Established in 1997 by Joseph P. Balboni, Clippership Insurance has grown in to one of the area's fastest growing agencies. We are committed to the highest standards of excellence in all that we do and strive to establish and maintain a relationship of mutual trust with each of our clients. We do not work for an insurance company, we work directly for you.
We represent a carefully selected group of financially sound reputable insurance companies and we place your policy with the company offering the best coverage at a highly competitive price. By risk elimination, risk transfer or risk assumption, the cost of your package of insurance may be considerably reduced.
We represent a carefully selected group of financially sound reputable insurance companies and we place your policy with the company offering the best coverage at a highly competitive price. By risk elimination, risk transfer or risk assumption, the cost of your package of insurance may be considerably reduced.
Services
Home owner insurance provides coverage for one of your largest personal assets.
Home owner insurance is based on the replacement cost of your home, not market value.
In simplistic form, if your home was a total loss today- how much money would you need from an insurance carrier to rebuild your home as if the loss never occurred?
Loss of Use: We will cover additional living expenses while your home is being repaired due to a covered loss.
Other structures: We will cover additional "man" made additions to your property including fences, sheds, flag poles, and private utility poles.
Home owner insurance is based on the replacement cost of your home, not market value.
In simplistic form, if your home was a total loss today- how much money would you need from an insurance carrier to rebuild your home as if the loss never occurred?
Loss of Use: We will cover additional living expenses while your home is being repaired due to a covered loss.
Other structures: We will cover additional "man" made additions to your property including fences, sheds, flag poles, and private utility poles.
Condominium Insurance provides three very important coverages.
It provides personal liability coverage, personal property coverage and "gap" coverage from where the master policy of the condominium association ends and the replacement cost to your individual unit.
Personal Liability: Coverage in case someone sues you do to alleged negligence on your part.
Personal Property: Your personal items that are not permanently attached to the condominium, not including autos and other motorized vehicles.
It provides personal liability coverage, personal property coverage and "gap" coverage from where the master policy of the condominium association ends and the replacement cost to your individual unit.
Personal Liability: Coverage in case someone sues you do to alleged negligence on your part.
Personal Property: Your personal items that are not permanently attached to the condominium, not including autos and other motorized vehicles.
Since you do not own the building of which you live, if there is a loss, the building insurance policy only protects the property owner and rarely will it afford coverage to the tenants in the building.
To protect yourself, renters insurance provides coverage for your personal effects and liability protection.
Renters insurance is relatively inexpensive.
The first part of renters insurance is for the value of your personal items in the apartment.
This would include clothes and furniture.
The second part of the policy is liability, which would protect you if you are accused of negligence to another person.
To protect yourself, renters insurance provides coverage for your personal effects and liability protection.
Renters insurance is relatively inexpensive.
The first part of renters insurance is for the value of your personal items in the apartment.
This would include clothes and furniture.
The second part of the policy is liability, which would protect you if you are accused of negligence to another person.
Whether you own a building, equipment, inventory or furniture- you have commercial property.
Who will cover the replacement of these in the event of a fire, theft, weather related loss, long term power outage etc.? A catastrophic loss could close down your business temporarily or indefinitely.
Loss of income coverage can be purchased as a part of a property policy and will assist with the expenses while your business is closed as a result of a covered loss.
Who will cover the replacement of these in the event of a fire, theft, weather related loss, long term power outage etc.? A catastrophic loss could close down your business temporarily or indefinitely.
Loss of income coverage can be purchased as a part of a property policy and will assist with the expenses while your business is closed as a result of a covered loss.
Whether you are a sole proprietor with a single employee or a fortune 500 company- if you have an employee, workers compensation is required.
Workers compensation is designed to provide employees protection in the event of an accident either at a job location or at the place of employment.
Premiums are based on a function of payroll and job classification.
Workers compensation is designed to provide employees protection in the event of an accident either at a job location or at the place of employment.
Premiums are based on a function of payroll and job classification.
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