Auto, Home, Personal Insurance
We have a strong relationship with numerous quality providers to give you the right protection and the most competitive rates. Our agents share a common idea on how insurance programs should be both responsive and understandable to you, so you know where you are spending your hard earned money.
We are excited to use our experience to serve you as the consumer. We have have a staff of almost 30 employees that have access to the products and services of more than 50 insurance companies. This allows us the ability the ability to obtain the best combination of products and superior service with a home town feel.
Our Products
- AUTO
- BOAT / WATERCRAFT
- CLASSIC CARS
- BUILDERS RISK
- FLOOD
- HOME
- LANDLORD
- MOBILE HOME
- MOTOR HOME
- MOTORCYCLE
- PACKAGE
- PERSONAL ARTICLE FLOATER (Jewelry, Furs, Fine Arts, etc.)
- RECREATIONAL VEHICLE
- RENTERS
- SNOWMOBILE
- SPECIAL PRODUCTS FOR HIGH VALUE HOMEOWNERS
- TRAVEL TRAILER
- UMBRELLA
Warehouse Logistics Insurance
Understanding that each warehousing operation is different requires a trained insurance professional to tailor the vaious coverages to meet the needs of your respective client. We also understand that your industry is changing daily and that we must continue to develop state-of-the-art coverages and coverage enhancements to meet these changes. Because your industry faces unique, expensive, and difficult insurance challenges, saving money without cutting corners on protection is vital to keeping your competitive edge.
As part of Logistics Risk Management Group (LRMG) we have more than 30 years’ experience working in the 3PL industry and currently protecting over 60 million square feet of warehousing. As experts in the industry we excel in the research and negotiations for better policy coverage forms, claims management services, and insured personnel education with regards to policy forms and applicability with client’s exposure to loss and changing exposures to loss.
Coverages Offer:
- Building and Contents:
- Equipment Breakdown
- Increase Cost of Construction
- Green building coverage enhancements
- Replacement cost on Building and Personal Property
- Replacement coverage for forklifts, handling equipment, conveyor systems and computers
- Warehouse Legal Liability includes:
- Cross Docking
- Mysterious Disappearance & Inventory Shortage
- Infestation & Contamination
- Voluntary Parting
- Loaded trailers in your yard when legally liable
- Unlimited legal defense
- Expanded definition of “your premises”
- Coverage for fourth party agreements
- Change of temperature and refrigeration breakdown
- Business Income and Extra Expense – Designed to cover your unique operation and provided on an Actual Loss Sustained valuation.
- Motor Truck Cargo & Contingent Cargo
- Employee Crime
- Electronic Data Processing Equipment (including inventory control systems)
- Trucking operations that are warehouse related including commercial auto coverage
- Value Added Services:
- Access to expert legal consulting
- Full Loss Control Services
- Review and Audit of Loss Limitation agreements and warehouse legal liability exposures
- Engineering Services
- Professional Insurance Consulting
- Contract reviews
- Lease reviews
- Review of warehouse agreements and loss limitations
- Complete Risk Analysis
Auto Garage Insurance
You have the knowledge, experience and skills to get your customer’s vehicles back on the road. Just as they depend on you to get their vehicles up and running, you can depend on Naccarato Insurance to keep your shop up and running in the event of a loss.
Protecting our assets and potential liabilities by securing insurance is something we know we need to do. As with any other business expense, it does not hurt to review your options on a periodic basis. At Naccarato Insurance we take the unique approach of completing a survey with you to assess your insurance wants and needs. We then develop a program that meets your specific needs. Our survey typically uncovers gaps or overlaps in coverage that ultimately affect your bottom line. Our goal is to always deliver an insurance program that will be comprehensive and cost effective.
Coverages Offered:
- Property Coverage:
- Equipment Breakdown
- Increase Cost of Construction
- Green building coverage enhancements
- Replacement cost on Building and Personal Property
- Building Foundation
- Business Computers
- Mechanic’s tools & equipment
- Business Income – Actual Loss for up to 12 months
- Garage Liability Coverage
- Blanket Additional Insured
- Broad Form Products
- Customer’s property
- Advertising and Personal Injury Liability
- Product recall expense
- Separate aggregate liability limit per location
- Garagekeepers – Direct Primary
- Primary coverage while operating customer’s vehicle
- Optional coverages:
- Installation property
- Mobile equipment
- Property in transit
- Employee tools & equipment
- Auto liability for dealers
- Physical damage for cars held for sale
- Professional Liability
- Employment Related Practices Liability
- Umbrella/Excess Liability
- Workers Compensation
- Value Added Services:
- Full Loss Control Services
- Premises liability reviews
- Engineering Services (infrared testing of electrical panels)
- Professional Insurance Consulting
- Contract reviews
- Building Lease reviews
- Equipment lease reviews
- Safety assessments
Business Insurance
Naccarato Insurance offers a wide variety of products with comprehensive coverages at competitive rates. Our Commercial Lines Department is committed to delivering quality without compromising the attention of what's important to you. We specialize in certain programs that offer a wide range of coverages to business needs. We understand the bottom-line, which is why we offer choices.
