Umbrella

After years of working and gathering assets from cars and homes to art and investment accounts, you might be surprised to learn that most insurance policies don’t actually protect all of your belongings. Just one lawsuit from an injury or accidental death could cost millions of dollars, enough to wipe out your savings or worse.  An umbrella policy is an extra layer of insurance that can pay for medical, court or other expenses you may be required to pay after basic home and car insurance policies stop. Coverage levels start at $1 million and can run up to $10 million and beyond.  Let one of our seasoned agents help you to get the coverage you need.


Did You Know ... ?

  • CI - Commercial Auto
    Commercial Auto

    Despite the large size of the vehicle you’re maneuvering, don’t feel as if you’re already the king of the road. You still need to be considerate of the cars passing by you or traveling beside you to keep the traffic smooth-flowing. Don’t be in a rush and cut in front…

  • CI - Business Owner
    Business Owners

    One of the first questions every small business owner must consider is whether to operate as a sole-proprietorship or as a corporate entity. Operating as a sole-proprietor costs no money because you don’t have to pay to create legal documents and tax returns. Whether you should continue to operate as…

  • Hand in bandage
    The maximum benefit is…

    26 weeks in a 52-week period.

  • Luxury Home
    Homeowners

    A burglar alarm that is monitored by a central station, or that is tied directly to a local police station, will help lower the homeowner’s annual premiums, perhaps by 5% or more.  Smoke alarms are another biggie. While standard in most modern houses, installing them in older homes can save…

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Testimonials

  • Know Great Service

    You would not know great service until you stop by this office.

    Chandra Rasiawan, Woodhaven, NY
  • Found Us the Best Deal

    My wife and I were shopping for home insurance. It was a hassle until we called NIVLA Insurance. They shopped, compared rates and coverages with many insurance companies and found us the best deal. I would highly recommend them to anyone who’s looking for home insurance.

    Harrinarine & Sharda Deodat, Bronx, NY
  • Definitely Recommend

    I would definitely recommend NIVLA Insurance Agency to my friends.

    Shamiza & Sean Ally, Richmond Hill, NY Bargain 99 Cents