Freedom to fully enjoy life is a luxury
acquired with success and by attaining
peace of mind knowing your properties
and valuables are well protected. HUB
International Personal Insurance can
help. We provide holistic, objective
insurance programs to protect your
family, homes, cars, yachts, artwork and
other personal possessions. Attain a
more peaceful state of mind - speak with
a HUB advisor at 1-800-645-6100.
·
Automobile Coverage
·
Homeowners Insurance
·
Tenant
Homeowners Insurance
·
Condominium and Cooperative Insurance
·
Watercraft Insurance
·
Personal Excess Liability
·
Personal Directors' and Officers'
Liability
Automobile Coverage
Millions of auto accidents occur each
year and one of the unfortunate results
can be inadequate insurance coverage.
Your assets, your family and your
financial future are all at risk when
the policy you buy doesn't provide the
protection you need.
HUB
International Personal Insurance offers
a full range of solutions for all of
your automobiles, including antique,
collector and recreational vehicles, as
well as motorcycles and motor homes. HUB
specialists understand the risks you
face on the road each day.
We work
with you to ensure that you have
appropriate protection in these
important areas:
·
Liability Limits
·
Uninsured and Underinsured Motorist
Coverage
·
Agreed
Value Coverage
·
Replacement Vehicle Coverage
·
Rental
Car Coverage
·
Worldwide liability Coverage
·
Electronic Equipment
·
Full
Glass Coverage
·
Towing
& Labor
You'll
find that our commitment to you
continues throughout the life of your
coverage. HUB's account specialists are
skilled in managing all of our service
needs including changes to your
policies, claims and coverage inquires.
Contact a HUB Advisor to find out
how to properly protect you and your
automobiles.
Homeowner Insurance
Whether
it is hand-carved woodwork, custom
moldings, solid oak multi-panel doors,
antique lighting fixtures or stained
glass windows, whatever makes your home
unique, HUB International can help you
insure it. When you have spent a lot of
time and effort finding just the right
place to live, you need to make sure
your investment is protected by choosing
insurance coverage that is right for
you.
Issues
a HUB advisor will help you consider:
Reconstruction value of your home
Extended Replacement Cost coverage can
ensure that your home will be rebuilt to
the same standards as the original
construction. This includes quality of
materials and craftsmanship. Your house
should not only look the same after a
covered loss, but, as closely as
possible, be the same.
Personal property coverage
Replacement Cost Coverage ensures that
your personal property will be replaced
after a covered loss,without deductions
for depreciation. You should also have
"all risks" coverage for your personal
property, so that your belongings are
covered for a wider array of perils than
most standard policies allow. You should
list expensive items, such as jewelry or
fine art, separately.
Personal liability insurance
Personal liability is a part of your
homeowners policy, and it is important
to choose the appropriate coverage
limit. In today's litigious environment,
you want to be sure that your assets are
protected in the event of a lawsuit.
Coverage for fences, pools, barns, and
other structures
Most homeowner policies include only a
minimum coverage amount for damage to
fences, pools, detached garages and
other structures that are not attached
to the main house. Are you sure you have
enough coverage to fully replace these
items?
Flood
and earthquake insurance
Most homeowners policies do not cover
flood or earthquake damage. You should
consider whether you need protection
against those losses.
Older
Home Coverage
Certain
coverage features do not come standard
with all insurance policies. That's why
it's important to work with a specialist
who understands the intricacies of
insuring older homes. At HUB
International, we offer insurance
options designed exclusively for old
homes including:
·
Guaranteed replacement cost coverage:
Coverage of the full cost of restoring
your home to its original quality, even
if that value exceeds the coverage
amount on your homeowner policy.
·
Ordinance or law coverage:
Coverage for the cost of bringing your
home up to code in the event of a
partial or total loss.
·
Assistance in determining replacement
value:
A simple "room estimator" does not begin
to account for the unique features in
older homes. Your HUB specialist can
help you determine your home's true
replacement needs.
Contact a HUB Advisor to find out
how to properly protect you and your
home.