SPECIALIZED PROGRAMS
- OFFICES
- CONTRACTORS
- GARAGES
- RESTAURANTS
- GAS STATIONS
- CAR DEALERSHIPS
- BUS COMPANIES
- CONVINENCE STORES
- WHOLESALERS
- DISTRIBUTORS
- MANUFACTURERS
- RETAIL STORES
- BEAUTY/BARBER SALONS
- APARTMENT BUILDING
- CONDO ASSOCIATIONS
- TECHNOLOGY RISKS
- FLORISTS
- HOTEL/MOTEL
- MUNICIPALITIES
- MACHINE SHOP
- AND MORE ...
Inquire about Group Health Insurance >
Benefit Plus - 5 Employees +
The Travelers Benefits Plus Insurance Program is designed for companies with 5 to 2,500 employees. The program gives you the ability to offer employees the benefit of convenient access to attractively priced, Employees can enroll in Travelers Auto, Home and other personal insurance through work, and take advantage of insurance premium discounts and payments through payroll deduction.
ADVANTAGES FOR YOUR EMPLOYEES
Savings. With this program, employees can receive all the benefits of being with Travelers and may receive lower rates than they could obtain on their own. Convenience. Employees do not have to search for insurance coverage, because they can obtain it through work. And they’ll save time making payments because it’s automatic through payroll deduction or EFT from their bank account.
Responsive Service. Rather then an automated voicemail menu, our toll-free claims hotline puts your employees in touch with a Travelers customer service representative 24//7. Claims are handled promptly, fairly and without hassles, so employees won’t lose time away from work or home.
A Complete Line of Personal Insurance. Travelers is the one source that can meet all of your employees’ individual insurance needs – including automobile, homeowners, condominium, renters, boat and yacht, identity theft protection, personal liability umbrella, and valuable items.
Money-saving opportunities. Travelers insurance is competitively priced. To make it even more affordable, Travelers offers many available credits, as well as additional discounts of up to 10 percent* for customers who take more than one policy through Travelers.
Call for more info: 1-800-823-7134
Restaurants
Being a restaurant entrepreneur in today's highly competitive business world is more challenging than ever. Commercial insurance is just one aspect of running a restaurant, yet it is one that could prove to be the difference between success and failure. The secret lies in choosing the right partner who knows the market, knows your industry and has their own successful track record.
The reality is that the insurance market is constantly changing and different companies are emerging with new restaurant packages all the time. Working with many insurance companies enables us to find the best restaurant insurance program available today. Over 45 years, we've built strong relationships with our companies and also with restaurant owners who look to us to help them protect all they've worked so hard to achieve. Now is the time to let us help you too.
Just some of the highlighted coverages that we can offer to meet your restaurant needs:
- General Liability
- Property
- Food Spoilage
- Liquor Liability
- Business Income
- Business Auto
- Employee Dishonesty
- Equipment Breakdown
- Workers Compensation
- And More ...
Call for more info: 1-800-823-7134
Bed & Breakfasts
A homeowner’s policy generally won’t protect you if…
A guest falls down your stairs, breaks and ankle and sues you for negligence. Your business property is damaged. Wedding guests become ill after eating food you prepared. You lose income because you have to close your inn for three weeks to make repairs. If any of these concern you, consider getting a commercial policy to make sure you are protected.
If you have commercial insurance, you may want to consider these also …
Commercial automobile for the automobile you use while conducting inn business. Special events insurance if you host events. Business income insurance protects you if you lose income because you B&B is temporarily out of operation due to a covered loss, like a fire. Products/completed operations insurance protects you if you do limited catering, or operate a gift shop or restaurant.
You can lower your premium depending upon your type of policy…
Some ways to lower your premium include installing fire and burglar alarms, dead bolt locks, smoke detectors, fire extinguishers and emergency lighting. Also, tell your agent about upgrades to plumbing, heating and electrical systems and wind-resistant shutters, which may also cut your premium.
Some other considerations…
If you have employees, do you have workers’ compensation insurance?
