Based in Charlestown, Rhode Island, Eckel Insurance offers a variety of insurance policies for your home, business, auto, and more since 1981. Our experienced agents understand the needs of our clients, and we strive to offer great products and personalized service.
Auto Liability Insurance
If you have a license, you are required by state law to have auto insurance. Talk to our agents to determine which of our personal and commercial policies will protect your vehicles the best. If you have children with driver’s licenses, you can add them to your policy as well. To properly protect you from the ever-present danger of large awards for auto liability, it is important that you maintain the proper level of coverage for your particular situation.
Compulsory Auto Policy Coverage
Compulsory Auto Coverage includes Bodily Injury to Others, Personal Injury Protection, Bodily Injury Caused by Uninsured Auto, and Damage to Other Property Owners. Optional coverage includes Bodily Injury to Others, Collision, Comprehensive, Medical Payments, Towing and Labor, Substitute Transportation, and Bodily Injury Caused by and Under-insured Auto.
Boat Insurance
Relax knowing you have coverage for your boat or personal watercraft. Our insurance covers your boat for negligence, collisions, or other kinds of damages. Whether your boat is in the water or dry-docked, make sure it is always protected by one of our policies. Some our carriers do offer bundle discounts as well. Just like auto insurance, we make boat insurance easy.
Boat insurance policies comes with plenty of options for specialized coverage, such as Roadside Assistance, On-Water Towing, Total Loss Replacement, and more. With so many options, we’ll help you find the perfect boat or personal watercraft insurance that is right for you, and often cover jet skiers, fishing boats, sailboats, and many more.
Commercial Property Insurance
Property Insurance covers the risk of property loss in a variety of commercial situations, including commercial buildings, equipment, furniture, fixtures, inventories, business records, supplies and other physical items. We have insurance packages that are designed for different types of businesses, including insurance for your building, business property, equipment, inventory, or company vehicles, and offer products and services that protect your business assets.
Commercial General Liability Insurance
Casualty Insurance consists primarily of liability coverage, which protects an insured party against injury or damage claims made by other parties.
Liability policies provide coverage for things like premises, operations, fire damage, medical payments, and personal and advertising injury.
Commercial Auto Insurance
Business Auto coverage insures vehicles that are owned, leased, hired, or borrowed by businesses. Types of businesses that need auto coverage include associations, corporations, partnerships, and sole proprietorships. Commercial auto coverage can insure private passenger autos, trucks, trailers, semitrailers and commercial vehicles designed for use on public roads. Contact us, and we’ll provide details about the specific coverage and deductibles that are right for you and your business.
Workers’ Compensation
Workers’ Compensation coverage applies to bodily injury and diseases arising out of and in the course of employment. Any bodily injury must be accidental, and the term includes death resulting from the accident. Only occupational diseases, which are unique to the occupation, are covered.
Workers’ Compensation provides for the payment for medical benefits, income benefits, death benefits, and rehabilitation benefits.
Our agents will provide you with complete details on Workers’ Compensation Insurance and recommend cost-effective ways to control expenses through safety engineering and claim services.
Flood Insurance
There’s something you should know: Flood losses aren’t covered by your homeowners insurance policy.
Flood Insurance policies protect your home in the event of a flood, and is required in most coastal regions. As soon as you complete your claim, we’ll file it and send an adjuster to your location to verify the extent of your flood damage. We’ll work hard to get you back to normal fast.
Frequently, buildings, roads, and parking lots are being built where forests and meadows used to be, which in turn, decreases the land’s natural ability to absorb water. Combined with ever-changing weather patterns, this construction has made recent floods more severe and increased everyone’s chance of being flooded. Floodwaters have the power to damage not only your home and sense of security, but also your financial future. How can you protect your most important investment in case of flooding?
Homeowners Insurance
The biggest investment most people will ever make is in their home. That’s why it makes sense to protect the sizable financial investment you’ve made in your own home with a comprehensive homeowners plan. Your home purchase is an investment deserving the protection that only an experienced insurance professional can provide. Choose from a variety of policies to protect your home against loss; often, this insurance can be paid on a monthly or annual basis, and can even be covered in your monthly mortgage payments if you decide to “escrow”.
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