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Duffy Insurance Portfolio
Meet John M Duffy, Esq. John Duffy is a veteran insurance broker with several years of experience in the insurance business. We perform rate review free of charge. We are here to service the following insurance needs:
  • Licensed Insured Broker
  • Representing Many Companies
  • Practicing Licensed Attorney
  • CHFC - Chartered Financial Planner
  • Registered Tax Preparer
  • Licensed Real Estate Broker
Auto Insurance

If you own your own car, you probably already know a little about car insurance. You may have heard the words deductible or premium. But, do you truly understand the different parts of an auto insurance policy and do you know how to choose the best coverage? Forty-seven states require that you have at least some kind of car insurance, so it's a good idea to know what the law requires you to have and what additional or optional coverage will help to protect you in the event of an accident. Before purchasing auto insurance, you must consider a variety of factors including what kind of car you have, your driving record and the amount of money you are willing to pay. Understanding the simple basics of auto insurance will make you confident that the car insurance policy you choose will take care of your needs in the event of an accident. Here are different types of coverage:

  • Liability - This coverage pays for accidental bodily injury and property damages to others. Injury damages include medical expenses, pain and suffering and lost wages. Property damage includes damaged property and automobiles. This coverage also pays defense and court costs. State laws determine how much liability coverage you must purchase, but you can always get more coverage than your state requires.
  • Collision - This coverage pays for damages to your vehicle caused by collision with another vehicle or object.
  • Comprehensive - This coverage pays for loss or damage to the insured vehicle that doesn't occur in an auto accident. The types of damages comprehensive insurance covers include loss caused by fire, wind, hail, flood, vandalism or theft.
  • Medical Coverage - Pays medical expenses regardless of fault when the expenses are caused by an auto accident.
  • PIP - Personal Injury Protection (PIP) is required in some states. This coverage pays medical expenses for the insured driver, regardless of fault, for treatment due to an auto accident.
  • Uninsured Motorist - Pays your car's damages when an auto accident is caused by a driver who doesn't have liability insurance.
  • Underinsured Motorist - Pays your car's damages when an auto accident is caused by someone who has insufficient liability insurance.
  • Rental Reimbursement - This type of coverage will pay for a rental car if your car is damaged due to an auto accident. Often this coverage has a daily allowance for a rental car.

Homeowners Insurance

Homeowners insurance provides financial protection in the event that your home or its contents are damaged. It also provides protection if you or a family member are held legally responsible (liable) for the injuries to others or damage to their property. It's also required by most mortgage lenders. There are different types of insurance policies that cover your home. They range from a basic policy, to those that will provide a much broader range of protection. Most homeowners insurance policies will cover damage caused by such perils as fire, windstorms, hail, lightning, theft or vandalism. There are other homeowners policies that cover additional perils as well. Typically, floods and earthquakes are excluded. It's important to talk to your agent or Travelers representative to learn what your policy may and may not cover. And for those perils that are not covered, there may be supplemental insurance you can purchase.

What most standard homeowners policies provide

  • Dwelling coverage. Pays to repair or rebuild your home - including electrical wiring, plumbing, and heating and air conditioning - if damaged by a covered cause of loss. It's important to buy enough dwelling coverage to cover the cost to rebuild.
  • Other structures coverage. Pays for damages to detached structures like garages, sheds, fences and cottages on your property.
  • Personal property coverage. Reimburses you for the personal items in your home that may be damaged or destroyed by a covered cause of loss, which could include your furniture, clothes, sporting goods and electronics.
  • Loss of use coverage. Pays your additional housing and living expenses if you must move out of your home temporarily while it's being restored
  • Liability insurance. Helps protect your assets and cover your defense costs in the event of a lawsuit because you or your family members are responsible for causing injuries or damage to other people or their property
  • Additional home coverages. There are a number of additional coverages you can add on to your homeowners policy to help you meet your insurance needs.

Business Insurance
Business insurance is necessary for your business. But, purchasing insurance, finding an agent or broker, and understanding insurance policy language can be overwhelming for the business owner. That’s why John M Duffy is here to assist you. Business insurance can be purchased to cover nearly every risk encountered by your business. There are categories of business insurance that cover specific risks. Here you can learn about the different categories of business insurance.

Liability: No one is perfect, your business may make a mistake and, especially if your business is open to the public, there is always the chance your business will be held liable for an injury or error. Liability policies protect against being held liable for an error or injury.

People: At the heart of every business are its people. You and your officers, managers and employees are the company's greatest assets and must be protected. People are protected by workers compensation policies, health and life insurance policies.

Income: Without income the business does not survive. In the event of a catastrophe, a business interruption policy can provide income or allow your business to be set up in a temporary location to earn income. Business insurance is a broad description that can be broken down into a list of nine types of insurance policies:

Casualty Insurance
Some insurers will lump property and casualty insurance together and refer to the coverage as property and casualty insurance. In fact, packaged policies of property and casualty are often the best purchase a business owner can make. However, to have an understanding of the difference between the coverage, I will discuss this as a separate type of insurance. Casualty insurance insures against loss or damage to the business.