Castle Rock Insurance Agency

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Restaurant Insurance, Building Insurance, Builders Risk Insurance, Church Insurance

Professional Insurance Agency Service 

Castle Rock Insurance Agency is a professional full service Property & Casualty Insurance services boutique serving the Business and Personal Marketplace.

Building Insurance, Restaurant Insurance, Church Insurance, Personal Insurance 

If you are looking for Insurance for a Building, Insurance for a Restaurant, Insurance for a Church, a home & auto or have a business that needs commercial insurance coverage, we will take the time to explain what you are buying, so you understand what is at stake and what you will be protected for.

An Insurance Agency that Educates its Clients 

The key to our success is that we educate our clients to the exposures surrounding their personal and business assets so they can make educated decision as to their own insurance needs. We have been extremely successful in lowering insurance costs for our clients by leveraging our knowledge and relationships within the insurance industry. We always aggressively market and negotiate insurance premiums and coverage’s which usually results in an insurance product that is both comprehensive in coverage and competitive in price.

Are we competitive? Take a look at the long list of carriers we represent. Our job is to match the right company and the right insurance coverage with each individual or company looking for coverage.

Castle Rock Agency, Inc's  founders have a successful history. One was a previous underwriter from one of the nation’s biggest insurance wholesalers and the former president of one of the largest privately owned retail insurance agencies in New York City.  The other has almost a decade of experience as a underwriter with prior experience as a health care administrator with 2 back-to-back JCAHO commendations.

At Castle Rock we take the time to understand the operations of our clients and try to put together an insurance program that best suits their needs. No matter the size of the premium of an account, we treat all our clients with the same respect and attention.

Our success is embedded in our ability to continually surpass our client’s expectations. We are a company of people with a single-minded commitment to Customer Satisfaction. It is this attitude that makes Castle Rock stand out as a leader within the insurance community. And it is this attitude that can be seen in the quality of the services we provide to our customers.  We always strive to build relationships for life by exceeding expectations.

Insurance Experience and Expertise 

Experience - Our group of insurance professionals are among the most experienced in the industry. Importantly, our business model allows them to dedicate the necessary senior-level attention to clients.

If you are a commercial, business, personal or organizational client, or provide a personal service, you can benefit from our expertise.  Castle Rock Insurance Agency serves the personal and business insurance needs of individuals, families and businesses.

We Currently Offer Restaurant Insurance, Building Insurance, Church Insurance, Contractors Insurance, Builders Risk Insurance, Home Insurance, Auto Insurance, Umbrella, and Bonds in New York, NY, New Jersey, NJ, and Pennsylvania, PA.

Castle Rock Insurance Agency
Business Insurance
Personal Insurance
Intelligent Insurance

 
Self Driving Cars

Will Self Driving Cars Be programmed to Play God?

While at a recent continuing education class, the topic of *Self Driving Cars* arose. The concern from an insurance stand point is "Who would be liable in the event of an accident?" The driver, the auto manufacturer, the system designer?

Who is driving the car?

To date Google's self driving cars have driven in excess of 1,500,000 miles, and although there have been 12 accidents, none of them have been the fault of the self driving car. As these self driving cars, or autonomous vehicles, begin to roll out, however, there will be, during the transition in, both manually driven and autonomous vehicles sharing the road. The problem arises here... You are occupying a self driving car, heading towards you is a semi truck, to your right is a vehicle occupied by an elderly couple, to the left is a woman pushing a stroller with 2 infants. The computer system identifies the scenario and determines that someone has to die. It'll be either you, an elderly couple without much life left to live, or a mother and her two children.
Now what?
It stands to reason that these systems will need to be programmed with risk mitigation analysis to minimize the cost and severity of a claim. The question remains, will these be published scenarios with full transparency that clearly state what the outcome the systems will choose when faced with these situations? With assisted self driving cars to roll out as early as 2017 and fully autonomous vehicles slated to hit the streets as early as 2020, there are several obstacles that will need to be overcome. However the severity of the incident will no longer be determined by the driver, nor will the potential outcome of your life, it will be determined by a computer programmer. 

 

Self Driving Cars

 

 
Cyber Liability & Data Breaches Can Cost Your Business an Average of $200 Per Record

Why do you need Cyber Liability Insurance - Data Breach Insurance ?

In the insurance industry  the is an increasing concern brewing regarding Cyber Liability Insurance and Data Breach Insurance data cyber breach cost Coverage, it is typical when this happens, that the reason is that there is an increasing need for the coverage and more importantly an increased frequency of claims.

 

What is Cyber Liability Insurance or Data Breach Insurance?

With the explosion of the use of computers, the internet, database use, implementation of mobile devices and remote employees there has become an increased exposure of information being much more accessible than it was in days past when they were safely stored on paper in an office. For the sake of convenience, now, in the computer era client data is now being stored digitally to make it more accessible to employees, more portable for computer systems and simpler to gather and collect. With this the possibility of this information being lost, compromised or stolen has also increased. Claims can stem from lost computers, hacked emails, hacked websites or website databases being scraped from websites.

 

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Business Insurance - Who is an Insured?

Who is an Insured On A Commercial General Liability Policy

 

Revisions in the CG 00 01 04 13, the April 2013 Commercial general Liability Form

When taking out a Commercial General Liability it is important to recognize who is an Insured, and who is not an Insured, it is also important to understand who can, and who can not be named as an Additional Insured

 

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Ice Dams and Roof Snow Removal

Ice Dams

An ice dam has the potential to cause serious damage to both your roof and the inside of your home. It is important to take the right steps to protect your home from the risks associated with heavy snow and ice.

 

What is an Ice Dam?


An ice dam can form when water from melting snow re-freezes at the edge of your roofline. Without roof snow removal, the ice dam may grow large enough to prevent water from draining off the roof. The water can then back up underneath the roof shingles and make its way inside your home.

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Tuesday, June 30, 2015
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