Tenant Homeowners
Insurance
As a
tenant, have you considered what would
happen if your personal property was
lost or stolen? Unless you’ve purchased
a Tenant Homeowner Policy, also known as
a Renter’s Policy, you could incur
considerable expense to replace stolen
or damaged furniture, clothing, jewelry,
computer equipment and other personal
property.
A
specialist from HUB International
Personal Insurance can help you obtain
the Tenant Homeowner Insurance that best
meets your needs. We’ll help you
objectively assess your potential risks
and select coverage thats right for you.
Some important coverage options include:
Personal Liability Coverage:
This important coverage protects you if
you are sued for causing accidental
bodily injury or damage to the property
of others.
Theft
Coverage:
If your valuables are stolen, this
coverage provides protection.
Replacement Cost Coverage:
In the event of a loss to your personal
property, replacement cost coverage
safeguards you against depreciation and
pays for you fully to replace the item.
Cash
Settlement Option*:
If a covered loss occurs to your
personal property, you can choose to
receive a cash settlement, with no
requirement to repair or replace the
item.
Water
Backup Option*:
This coverage provides protection for
damages caused by water backup through
sewers and drains.
*May
not be available in some states or from
some insurers.
Contact a HUB Advisor today.
Condominium and
Cooperative Insurance
The
only thing worse than being
under-insured is not knowing you are. If
you or prior owners made permanent
upgrades to your condo, such as wall
coverings, cabinetry, bookcases,
flooring or renovations to a kitchen or
bathroom, they may or may not be covered
by your building association’s policy.
HUB
International specialists can help you
get the right amount of coverage for
permanent “additions and alterations”
and avoid costly surprises at the time
of a loss.
Lawsuits affecting condo owners are
common and costly. Whether you
accidentally cause water damage to a
neighbor’s unit or someone slips and
falls in your condo, you could be faced
with a lawsuit. That’s why it is
important to work with an insurance
specialist like HUB International, who
can help you get the right amount of
liability coverage.
Here
are some other coverages to consider in
terms of your condo or co-op:
LOSS
ASSESSMENT:
There are times when the association
insurance policy is not sufficient to
cover the total damage to the building
or a lawsuit against the association. In
that case, each of the unit owners will
be assessed to cover the difference.
Loss assessment coverage pays for the
unit owner’s share.
PERSONAL PROPERTY:
This protects your contents (furniture,
clothing, electronic equipment, etc.)
against loss. We ensure that your policy
is extended to include losses both on
and off premises.
VALUABLE ARTICLES COVERAGE:
The homeowner policy provides a limited
amount of coverage for your jewelry,
furs, silver, etc. You can further
protect your valuables by adding a rider
to your policy.
LIABILITY:
Comprehensive Personal Liability
protects you and your family if you are
sued. This coverage provides protection
both on and off premises.
Contact a HUB Advisor today.
Valuable Articles
Insurance
Many
people mistakenly rely on their
homeowner insurance to protect their
treasured possessions such as fine art,
collectibles and jewelry. The fact is
that, homeowner policies have
limitations on coverage for valuable
items.
HUB
International Personal Insurance
specializes in insuring valuables. We
understand the importance of protecting
your most treasured possessions. Our
personal insurance specialists carefully
consider your potential risks and design
comprehensive coverage programs. We
provide you with a level of financial
protection and personalized service not
available from others.
SOUND
SOLUTIONS FOR YOUR VALUABLES
·
Blanket
coverage for pairs, sets and collections
of smaller items
·
Itemized coverage that individually
lists, describes and insures each item
·
Worldwide coverage
·
Protection for breakage of fragile items
·
Newly
acquired items coverage
·
Replacement cost protection
You’ll
find that our commitment to you
continues throughout the life of your
coverage. HUB’s account managers are
skilled in managing all of your service
needs, including changes to your
policies, claims and coverage inquiries.
HUB Personal Insurance is dedicated to
serving clients like you who understand
the importance of building your
assets—and protecting them, too.
Contact a HUB Advisor today.
