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Protect Yourself on the Road

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Brooklyn, NY is a bustling metropolis with an array of driving hazards such as heavy traffic, pedestrians, and unpredictable weather. Auto accidents can happen when you least expect it, so having adequate auto insurance coverage is essential to protect yourself, your passengers, and your vehicle.

Access Legacy Insurance Group is a reliable and trusted insurance company that offers a variety of auto insurance coverage options to meet the unique needs of Brooklyn, NY residents. We understand the challenges of driving in Brooklyn and the surrounding areas and offer coverage options that protect drivers in the event of an accident.

One of the primary types of auto insurance coverage we offer is liability coverage. This coverage protects drivers from financial liability in the event that they are found at fault in an accident that causes damage to another person’s property or injuries to another person. Liability coverage can also cover legal expenses in the event of a lawsuit.

In addition to liability coverage, Access Legacy Insurance Group offers collision coverage, which helps cover the cost of repairs or replacement of a vehicle damaged in an accident, regardless of who is at fault. We also offer comprehensive coverage, which protects against non-collision events such as theft, vandalism, and weather damage.

For Brooklyn, NY residents who rely on their vehicles for work, Access Legacy Insurance Group offers commercial auto insurance coverage options. This type of coverage provides protection for vehicles used for business purposes, such as delivery or transportation.

Reach Out To Us.

Overall, having adequate auto insurance coverage is crucial for Brooklyn, NY residents who want to protect themselves and their vehicles while on the road. Access Legacy Insurance Group offers a range of coverage options to fit the unique needs of each driver, ensuring that they have the right level of protection in the event of an accident or unforeseen event.

What does workers compensation insurance cover?

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Workers’ compensation insurance from Access Legacy Insurance Group is designed to protect employees from potential injury or illness that may occur while on the job. It provides coverage for medical expenses, lost wages, and other damages related to a workplace incident. Depending on the policy, workers’ compensation may also cover costs associated with rehabilitative services and death benefits.

Benefits of Workers’ Compensation

The most important thing to remember is that workers’ compensation insurance is meant to protect an employee in case of an accident or unexpected injury while in the Brooklyn, NY area or on any job site.

By having this coverage in place, employers can be assured that their employees will be taken care of should anything go wrong. Workers’ compensation insurance is essential for any business and can help provide peace of mind knowing that everyone in the workplace is safe and protected. With the right protection in place, employers can rest easy knowing that their employees will be taken care of if something were to happen.

From medical bills and lost wages to rehabilitative services and death benefits, workers’ compensation insurance provides much-needed peace of mind for everyone involved. It’s important to understand exactly what is covered by a workers’ compensation policy, as each policy varies. The policy also covers legal fees associated with workers’ comp cases. Additionally, if a worker is unable to return to work due to an injury or illness, the policy may provide long-term disability benefits. 

Reach Out To Us

Workers’ compensation insurance can be beneficial in protecting employers from employee lawsuits and other liabilities that may arise due to workplace accidents or injuries. For more information, give us at Access Legacy Insurance Group a call today. We proudly serve the Brooklyn, NY area. 

Does Renter’s Insurance Cover Your Personal Belongings?

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Individuals who rent or lease their living space can benefit from having renter’s insurance. This type of coverage protects the policyholder from liability and losses. The coverage also provides protection for some personal items but doesn’t cover some other belongings. If you need renter’s insurance, let the experts at Access Legacy Insurance Group help you get the protection you need. We proudly serve the residents in and around the Brooklyn, NY area. 

Renter’s Insurance Protection 

Renter’s insurance is important to help protect an individual from losses and liability. For example, if there is a fire or theft, the insurance will offer a claim settlement to help you replace items and even provide you with a place to stay while repairs are underway if your residence is uninhabitable. 

Renter’s insurance also offers protection for major appliances and other high-value items you own. If you want to know more about renter’s insurance and what it covers, our agents can help. We work one-on-one with customers to ensure they understand the terms and conditions of each policy and match them with coverage that suits their needs. 

We also offer service before, during, and after the policy purchase. We can assist with any changes, renewals, and claims. We offer complete support you can count on when you work with us as an insurance company. 

Reach Out Today

If you would like to learn more about renter’s insurance or any of the other insurance products we offer, don’t hesitate to call or stop by Access Legacy Insurance Group and speak to an agent. We take pride in assisting the residents in and around the Brooklyn, NY area with securing coverage they trust. 

Winter Boat Maintenance You Can’t Ignore

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Keeping your boat or watercraft in great shape requires careful seasonal maintenance. At Access Legacy Insurance Group, serving Brooklyn, NY and the surrounding areas, we want to help you protect your investments. You can protect the investment you have made into your watercraft through insurance coverage and good maintenance practices. 

Should I Do Boat Winterization?

Yes, you definitely need to winterize your boat before you put it up for the season. Taking care of these important tasks will help ensure that your boat stays in great shape and will help you avoid many issues that can arise during the colder seasons. Let’s look at a few things you should do to winterize your watercraft. 

