Coverage
Lines of insurance we write
One agency for the policies a business needs to operate and the policies a household needs to protect what it owns.
Business insurance
- General Liability
- Bodily injury and property damage claims made against your business by third parties.
- Workers' Compensation
- Medical costs and lost wages for employees injured on the job, plus employer's liability.
- Business Owner's Policy (BOP)
- Property and liability coverage combined in one policy for small and mid-sized businesses.
- Commercial Property
- Buildings, equipment, inventory and business income.
- Commercial Auto
- Vehicles owned, leased or used by your business, from a single truck to a fleet.
- Professional Liability
- Claims arising from errors, omissions or negligence in the professional services you provide.
- Commercial Umbrella
- Additional liability limits above your primary business policies.
- Commercial Flood
- Flood damage to business buildings and contents, which standard commercial property policies exclude.
- Surety Bonds
- Contract bonds (bid, performance and payment) and commercial bonds, including license and permit bonds.
Personal insurance
- Personal Auto
- Liability, collision and comprehensive coverage for the vehicles in your household.
- Homeowners
- Your house, other structures on the property, your belongings and personal liability.
- Condominium
- Your unit, improvements and belongings, working alongside the association's master policy.
- Renters
- Your belongings and personal liability when you rent your home or apartment.
- Landlord / Dwelling
- One- to four-family homes you rent to others, including loss of rental income.
- Flood
- Flood damage to your home and belongings, which standard homeowners policies exclude.
- Jewelry & Valuables
- Engagement rings, watches and other items scheduled for their full value, beyond the limits of a homeowners policy.
- Pet Insurance
- Veterinary bills for accidents and illness for your dogs and cats.
- Personal Umbrella
- Additional liability limits above your auto and home policies.
Contractors & trades
We put together complete insurance programs for general contractors and trade contractors, and the bonds many contracts and licenses require.
- General Liability
- Workers' Compensation
- Commercial Auto
- Contractor's Equipment
- Builder's Risk
- Umbrella / Excess Liability
- License & Permit Bonds
- Bid, Performance & Payment Bonds
How we work
From first call to bound policy
Tell us about your risk
We start with a conversation about your operations, property, vehicles and the coverage you carry today.
We prepare the submission
We complete the applications and gather the supporting documents an underwriter needs to price your account.
Review your options
We walk you through the coverage, limits and premium so you can decide with the details in front of you.
About the agency
Direct access to the person handling your account
Coverage 4All Agency Inc. is led by Andrew Persaud, Principal. When you call, you speak with the person who prepares your application and follows it through to the policy.
We write both commercial and personal lines, so a business owner can keep company and household coverage with one agency.
For a business quote, have ready
- Legal business name, address and FEIN
- A description of your operations
- Estimated annual payroll and gross sales
- Current policy declarations pages
- Loss runs for prior policy years, if available