Paladino Insurance Agency, Inc. offers the following policies tailored to your specific insurance needs:

APARTMENT AND CONDO PROGRAM – designed for owners of apartment buildings
and/or condominium associations.

BUILDING PROGRAM - designed for lessors of commercial buildings occupied by offices, mercantile and retail establishments.

BUSINESS SERVICE PROGRAM - designed for businesses providing personal consumer services, businesses repairing light consumer goods and businesses engaged in printing.

CONTRACTORS PROGRAM –  designed for small to large specialty trade contractors including commercial auto and workers compensation coverage

GARAGE PROGRAM - designed for independently operated or franchised automotive service
and repair businesses including garagekeepers liability and towing coverage

MANUFACTURERS PROGRAM - designed for manufacturers of food products, leather goods, metal
goods, paper products, plastic goods, rubber products, textiles and wood products.

OFFICE PROGRAM - designed for a variety of firms providing medical, legal, financial or other professional and consulting services for their clientele.

RELIGIOUS PROGRAM – designed for small churches and other houses of worship including commercial auto coverage and professional liability coverage.

RESTAURANT AND FOOD PROGRAM – designed for various food service establishments such as fast food, family-style restaurants, fine dining establishments, banquet and reception facilities and caterers, as well as the larger family-style restaurants and specialty delicatessens and cafes.  Liquor liability and equipment breakdown coverage is also available.

STORE PROGRAM – designed for most all businesses engaged in retail commerce.  Over 2000 types of retailers are eligible for the program.

TECHNOLOGY AND COMPUTER PROGRAM – designed for manufacturers of electronics and
instruments products as well as technology firms providing computer consultation and a variety of technology services for their clientele.  Professional and fiduciary liability coverages are also available.

WHOLESALERS AND DISTRIBUTER PROGRAM - designed for distributors of various types of durable and non-durable domestic and international products.

PROFESSIONAL LIABILITY AND E&O PROGRAM –  designed for a wide array of professionals including the legal, financial, health, technology, medical and educational fields.

SPECIALTY COMMERCIAL AUTO PROGRAM – designed for local to long distance trucking exposures including, garage liability, on hook, cargo and physical damage coverage.  Virtually all commercial auto exposures are eligible. 

A full line of coverages such as general liability, property, worker’s compensation, commercial vehicle coverage, and umbrella liability are available within each program.

Call or request a quote to find out the latest coverages available.

Generally speaking, most Homeowner policies provide coverage for your Home, the Contents of your home, and Other Structures such as a garage or shed.

Personal property is typically covered against windstorm and hail, vandalism, fire and lightning, damage by vehicle or aircraft, bursting of plumbing systems, damage from falling objects, theft, damage caused by weight of ice and smoke. In addition, coverage can be provided for Personal Liability, Medical Expenses of Others which result from injury on your premises and Damage to the Property of Others while on your premises.

RENTERS COVERAGE is also available. Coverage is provided for your Contents as well as your Personal Liability.

We provide comprehensive coverages for your most prized possessions. We offer a complete line of special coverages for things like baseball card collections, figurine collections, cameras, jewelry, and just about any kind of collectable or fine art. We personalize your coverage. Call or request a quote to find out the latest coverages available.

Personal auto insurance is a complicated area. Many insurers lead you to believe that discussing this subject with an inexperienced telemarketer is a quality substitute for having a personal agent. Don’t buy into that theory for a minute.

Through our years of experience we can prove time and time again that there is no substitute for having an agent to guide you. Price is part of the issue, not the entire issue. We will give you prices from other companies, AND we can SELL you those other companies. The bitterness of poor coverage and service will linger long after the happiness in discovering cheap coverage. Talk to us about the unique features of our auto plans. Call or request a quote to find out the latest coverages available.

Generally speaking, most Personal Auto policies provide the following basic coverages:

• Bodily Injury Liability – Covers accidental injury or death of another person if caused by you in an automobile related accident.
• Property Damage Liability – Covers accidental damage to other people’s property if caused by you in an automobile related accident.
• Defense Costs – Covers court costs, legal expenses and attorney’s fees.
• Collision – Covers you for damage to your car in an accident, regardless of who was at fault.
• Other Than Collision – Covers your car against damage from fire, lightning, flood, theft, glass breakage, falling objects, and other specified perils.
• Personal Injury Protection – Covers you and your family who sustain bodily injury caused by an accident involving the use of an automobile, for medical expenses, income continuation, essential services, death benefit and funeral expenses.
• Uninsured / Underinsured Motorist – Covers injury suffered by you, your family and anyone riding in your car against the uninsured / underinsured or hit-and-run driver.