Remove Valuables

If you will be docking your boat in a marina for the winter, be sure to go through the entire boat and remove all important valuables. This is also a good time to check over the interior of the boat to see if there are any cosmetic issues you might want to address. 

Engine Work

There are many aspects to putting up your boat for the winter. To ensure that your engine stays in good shape during the colder months, you should hire a boat mechanic to do a once-over of your engine and take care of all of the engine winterization jobs. 

Choose Winter Docking

It is also important to carefully choose where your boat will dock during the winter. You should only dock with a marina that is reputable. Do some research and ask other boat owners that you may know who they recommend. Be sure to ask lots of questions concerning the security of the marina as well. 

Get Boat Insurance Today

If you would like to learn more about protecting your investments, don’t hesitate to get in touch with us at Access Legacy Insurance Group, serving Brooklyn NY, and the surrounding areas.  

The Need For Flood Insurance in New York

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New York is a coastal state that experiences the same natural disasters as any other during the appropriate season. Gale-force winds accompany the hurricanes that take place along the East Coast. New Yorkers need to be as protected from the elements as possible, especially at home. That is one of the multiple reasons why you need to obtain flood insurance. 

There are two main types of coverage:

  • building property, which covers repairs made to your home after flooding
  • personal property, which covers many of your personal possessions that have been destroyed by floods

Devastating floods caused by hurricanes off the shores hitting landfall can accrue some massive expenses. Flood insurance helps cover the cost of flood damage to your home and belongings. That means if your house is flooded by torrential rains, hurricanes, tsunamis, and more, your items are likely covered. Flooding does not discriminate and does not spare your personal items; therefore, it is your responsibility to ensure that your home and everything in it will be secured in such an event.

Maintaining flood insurance is not only recommended in the state of New York, but it is also legally required. This means that, due to the law, the demand for flood insurance is incredibly high. That is why it may seem overwhelming at first when you are trying to shop around for flood insurance that follows state guidelines. 

Contact Us Today

Access Legacy Insurance Group in Brooklyn, NY is here to help you protect your assets and assist you with getting the coverage that you need. Call Access Legacy Insurance Group – or if you are in the Brooklyn, NY area, stop by the office and see what we can do to get you covered.

Understanding the different New York workers comp benefits

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Accidents on the job can have lasting consequences for workers. Often, workers don’t have full control over the conditions they work in or the actions of other employees. The potential for injury and the employer’s responsibility can frequently lead to a worker’s compensation claim. Did you know, however, that not all New York worker’s compensation benefits are the same?

Access Legacy Insurance Group serves Brooklyn, NY in providing guidance and support for workers’ compensation as directed by New York state law.

Worker’s Compensation Benefits

Health Care

Health care compensation refers to the medical care and costs required to get you back to your previous working condition. In some cases, this may be as simple as covering a physician visit and a few stitches, in others this may involve ambulance rides and long-term rehabilitation. No matter the injury, if you were hurt on the job you may have a compensation claim. 

Lost Wages

Lost wages often occur with workers’ compensation claims, since injuries can prevent you from doing your normal job duties. Whether these injuries are temporary or long-term, you deserve to be compensated for accidents that aren’t your fault. Lost wage restoration can help you regain your financial footing, and may even help protect your job.

Survivor Benefits

A workers’ compensation claim relating to death is the most severe and tragic of workplace accidents. The worker has lost their long-term earnings and savings potential amidst this family grief. Yet while tragic, these accident survivors still have bills to pay and lives to live. Survivor benefits help ensure that the remaining family and partners of workers’ accidents can recover from the financial burden of this event.

Get The Right Coverage Today

Access Legacy Insurance Group serves Brooklyn, NY. Get the compensation you need — contact us today!

Can Digital Nomads Take Out Renter’s Insurance Policies?

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More and more people are becoming digital nomads. This means that they work in a variety of places, rather than focusing on working out of one home base. They may work across the country, or they may work across the globe. If you are a digital nomad, or are considering being one, one of the questions that you may have is whether digital nomads can take out renter’s insurance policies at the places they are temporarily staying.

Consult with Access Legacy Insurance Group, serving the greater Brooklyn, NY region, to help you navigate this important insurance coverage.

Can Digital Nomads Take Out Renter’s Insurance Policies?

In many cases, digital nomads can take out renter’s insurance policies. However, there are a few things that a digital nomad needs to keep in mind. First, not every insurance company offers short-term renters insurance policies, but many do.

Most of the companies that offer these policies offer them for digital nomads that are living in one area one month at a time. If you are moving from place to place week after week, renters insurance may not be the best insurance for your needs.

Also, keep in mind that insurance can vary from country to country. If you are living and traveling in different countries, you may need to find different insurance companies that offer renters insurance policies in the part of the world where you plan on living. 

Contact Us Today

Whether you are looking to rent a place for a month, or you are looking to rent a place and stay put for a year or longer, there are renter’s insurance policies out there that can meet your needs. Here at Access Legacy Insurance Group, serving the greater Brooklyn, NY area, we want to help you find the policies that best meet your unique needs. Reach out to us today to learn more. 

