The B & G Group can provide an insurance program that will protect you and your family's most valuable possessions and assets. Our professional producers and licensed account executives understand the need to properly protect the security and welfare of our clients.

The time tested and solid relationships we have with our various insurance carriers enables The B&G Group to provide the most comprehensive and competitive insurance programs on behalf of our Personal Insurance clients.

Our claims representatives act as advocates for our clients by processing and resolving their claims promptly and efficiently. We believe that this superior level of responsive service makes a dramatic difference for our clients and promotes their continued use of the services of The B&G Group, Inc. for their Personal Insurance needs.

Some of the Personal Insurance coverage's B&G provides:

• Homeowners
• Condos/Co-ops/HOA's
• Tenants/Renters
• Automobile
• Classic & Collector Automobile
• Valuable Items/Fine Arts
• Antiques/Collectibles
• Personal Umbrella
• Watercraft
• Flood
• Aircraft
• Workers Compensation & Disability

PERSONAL INSURANCE FAQ'S

Do my jewelry and fine arts need a separate limit of insurance for each item or are they already covered under my homeowner's or renter's policy?
The homeowner’s policy usually provides a limited amount of coverage that is subject to a deductible. We advise our clients to schedule each individual valuable item for the full amount to replace it.

If a friend uses my car, are they covered?
Yes, as long as you gave your permission to drive your car. Insurance always follows the vehicle. However, the policy limits protect you, the policy holder, first. Any remaining limit is then available for your friend. That is why we suggest that all drivers obtain their own insurance coverage whether they own a vehicle or not.

How can I reduce my premium?
There are different ways of reducing your premium: For homeowners or tenants, you can increase your deductibles or receive additional credits for various types of protection devices such as burglar and fire alarms. If you are retired, you may be entitled to a mature homeowner’s credit, and some companies offer a non-smoking credit. For auto insurance, you can take a defensive driver course and increase your deductible as well. Make sure you are receiving all of your auto's safety equipment credits.

How do I know if my home is insured with the correct limit?
Some insurance companies provide appraisal services and will guarantee the adequacy of the limit. If you are insured on a policy that does not offer this feature, we recommend that you contact an appraisal service to confirm the coverage limit. We can provide a list of appraisal services for your convenience.