Special programs available for Motorcycles, ATVs, Off-Road Vehicles, Yachts, Boats and other Watercraft.

Life insurance may be one of the most important purchases you’ll ever make. In the event of a tragedy, life insurance proceeds can help pay the bills, continue a family business, finance future needs like your children’s education, protect your spouse’s retirement plans, and much more.

Term, Whole, Universal and Variable Life Insurance products, including Annuities are available.

Long Term Disability

When most people think about insuring their valuables, they think about their car, their home, or maybe an expensive piece of jewelry. What many people fail to realize is that all ofthose things are purchased from your income. Your income is typically your largest asset.

Disability insurance can provide you and your family with a source of replacement income to help make ends meet until you’re able to return to work.

Long Term Care Insurance

If you are 50 years of age or older, you should consider Long Term Care insurance. The cost of Long Term Care, should you need it, can quickly deplete your life’s savings.

Long Term Care insurance pays for nursing homes, assisted living facilities, and i-home aid related costs.

Health Insurance

If you’ve ever been sick or injured, you know how important it is to have health insurance coverage. Health insurance pays for things big and small, from a lab test that might cost $100 to a hospital stay for major surgery that could cost thousands of dollars.

We offer all forms of individual health insurance including:

• Medical
• Dental
• Medical Savings
• Medicare Supplements
• Health Savings Accounts (HSAs)

As a small business owner you are responsible not only for the welfare of yourself and your family but for many others as well, including partners, employees and customers. Whether you run your business our of your home or office, factory or warehouse, we can help you develop a comprehensive and well-conceived insurance and benefits program.

Employee Benefits

An adequate employee benefit plan is essential in business today, no matter what the size of your company.

• Health Insurance – medical coverage is the cornerstone of an effective benefits package. Fortunately, there are plenty of options, each offering tradeoffs between flexibility and affordability. Click Here for Health Insurance Benefit Quotes.
• Life Insurance – Compared to other popular benefits, a basic life insurance benefit is relatively inexpensive to provide and can be easily supplemented by voluntary coverage. Click here for Life Insurance Benefit Quotes.
• Disability Income Insurance – Employer-sponsored Disability Insurance provides employees with a source of replacement income if they are unable to work due to accident or illness. Click here for Disability Income Insurance Benefit Quotes.
• Dental & Vision – Dental and Vision have grown in popularity and can provide coverage for all or part of the costs of cleanings, X-rays, annual oral exams, fillings, an annual routine eye exam, an annual contribution towards perscription eyeware and a glaucoma screening. Click here for Dental & Vision Benefit Quotes.
• Long Term Care – Employers can offer long-term care benefits tailor-made for their employees at relatively low cost. And the federal tax code allows employers to deduct as a business expense both the cost of setting up a plan and any contributions made towards tax-qualified long-term care premiums. Click here for Long Term Care Benefit Quotes.
• Retirement Plans – With the exception of Health Insurance, retirement plans are the benefits employees desire most. Small business owners have a variety of plan options to choose from including 401ks SIMPLE plans, SEPS and IRAs. Please call us to create the best plan for your business.

Business Continuation

One of the first things any business owner needs to consider is how to protect against events that may threaten the future of the business, like the death or disability of a proprieter, partner or key employee. BUsiness continuation plans, a necessity for any business, protect family and partners from unwanted debts and responsibilities when an owner dies.

• Individual Life Insurance – Protect your family by providing them with funds to cover debts, ongoing living expenses and future plans in the event that something happens to you.
• Buy-Sell Agreements – Protect your partners with a properly structured and funded buy-sell agreement. You or your business partners won’t have to scramble to come up with the money to buy the others share of the business and will guarantee that your survivors will be compensated fairly and promptly.
• Key Person Insurance – Protect your business when a “key person” dies or becomes disabled. Key person insurance can help make up for lost sales or earnings or cover the cost of finding or training a replacement.