Providing personal and commercial insurance & risk management services
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General Info
Bacarella Insurance Group is an independent insurance agency offering a complete range of insurance products and services. All your personal, family, and business insurance needs can be met through our agency. Our personal risk advisors can assist you in designing the most comprehensive, cost effective program available. We will expose gaps and costly overlaps that can leave your entire net worth exposed. Bacarella Insurance Group takes pride in providing quality products and services while maintaining the highest level of integrity. Bacarella Insurance Group represents all the major personal insurance markets, and we look forward to working with you.
A major benefit of having car insurance is that it provides an economic safety net for people. In a society in which most people live paycheck to paycheck, there isn’t much wiggle room for emergency situations that cost a lot of money.
RV Insurance
While you can partially cover your RV with an existing auto policy, we don’t recommend it. RV insurance policies are specially tailored to meet a RV user’s unique needs, covering many possibilities auto policies can’t.
Inland Marine Insurance
A form of inland marine insurance, often on an “all-risk” basis, covering various kinds of equipment. This insurance coverage is designed to move with the equipment from job site to job site. An equipment floater policy can cover many types of mobile property, from hand tools to bobcats, skid steers and tractors.
The term personal lines insurance refers to insurance that is sold to individuals rather than groups or businesses. It most often refers to property and casualty insurance like auto, homeowners and renters insurance. Insurance intended for businesses is called commercial lines but if a personal auto is used in a business it may require commercial insurance. Commercial insurance may also be necessary for businesses that are operated from home.
Home Insurance
Homeowner’s insurance is something that is often overlooked. Most people do not consider the benefits of a homeowner’s policy and therefore do not look at how much it is worth. We could not get by without it because the cost of damage is usually too high to pay.
Condo Insurance
By obtaining your own condo insurance policy, you could get aid in covering some of the unexpected costs that are classified as owner responsibilities. Your policy may include payment for flooring damages, electrical wiring repairs, or replacement of the ceiling and drywall after an event covered by the policy has taken place.
Life insurance is a contract between an insured (insurance policy holder) and an insurer or assurer, where the insurer promises to pay a designated beneficiary a sum of money in exchange for a premium, upon the death of the insured person.
Health Insurance
Health insurance is insurance against the risk of incurring medical expenses among individuals. By estimating the overall risk of health care and health system expenses, among a targeted group, an insurer can develop a routine finance structure, such as a monthly premium or payroll tax, to ensure that money is available to pay for the health care benefits specified in the insurance agreement.
Long Term Care
Your life is important! How will you plan for it? Call for a personal consultation to review your current plans, options available and discuss strategies for income protection and retirement planning. We specializes in Life, Long Term Care, Medical Supplements, and Disability products.
Commercial property insurance is a special type of insurance that covers the company building as well as the contents owned by the company. “Property” can include a variety of types: lost income or business interruption, buildings, computers, money, and valuable papers.
Workers Compensation Insurance
Workers’ compensation, also known as workmans’ comp, is a state-mandated insurance program that provides compensation to employees who suffer job-related injuries and illnesses.
Commercial Liability Insurance
Your business faces liabilities every day. The only way to protect your assets is to carry adequate business liability insurance. A Commercial General Liability (CGL) insurance policy is the first line of defense against many common claims.
Did you know floods are the #1 natural disaster in the United States? You don’t need to live near water to be flooded – everyone lives in a flood zone. In fact, nearly 25 percent of flood losses occur in low to moderate risk areas.