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Property and Casualty Insurance is designed to protect your Property and Liability exposures. Property insurance can protect most any physical goods you own from a house, car, boat, to personal effects such as furniture, clothing, and books. Regardless of the property we can help you design a policy to protect your financial interests.
Residential Insurance
Residential insurance is available worldwide. It is designed to protect a Homeowner, a Condo or Coop Unit owner, and even a Tenant in a rental property. It is a series of coverage that insures both Property and Liability exposures. Liability Coverage is automatic on U.S. based policies, and optional on non-U.S. policies.
Liability Coverage protects you from claims by a third party for injury due to your alleged negligence. There are liability policies designed for homeowners, apartment dwellers, car owners, boat owners or even airplane pilots. Policies vary by local legal systems and coverage may only apply to the local country or be worldwide in scope. Coverage options allow you to select areas of insurance specific to your needs. Special protection is available for:
- Jewelry
- Fine Arts
- Antiques
- Stamp or Coin Collections
- Other rare or unusual property
Your Insurance Advisor will work with you to develop a customized policy that is best suited for your individual situation.
Automobile Insurance
Automobile insurance is available worldwide. Coverages are written to conform to local laws, and policies will vary from country to country (or even within the various internal jurisdictions within one country). For U.S. based vehicles the basic coverage is for third party liability, and Insurance for damage to the vehicle is optional. While outside the U.S., coverage begins with the vehicle and Third Party Liability is available as an option. Special forms such as European Green Cards are included at no additional cost.
Personal Excess Umbrella Insurance
Personal Excess Umbrella Liability is available worldwide. It supplements the basic liability coverage provided by Residential and Automobile policies. It is an extremely cost-effective method to purchase additional protection and is especially important in those areas that are vulnerable to high claim settlement values.
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