Car insurance typically offers 4 different coverages for you and your family if you sustain a loss by someone who carries no insurance or lower limits than you do..
Motorcycle Insurance
At Gates-Cole Insurance we know how quickly time flies. Most people don't have an hour to spend on the phone talking to a representative about obtaining a Home Insurance Quote NY. Fine. Here, on our website, we offer Auto Insurance Quotes, Boat Insurance Quotes, motorcycle Insurance Quotes and many more online quotes!
Boat Insurance
Today, with ten locations to choose from, 40+ licensed agents, 100 carriers represented and over 400 years of combined experience, there is almost nothing we can't help you protect. We still offer Fire insurance, Farm Insurance, and Homeowners insurance like we started with over one hundred years ago. We also offer car insurance, motorcycle insurance, boat insurance and motorhome insurance. We still insure horses and cows and all kinds of farms that we see today. We insure recreational vehicles, four wheelers, and all the toys that people have. Utility Tractors and side-by-sides can also be insured with us. Seasonal homes and camps seem to be popular with central New Yorkers and we cover them too. Personal Umbrella policies are also available to those that need additional protection once the need has been established.
With homeowners insurance in New York, we are faced with threats from earthquakes and floods, both of which are excluded under the standard homeowners NY policy. Earthquake coverage can be added to your home policy, while flood insurance cannot. Flood insurance is a federally regulated program, and coverage must be written on a separate policy.
At Gates-Cole Insurance, we insure all types of "Main Street" businesses such as offices, retail shops, restaurants, contractors, auto repair, etc.
Workers Compensation Insurance
Gates-Cole Insurance has evolved in the last 40 years to expand its expertise in insuring local towns, villages, municipalities, fire districts and other public entities that serve the public. It also has developed the expertise in protecting business owners with commercial insurance that includes package policies, commercial auto, workers compensation, and disability. New areas that are emerging are Employer Practices Liability and Cyber Liability. One thing is for sure, as the world changes, and the risks change, we are there to provide solutions to protect and minimize the risk. Lots of areas of specialization to customize an insurance program that fits your needs. We provide you with choices by educating and informing you of the necessary information to help protect your interests.
Professional Liability Insurance
We also insure volunteer fire departments, municipalities and volunteer ambulances. We can write the property, liability, Directors and Officers, Errors and Omissions and professional liability coverages for profit and non profit entities.