that will best protect you in a wide range of unexpected events.

Health and Life

• Life Insurance
  Life insurance is the most effective way to ensure your family is financially secure when you pass away. Without life insurance, your loved ones may face financial trouble, be unable to access funds, or be left without the support of a breadwinner.

Business

• Business Insurance
  When establishing an overarching business insurance plan, it is important to work closely with a local business insurance agent who is prepared to dedicate the time and effort to fully understand your operation and create a custom plan that matches the needs of the enterprise – at rates that can be managed by the business.
• Commercial Property Insurance
  Your business property is valuable. You have committed your hard work and financial resources to establishing your business facility, buying the right equipment, and for many business owners, keeping inventory. Losing any of your business property would lead to heavy financial losses. Your commercial property insurance helps you pay to repair or replace your valuable business assets. For the best rates, your policy should be customized so that it is reasonable in price while providing adequate coverage.
• Workers Compensation Insurance
  Workers’ compensation insurance coverage is required by law for many businesses. This state-mandated insurance program was designed to provide medical treatment and partial reimbursement of lost wages for workers injured on the job and to help protect employers against civil lawsuits filed by injured workers.
• Builders Risk Insurance

Personal

• Annuities
  Fixed annuities can play an important role in your retirement planning. While a pension and Social Security may provide some retirement income, it may not be sufficient for the kind of retirement you want to have. Fixed annuities can help you save for retirement and provide you with additional income over the years ahead.
• Liability Insurance
  If a person is injured on business premises, general liability insurance can help protect against claims for costs of medical treatment.

Natural Disaster

• Flood Insurance