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Insurnce coverage doesn’t have to be difficult to understand. A basic Raksha policy will cover the following:
Homeowner Insurance
As a homeowner, you want to protect your biggest investment and the belongings inside your home. Having homeowner insurance can provide you with the necessary coverage to protect against unexpected losses. Here are some benefits of having homeowner insurance:
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Protection against property damage: Homeowner insurance can provide coverage for damage to your home caused by events such as fire, storms, vandalism, or theft. This coverage can also extend to your personal belongings, such as furniture and electronics.
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Liability coverage: If someone is injured on your property, homeowner insurance can cover the medical expenses, legal fees, and other costs associated with a liability claim.
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Additional living expenses coverage: If your home is damaged and you are unable to live in it, homeowner insurance can cover the additional living expenses, such as hotel and food expenses, that you incur while your home is being repaired.
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Peace of mind: With homeowner insurance, you can have peace of mind knowing that you have coverage in place to protect your home and belongings from unexpected losses.
Here are some key homeowner insurance products that you can consider:
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Property insurance: This coverage protects your home and personal belongings from damage caused by covered events.
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Liability insurance: This coverage protects you against lawsuits and claims for property damage or bodily injury caused by you or your property.
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Additional living expenses insurance: This coverage provides financial assistance if you need to live elsewhere while your home is being repaired.
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Personal property insurance: This coverage protects your personal belongings, such as furniture, electronics, and clothing, from damage or loss.
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The Risk of not having home insurance can expose you to significant financial risks in case of unforeseen events such as natural disasters, theft, or liability claims. If you don't have insurance coverage, you will be responsible for paying out of pocket for any damages or losses to your property or liability claims that may arise. This can be an expensive and potentially devastating experience, particularly if you don't have the financial means to cover the costs. Moreover, if you have a mortgage on your home, your lender may require you to have home insurance as a condition of your loan agreement, which means you could be in default of your mortgage if you do not have adequate coverage.
Auto Insurance
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Protection against damage: Auto insurance can provide coverage for damage to your vehicle caused by accidents, theft, vandalism, or other covered events.
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Liability coverage: If you cause an accident, auto insurance can cover the costs associated with damage to other vehicles or property, as well as injuries sustained by other drivers or passengers.
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Personal injury protection: This coverage can provide coverage for medical expenses, lost wages, and other related costs if you or your passengers are injured in an accident.
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Peace of mind: With auto insurance, you can have peace of mind knowing that you have coverage in place to protect you and your vehicle from unexpected losses.
Auto insurance provides protection for your vehicle, you and your passengers, and other drivers on the road. Here are some benefits of having auto insurance:
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Here are some key auto insurance products that you can consider:
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Liability insurance: This coverage is mandatory in most states and provides coverage for damage to other vehicles or property, as well as injuries sustained by other drivers or passengers.
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Collision insurance: This coverage provides protection for damage to your vehicle caused by an accident.
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Comprehensive insurance: This coverage provides protection for damage to your vehicle caused by events such as theft, vandalism, or weather-related damage.
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Personal injury protection: This coverage can provide coverage for medical expenses, lost wages, and other related costs if you or your passengers are injured in an accident.
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The risks of not having auto insurance can be significant. Without proper insurance coverage, you could face financial losses from property damage, liability claims, or medical expenses in the event of an accident. You could also be responsible for paying for damage or injuries caused to other drivers or their property. Additionally, if you are found to be driving without insurance, you could face legal consequences, such as fines, license suspension, or even jail time. By having auto insurance, you can protect yourself and others on the road from these risks and ensure that you have the right coverage in place when you need it.
Liquor Store Insurance
Liquor store insurance provides coverage for businesses that sell alcohol, including wine, beer, and spirits. Having liquor store insurance can offer several benefits, including:
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Protection against property damage: Liquor store insurance can cover damages caused by natural disasters, fire, theft, or vandalism. It can also cover the cost of repairing or replacing damaged equipment, such as coolers or shelving.