If you serve alcohol, do you have liquor liability?
If there are other structures on site, are they covered?
If you have high value items such as unique art, antiques or sculptures are they scheduled?
Health Insurance
The Naccarato Insurance agency prides itself on our extensive employee benefits products and services. Our benefits specialists will custom design and implement a plan from our wide variety benefit programs to meet our clients needs.
We also offer individual Medicare Advantage (Part C) plans, with and without Medicare Prescription Drug coverage (Part D) for those people entitled to Medicare Parts A & B.
Whether you are a sole proprietor or have a small or large group of employees, we can provide plans that will meet the needs of you as the employer, as well as your valuable employees!
WE OFFER
- GROUP MEDICAL
- DENTAL PLAN
- VISION PLAN
- HEALTH REIMBURSEMENT
- HEALTH SAVINGS QUALIFIED PROGRAM
- MEDICARE ADVANTAGE PLANS
- MEDICARE PART D COVERAGE
COMPANIES WE REPRESENT
- MVP
- CDPHP
- AETNA
- EMBLEM HEALTH
- EMPIRE BLUE CROSS BLUE SHIELD
- MET LIFE DENTAL
- DELTA DENTAL
Health Insurance: Get a Free Quote >
Or contact Robert A McCaig:
Bob@naccaratoinsurance.com
Disability Insurance
Are you protecting your most valuable asset? Your ability to earn income can be insured with disability income insurance. We offer coverage for almost every occupation class, from highly rated insurance carriers.
Business owners can get coverage to allow their business to continue if they become sick or injured, on or off the job, overhead expenses can also be insured.
We also offer discounted guaranteed issue plans for small and large employer groups.
WE OFFER
- INDIVIDUAL PLANS
- GROUP COVERAGE
- BUSINESS CONTINUATION
- BUSINESS OVERHEAD
COMPANIES WE REPRESENT
- MUTUAL OF OMAHA
- METLIFE
- PRINCIPAL
- UNUM / PROVIDENT
Call Thomas M. Potter Jr. for more info at:
1-800-823-7134 ext: 114
Long Term Care
Would you like to protect your hard earned assets, insure your independence and guarantee the quality of care you receive when you need it most? Long Term Care insurance can provide all of these things. It can pay for care at home, in an assisted living facility or in a nursing home. Many people think Medicare pays for long term care, it generally doesn’t. A quick “needs” analysis can help you decide if long term care insurance is right for you.
WE OFFER
- NYS PARTNERSHIP PLANS
- INDEMNITY PLANS & REIMBURSEMENT
- TAX QUALIFED POLICIES
- GROUP COVERAGE
COMPANIES WE REPRESENT
- GENWORTH FINANCIAL
- JOHN HANCOCK
- MEDAMERICA
- METLIFE
- PRUDENTIAL
Call Thomas M. Potter Jr. for more info at:
1-800-823-7134 ext: 114
Visit NY State Partnership for Long-Term Care at
http://www.nyspltc.org
Life Insurance
If someone depends on you financially, then life insurance is a product that is essential for many reasons. It can help your loved ones when you are gone allowing them to pay off debts, such as mortgages, college loans and funeral expenses. How financially devastating would the loss of your income be to your family? We can provide the answers and products to help you be sure.
We also offer life insurance protection for business owners to cover loans, buy & sell agreements and cover employee groups.