Watercraft Insurance
When
you have spent a lot of time and effort
finding just the right watercraft, you
need to make sure your investment is
protected by choosing the right
insurance.
Issues
that matter most to boat owners:
·
Insurance for the full value of your
boat in the event of total loss
·
“New
for Old” coverage in the event of a
partial loss: settlement without
depreciation
·
All
Risks Coverage, with the fewest
exclusions possible
·
Broad
navigational limits
·
Liability coverage when using someone
else’s boat
·
Flexibility for special coverages such
as Skippered Charterering
·
Knowledgeable, prompt, quality service
and support from your insurance broker
Watercraft policies typically cover:
·
All
Risks coverage for the hull & machinery,
rigging, tender, outboards, and personal
effects
·
Liability coverage for bodily injury or
property damage to third parties
·
Volunteer medical payment coverage
·
Sailboat racing
Specialty coverages typically available:
·
Paid
crew and captain
·
Extended cavigation limits for offshore
passages and cruising
·
Business use
·
High
performance boats
·
Live-aboard
Contact a HUB Advisor today.
Personal Excess
Liability
Protecting Your Financial Future
Most people spend a lifetime building a
secure financial future. But just one
lawsuit can change everything. Without
adequate personal access liability
coverage, your assets are at risk.
HUB International Personal Insurance
specializes in personal excess liability
insurance and understands the importance
of this coverage in your insurance
portfolio.
Our specialists carefully consider your
potential risks and design comprehensive
coverage programs. HUB advisors can
provide you with a level of financial
protection and personalized service not
available from many other brokers.
CONSIDER THESE REAL SCENARIOS:
·
A man
trips and falls on a paving stone,
suffering a knee injury and chronic
pain. He sues the homeowner for $2.5
million.
·
An
automobile accident results in injuries
that render an18-year old a
quadriplegic. The award settlement is
$2,980,000.
·
Victims
of identity theft spend hundreds of
hours and thousands of dollars to clear
their names.
HOW
MUCH DO YOU HAVE TO LOSE?
Personal excess liability coverage
protects individuals from a covered
claim brought against them for bodily
injury, personal injury or property
damage. It is an important layer of
protection that prevents an individual
from incurring a devastating financial
loss in the event of a legal settlement
against them
The most common question individuals ask
is “how much coverage do I need?” The
amount of excess liability coverage you
choose should be based upon your
potential risks, the legal environment,
physical assets and your personal net
worth. Contact a HUB advisor for more
information.
Contact a HUB Advisor today.
Personal Directors'
and Officers' Liability
Recent
corporate scandals and regulatory
changes brought on by Sarbanes-Oxley
have led to a decline in boardroom
talent as directors and prospective
directors have become increasingly
concerned about potential liability.
Personal D&O helps protect the personal
assets of directors and officers, even
in the event that traditional D&O
coverage is denied, unavailable or
rescinded due to criminal or fraudulent
activities. Personal policies have
become increasingly important as
traditional D&O coverage has become more
difficult to secure, more expensive and
includes more restrictions on coverage.
A
recent study of 908 board members by
Korn/Ferry International and Corporate
Board Member showed that:
·
Almost
half of those surveyed were concerned
about their D&O coverage
·
49%
said D&O insurance was a very important
factor in their decision to join a board
·
48%
said they recently turned down a board
position because the risk of being sued
was too great
HUB
experts can discuss Personal D&O and
address some of the current issues
surrounding coverage for individual
directors and officers, such as:
·
Protection of individual assets when
sued by shareholders and others,
including spousal coverage for those
spouses or domestic partners named as
co-defendants
·
Coverage tailored for the needs of
individuals - personal, dedicated limits
up to $10 million; no aggregate limits
to be shared by all directors/officers
or the company
·
Customization of policy to cover one or
any combination of boards the
individuals serves on and the right to
choose defense counsel
·
In many
recent cases of fraud, scandal and
bankruptcy, financial losses have
exceeded the limits of traditional D&O
policies, leaving individuals
unprotected
Contact a HUB Advisor today.
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