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Liability coverage: Liquor stores face potential liability risks from customers who may become intoxicated and cause injury or property damage. Liquor store insurance can provide liability coverage for incidents such as slip and fall accidents or property damage caused by intoxicated customers.
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Loss of income coverage: If a liquor store must temporarily close due to damage or other covered reasons, insurance can provide coverage for lost income.
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Liquor liability coverage: This coverage can protect against claims of injuries or damages caused by individuals who consumed alcohol sold by the store.
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Key products available for liquor store insurance include:
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Property insurance: This covers the building and its contents, including merchandise, fixtures, and equipment.
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General liability insurance: This coverage protects against claims for bodily injury, property damage, and advertising injury.
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Liquor liability insurance: This coverage provides protection against claims of injuries or damages caused by individuals who consumed alcohol sold by the store.
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Workers' compensation insurance: This coverage provides benefits to employees who suffer job-related injuries or illnesses.
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The benefits of having liquor store insurance are clear, but the risks of not having it can be severe. Without insurance, a liquor store owner could be responsible for significant costs associated with property damage, liability claims, or loss of income. The financial burden of these expenses could be overwhelming and potentially lead to the closure of the business. Additionally, not having liquor liability insurance can leave a store owner vulnerable to lawsuits arising from injuries or damages caused by customers who consumed alcohol sold by the store.
Gas Station Insurance is a must-have for businesses that sell fuel and operate convenience stores on their premises. It provides coverage for property damage, liability, and other risks that are unique to gas station businesses. Here are some of the benefits of having gas station insurance:
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Protection against property damage: Gas station insurance can cover damages caused by natural disasters, fire, theft, or vandalism. It can also cover the cost of repairing or replacing damaged equipment, such as fuel pumps, underground storage tanks, or convenience store fixtures.
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Liability coverage: Gas stations face potential liability risks from customers who may slip and fall, suffer injuries from fueling equipment, or become involved in accidents on the premises. Gas station insurance can provide liability coverage for incidents such as these.
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Business interruption coverage: If a gas station must temporarily close due to damage or other covered reasons, insurance can provide coverage for lost income.
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Pollution liability coverage: This coverage can protect against claims of environmental damage caused by fuel leaks or spills.
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Key products available for gas station insurance include:
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Property insurance: This covers the building and its contents, including merchandise, fuel tanks, and equipment.
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General liability insurance: This coverage protects against claims for bodily injury, property damage, and advertising injury.
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Pollution liability insurance: This coverage provides protection against claims of environmental damage caused by fuel leaks or spills.
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Business interruption insurance: This coverage provides benefits to businesses that suffer income loss due to damage or other covered reasons.
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The benefits of having gas station insurance are clear, but the risks of not having it can be severe. Without insurance, a gas station owner could be responsible for significant costs associated with property damage, liability claims, or loss of income. The financial burden of these expenses could be overwhelming and potentially lead to the closure of the business. Additionally, not having pollution liability insurance can leave a gas station owner vulnerable to lawsuits arising from environmental damage caused by fuel leaks or spills. As such, gas station owners are strongly advised to obtain comprehensive insurance coverage that suits their specific business needs.
Gas Station Insurance
HOURS & LOCATION
Location
1000 NORTHBROOK DR. TREVOSE , PA - 19053
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Phone: (215) 501 4159
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Hours
Monday - Friday
8:30 am to 5:30 pm
Saturday
9:00 am to 12:00 pm
Evenings by Appointment
Landlord Insurance
As a landlord, it's crucial to have the right insurance coverage to protect your investment property and yourself against unexpected events. Here are some benefits of having landlord insurance:
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Protection against property damage: Landlord insurance can provide coverage for damage to your rental property due to events like fire, storms, vandalism, or theft.
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Liability coverage: If a tenant or visitor gets injured on your rental property, landlord insurance can cover the medical expenses, legal fees, and other costs associated with a liability claim.