Life Insurance: Get a Free Quote >
Or call Thomas M. Potter Jr. for more info at:
1-800-823-7134 ext: 114
Financial Services
Naccarato can provide you with a range of financial services. To learn more, contact us:
1-800-823-7134
or
845-246-7134 x 114
Insurance Claims - Personal
| COMPANY NAME | CLAIM PHONE NUMBER |
| 21st Century | 1-888-244-6163 |
| Adirondack Insurance Exchange | 1-866-992-4368 |
| AIG | 1-888-244-6163 |
| Allstate | 1-800-386-6126 |
| Allstate Flood | 1-800-527-2634 |
| American Modern | 1-800-543-2644 |
| AUTO ONE | 1-866-252-4669 |
| Carriero & Sons | 1-800-777-1344 |
| Dairyland | 1-800-526-4252 |
| Donegal | 1-800-877-0600 |
| Eastern Mutual | 1-800-367-3242 |
| Encompass | 1-800-262-9262 |
| Erie & Niagara | 1-800-234-9876 |
| Farmer's | 1-800-435-7764 |
| Finger Lakes | 1-800-724-4032 |
| Foremost | 1-800-527-3905 |
| GMAC | 1-800-468-3466 |
| Hagerty | 1-800-922-4050 |
| Hartford | 1-800-771-8557 |
| Kemper | 1-800-357-8999 |
| Lovullo | 1-800-876-3065 |
| Main Street America | 1-877-425-2467 |
| Mercury | 1-877-533-6330 |
| North Country | 1-800-847-7030 |
| NY Mutual | 1-800-962-3155 |
| Preferred Mutual | 1-800-333-7642 |
| Progressive | 1-800-274-4499 |
| RLI | 1-800-823-7134 |
| Security Mutual | 1-800-822-1232 |
| Sterling Insurance Company | 1-800-462-4661 |
| Tower | 1-866-992-4368 |
| Travelers | 1-800-252-4633 |
| Travelers Flood | 1-800-356-6670 |
| Utica First | 1-800-456-4556 |
| Vermont Mutual | 1-800-435-0397 |
Insurance Claims - Business
| COMPANY NAME | CLAIM PHONE NUMBER |
| Allstate Insurance | 1-800-255-7828 |
| AIG | 1-800-645-2259 |
| Cardinal Comp. | 1-866-850-2667 |
| CNA | 1-800-262-2000 |
| Eastern Mutual | 1-800-367-3242 (ext 228) |
| Erie and Niagara | 1-800-234-9876 |
| First Rehabilitation | 1-800-365-4999 |
| Finger Lakes | 1-800-724-4032 |
| GMAC | 1-800-468-3466 |
| Hartford | 1-800-327-3636 |
| Merchants Mutual | 1-800-952-5246 |
| Midrox | 1-800-782-0834 |
| NGM | 1-800-962-5515 |
| North Country | 1-800-847-7030 |
| NYMU | 1-800-962-3155 |
| NYSIF | 1-877-467-3863 |
| One Beacon | 1-866-992-4368 |
| Preferred Mutual | 1-800-333-7642 |
| Progressive | 1-800-274-4499 |
| Security Mutual | 1-800-822-1232 |
| Selective | 1-866-455-9969 |
| Sterling | 1-800-462-4661 |
| Tower | 1-888-856-5522 |
| Travelers | 1-800-238-6225 |
| Utica First | 1-800-456-4556 |
| Vermont Mutual | 1-800-451-5000 |
| Zurich | 1-800-987-3373 |
About Us
John R. Naccarato,
CEO
John P. Naccarato,
President
Naccarato Insurance was established in 1963. In our years of service we have taken pride in our long term relationships with both our clients and our carriers. Our family owned and operated business has been in existence for 50 years. The agency's growth over this time is supported by a growing staff of almost 30 with multiple locations. We work hard to accommodate our growing and diverse client base. The foundation of our philosophy has been built on our long term commitment and service.
Companies/Carriers
Personal
- 21st Century
- Adirondack Insurance Exchange
- AIG
- Allstate
- Allstate Flood
- American Modern
- AUTO ONE
- CountryWay Insurance
- Dairyland
- Donegal
- Eastern Mutual
- Encompass
- Erie & Niagara
- Farmers
- Finger Lakes
- Foremost
- GMAC
- Hagerty
- Hartford
- Kemper
- Main Street America
- Mercury
- MetLife Auto & Home
- National Grange
- North Country
- NYMU
- Preferred Mutual
- Progressive
- RLI
- Security Mutual
- Sterling Insurance
- Tower
- Travelers
- Travelers Flood
- Utica First
- Utica National
- Vermont Mutual
Business/Commercial
- Allstate Insurance
- AIG
- Cardinal Comp.
- CountryWay Insurance
- CNA
- Eastern Mutual
- Erie & Niagara
- First Rehabilitation
- Finger Lakes
- GMAC
- Hartford
- Main Street America
- Midrox
- National Grange
- North Country
- NYMU
- NYSIF
- One Beacon
- Philadelphia
- Preferred Mutual
- Progressive
- Security Mutual
- Selective
- Sterling Insurance
- Tower
- Travelers
- Utica First
- Utica National
- Vermont Mutual
- Zurich
Life/Health/Dental/Disability
- Aflac
- Allstate
- American General
- AXA/Equitable
- CDPHP
- Delta Dental
- Emblem Health
- Empire Blue Cross Blue Shield
- First Rehabilitation Life
- Genworth Financial
- ING
- John Hancock
- Lincoln
- Medamerica
- MetLife
- MetLife Dental
- MetLife of Ct (formerly Travelers)
- Mutual of Omaha
- MVP
- Presidental
- Principal
- Prudential
- Union Central
- UNUM/Provident
- US Life
- William Penn
- Zurich