5 Facts about boat insurance

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Few things are more enjoyable than cruising the waterways. Boat insurance can keep that fun afloat all summer long.

Boat insurance is about preparing for the worst. This coverage grants security and peace of mind. Yet some owners are still unaware of the advantages that these policies offer. Access Legacy Insurance Group in Brooklyn, NY can provide you with guidance on this important coverage. 

Here are five facts about boat insurance that you should know about:

Boat insurance applies to any watercraft

Boat insurance is specialized protection that applies to any motorized watercraft. While each policy is unique, most boat insurance plans shield against loss through comprehensive and collision coverage. 

But the benefits extend much further

Despite its name, boat insurance covers more than just your boat. These policies are designed primarily for the people on board. You, guests, and other boat enthusiasts benefit from these safeguards. Liability is the cornerstone of this protection.

Boat insurance isn’t required in New York

Although it’s not legally mandated in The Empire State, boat insurance is always a good idea. The pros of maintaining full coverage far exceed the risk of going without it.

Boat insurance isn’t covered by other plans

Many homeowners incorrectly believe their boat is already covered. But home insurance is usually limited. Only a dedicated boat insurance policy will ensure adequate security.

Boat insurance isn’t seasonal

Another common misconception is that boat insurance is only a summer expense. Yet natural disasters and accidents can still pop up, even in storage. Avoid canceling your boat insurance during the winter months. This decision could be costly in the long run. 

Give Us A Call

Insufficient coverage can sink your fun quickly. Let Access Legacy Insurance Group in Brooklyn, NY be your anchor. Our experienced agents will build a boat insurance policy that’s right for you. Reach out to us today.

Why You Need Flood Insurance

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When you are a homeowner, it’s important to protect your home as best you can. One way to do this is to get flood insurance in addition to your home insurance. A flood is a highly damaging disaster that can destroy a home, so it’s important to have this coverage to cover this risk. If you don’t have flood insurance, give us a call at Access Legacy Insurance Group in Brooklyn, NY to find out more. 

Flood Insurance: A Comprehensive Guide

Home Insurance and Flooding

When you have home insurance, it protects you against a number of dangerous risks. However, it doesn’t protect you from floods. To get that protection, you need flood insurance. If you had a flood and no insurance for it, it would be up to you to pay for all of the repairs or the rebuilding that is necessary. It’s for this reason that flood insurance is so important. 

Who Should Get Flood Insurance?

Many people believe that it’s only necessary to get flood insurance if they live in an area that is labeled as a high-risk flooding area. These areas are often close to the water and have a history of flooding. But, it’s not just those areas that flood. About one-fifth of the flood claims that are made come from areas that aren’t in these high-risk areas. For people without flood insurance, that would mean paying for extremely expensive repairs. The National Flood Insurance Program generally recommends that everyone should have flood insurance to protect themselves. 

NFIP Backing

The NFIP backs flood insurance and makes it available to the public. It also sets the pricing for this coverage. This makes it easy to shop for flood insurance, as it costs the same no matter where you get it. To protect your home, it’s important to have this coverage. 

Get Your Flood Policy

If you don’t have flood insurance, it may be time for you to get it. It’s a great way to mitigate some of the risks that are posed to your home. Give us a call at Access Legacy Insurance Group in Brooklyn, NY.

How Do I File A Claim With My Workers’ Compensation Insurance Policy?

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If you work in a dangerous environment in Brooklyn, NY, your employer likely has a workers’ compensation insurance policy. To be on the safe side should the unfortunate happen and you get injured or ill because of your workplace, knowing how to file a claim under the workers’ compensation policy is handy.

Here’s how to do it:

Step 1: Report the Workplace-Related Injury or Illness to the Employer

As soon as you get injured at your workplace or your doctor confirms that you are getting sick because of your workplace, report the injury or illness to the employer. In New York, you are required by law to inform your employer of workplace-related injury or illness within 30 days after it occurs or receiving a diagnosis. 

Step 2: The Employer Will Help Your Fill Necessary Paperwork for the Workers Compensation Insurance

After informing your employer of your injury or illness, they will tell you about your rights, the workers’ compensation benefits available to you, and their return to work policy. Make sure you provide details on the nature of your injury and where and when it occurred. At Access Legacy Insurance Group, we advise you to provide medical reports on the injury or illness. The employer may also ask you to fill an injury report to present to the state’s workers’ compensation board.

Step 3: The Employer Reports the Injury to the Insurer and Files the Claim

In most cases, your employer, not you, is responsible for filing a workers’ compensation claim and other supporting documents to the insurer. The insurer will review the workers’ compensation claim and either approve it or reject it. If it’s rejected, you can request the insurer to reconsider the claim or file a formal appeal with the state workers’ compensation board. 

Give Us A Call

Do you need more info on workers’ compensation insurance in Brooklyn, NY? Contact Access Legacy Insurance Group today.

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