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Lost rental income coverage: If your rental property becomes uninhabitable due to damage, landlord insurance can cover the lost rental income during the time needed to repair or replace the property.
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Tenant-related risks coverage: Landlord insurance can also cover risks related to tenants, such as loss of rent due to tenant default, eviction costs, or damage caused by tenants.
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Here are some key landlord insurance products that you can consider:
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Property insurance: This coverage protects your rental property and any attached structures like garages, sheds, or fences.
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Liability insurance: This coverage protects you against lawsuits and claims for property damage or bodily injury caused by your rental property.
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Rent loss insurance: This coverage provides financial protection in case your rental property becomes uninhabitable due to a covered event, and you lose rental income as a result.
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Tenant discrimination coverage: This coverage can help protect you from claims of discrimination made by tenants or prospective tenants.
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The risks of not having landlord insurance can be significant. Without proper insurance coverage, you could be liable for damages to your rental property or for injuries suffered by tenants or visitors on your property. You could also face significant financial losses if your rental property becomes uninhabitable and you lose rental income. By having landlord insurance, you can protect yourself and your investment property from these risks and ensure that you have the right coverage in place when you need it.
Grocery Store (Retail) Insurance
As a grocery store owner, you face a unique set of risks and challenges that require proper insurance coverage to protect your business. Here are some benefits of having retail insurance for your grocery store:
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Protection against property damage: Retail insurance can provide coverage for damage to your store due to events like fire, storms, vandalism, or theft.
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Liability coverage: If a customer or visitor gets injured on your property, retail insurance can cover the medical expenses, legal fees, and other costs associated with a liability claim.
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Business interruption coverage: If your store is forced to close due to a covered event, retail insurance can cover lost income and additional expenses associated with the closure.
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Inventory protection: Retail insurance can also provide coverage for damage or loss of inventory, including spoilage or contamination.
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Here are some key retail insurance products that you can consider:
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Property insurance: This coverage protects your store, inventory, and any attached structures like storage units, signage, or awnings.
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Liability insurance: This coverage protects you against lawsuits and claims for property damage or bodily injury caused by your store or products.
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Business interruption insurance: This coverage provides financial protection in case your store is forced to close due to a covered event and you lose income as a result.
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Spoilage insurance: This coverage provides protection for perishable items in case of power outages, equipment failure, or other covered events.
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The risks of not having retail insurance can be significant. Without proper insurance coverage, you could face financial losses from property damage, liability claims, or lost income due to a forced closure. You could also be liable for injuries suffered by customers or visitors on your property, or for damages caused by your products. By having retail insurance, you can protect yourself and your business from these risks and ensure that you have the right coverage in place when you need it.
Hotel / Motel Insurance
As an owner of a hotel or motel, you need to have the right insurance coverage to protect your business from a wide range of potential risks. Here are some benefits of having hotel and motel insurance:
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Property damage protection: Hotel and motel insurance can provide coverage for damage to your building, furnishings, and other property caused by events such as fire, storms, vandalism, or theft.
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Liability coverage: If a guest or visitor is injured on your property, hotel and motel insurance can cover the medical expenses, legal fees, and other costs associated with a liability claim.
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Business interruption coverage: If your hotel or motel is forced to close due to a covered event, hotel and motel insurance can cover lost income and additional expenses associated with the closure.
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Workers' compensation: Hotel and motel insurance can provide coverage for injuries or illnesses suffered by your employees while on the job.
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Here are some key hotel and motel insurance products that you can consider:
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Property insurance: This coverage protects your hotel or motel property, including your building, furnishings, and equipment, from damage caused by covered events.
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Liability insurance: This coverage protects you against lawsuits and claims for property damage or bodily injury caused by your hotel or motel.
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Business interruption insurance: This coverage provides financial protection in case your hotel or motel is forced to close due to a covered event and you lose income as a result.
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Workers' compensation insurance: This coverage provides protection for your employees who suffer injuries or illnesses while working for your hotel or motel.
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The risks of not having hotel and motel insurance can be significant. Without proper insurance coverage, you could face financial losses from property damage, liability claims, or lost income due to a forced closure. You could also be liable for injuries suffered by guests or visitors on your property, or for damages caused by your employees. By having hotel and motel insurance, you can protect yourself and your business from these risks and ensure that you have the right coverage in place when you need it.
Restaurant Insurance
As a restaurant owner, you face a variety of risks that can threaten the survival of your business. Having the right insurance coverage is essential to protect against these risks. Here are some benefits of having restaurant insurance:
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Property damage protection: Restaurant insurance can provide coverage for damage to your building, equipment, and other property caused by events such as fire, storms, vandalism, or theft.
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Liability coverage: If a customer or visitor is injured on your property, restaurant insurance can cover the medical expenses, legal fees, and other costs associated with a liability claim.
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Food contamination coverage: Restaurant insurance can provide coverage for food contamination or foodborne illness caused by your restaurant's food, protecting you from liability claims and the associated costs.
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Business interruption coverage: If your restaurant is forced to close due to a covered event, restaurant insurance can cover lost income and additional expenses associated with the closure.
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Here are some key restaurant insurance products that you can consider:
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Property insurance: This coverage protects your restaurant property, including your building, equipment, and inventory, from damage caused by covered events.
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Liability insurance: This coverage protects you against lawsuits and claims for property damage or bodily injury caused by your restaurant or products.
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Food contamination insurance: This coverage provides protection against claims of foodborne illness caused by your restaurant's food.
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Business interruption insurance: This coverage provides financial protection in case your restaurant is forced to close due to a covered event and you lose income as a result.
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The risks of not having restaurant insurance can be significant. Without proper insurance coverage, you could face financial losses from property damage, liability claims, or lost income due to a forced closure. You could also be liable for injuries suffered by customers or visitors on your property, or for damages caused by your products. By having restaurant insurance, you can protect yourself and your business from these risks and ensure that you have the right coverage in place when you need it.
Flood Insurance
Floods can cause devastating damage to your property, both residential and commercial. A flood insurance policy can provide essential coverage for this type of damage. Here are some benefits of having flood insurance:
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Protection against property damage: Flood insurance can provide coverage for damage to your property caused by flooding, including damage to your building, personal property, and other belongings.
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Financial protection: If your property is damaged by a flood, flood insurance can help cover the costs of repairs and replacement, reducing the financial impact of the disaster.
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Peace of mind: With flood insurance, you can have peace of mind knowing that you have coverage in place to protect your property from flood damage.
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Here are some key flood insurance products that you can consider:
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Standard flood insurance: This coverage is available to homeowners, renters, and business owners in areas that participate in the National Flood Insurance Program (NFIP). It provides coverage for damage to your property caused by a flood.
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Excess flood insurance: If you need more coverage than the NFIP standard policy provides, excess flood insurance can provide additional coverage for your property.
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Private flood insurance: Some private insurers offer flood insurance policies with additional coverage options or more competitive pricing than the NFIP policies.
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The risks of not having flood insurance can be significant. If your property is damaged by a flood and you don't have flood insurance, you may be responsible for paying for repairs and replacement costs out of pocket. This can be financially devastating, particularly if your property is severely damaged. Additionally, if you have a mortgage on your property, your lender may require you to have flood insurance, and failure to obtain coverage could result in a breach of your mortgage agreement. By having flood insurance, you can protect yourself and your property from these risks and ensure that you have the right coverage in place when you need it.
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HOURS & LOCATION
Location
1000 NORTHBROOK DR., suite # 130, TREVOSE , PA - 19053
​
Phone: (215) 501 4159
​
Hours
Monday - Friday
9:00 am to 5:00 pm
​
Saturday
9:00 am to 12:00 pm
Evenings by Appointment