Dean & Associates Professional Insurance Agents & Brokers, 84 Mt, Royal Ave

26/04/2022

When last did you update the insurance on your house or business? Do you know that underinsurance can negatively affect the settlement of your claim? Call Dean and Associates Insurance today to discuss this and any other insurance needs.

19/04/2022

Do you know that your landlord's insurance policy does not cover your contents.? Protect your personal property by purchasing content insurance. Contact Dean and Associates Professional Insurance Agents for more information.

Monday : 8:30am–4:30pmTuesday : 8:30am–4:30pmWednesday : 8:30am–4:30pmThursday : 8:30am–4:30pmFriday : 8:30am–4:30pm

06/03/2022

Professional Indemnity Insurance. This is a type of policy designed to protect business owners and professional firms, in the event of errors or omissions which may occur in their business activities. Professional Indemnity Insurance covers all legal costs and expenses incurred, as well as damages or costs that may be rewarded if it is proven that inadequate advice or services that may cost your client to lose money. Without Professional Indemnity Insurance business owners and professionals are exposed to many risks that may not be covered otherwise.

03/01/2022

Comprehensive Motor Insurance:

It is an extensive motor insurance plan that covers the insured against third party damages as well as 'Own Damaged'. The policy protects the insured against financial loses that might arise from collision. A comprehensive policy also covers, incident such as, accidents, fire, theft or other natural disasters, such as hurricane or flood.

Benefits of Comprehensive Insurance:

1. Comprehensive motor insurance is the highest level of protection for your motor vehicle.
2. Provides peace of mind and financial protection.
3. Repairs or replaces the vehicle in the event of a major collision
4. Please read your policy carefully to get to know the specifics of the policy.

23/11/2021

Motor Insurance

When purchasing Motor Insurance, list all named drivers to the policy, or add open driving, if all drivers are 25 years or older. In the event of a claim involving any driver, other than the insured , the claim will be honored.

04/08/2021

We are in the hurricane season, now is the time to make the necessary repairs to your home. Once completed have the building appraised to determine the replacement value. Lastly, ensure that your property is insured for the correct value. Under insurance will determine whether condition of average will apply if you have a claim.

26/07/2021

Contractors All Risk insurance is recommended for building contractors. The insurance covers physical loss and/or damage of permanent and
temporary works, including all material to be incorporated, the contractor's temporary professional fees and debris removal, catastrophe coverage are not included.
Building materials must be kept off-site and/or secured in a lock fast container/building while in use. Theft must involve forcible or violent entry or exit.

14/07/2021

Professional Indemnity Insurance, indemnifies the insured, up to, but not exceeding the aggregate limit, the sum insured according to the policy schedule. Professional Indemnity Insurance covers all legal costs and expenses, relating to the insured’s business for reasons of any negligent act, error or omission committed in the course of their activities, during the period of insurance as specified in the policy schedule. Professional Indemnity Insurance coverage is usually obtain by medical doctors, lawyers, architects etc. Please contact us at [email protected] or call at 356-0986.

04/06/2021

Your Home Policy is subject to Condition of Average. This means that if the sum insured is less than the replacement value of your home you will not receive reimbursement for the full amount of any loss to which the policy responds. In the event your policy is under insured, the Condition of Average will operate to reduce the net amount you will receive from a valid claim in direct proportion to the amount of under insurance. Fir example, if you have a sum insured that is 50% of the total replacement value of your home, you will only receive 50% of any valid claim. If your home is under insured and you have a total loss, the policy will pay the amount of the sum insured, which will not reimburse you for the total amount of the loss you may have.

20/05/2021

What is Term Insurance?

There are two major forms of life insurance: term life insurance and whole/universal life insurance. Term policies are issued for a given period of time, such as 10, 20 or 30 years. If you die during the term, your designated beneficiaries will receive the death benefit. If you don’t die during the term, the policy will expire when the term ends and no benefits will be paid.

One of the biggest benefits of term life insurance is that premiums remain the same throughout the term of the policy, which provides cost certainty. Also, term insurance is usually less expensive than whole/universal life — often much less expensive. The biggest drawback is that if you don’t die during the term of the policy, neither you nor your beneficiaries will receive any benefit.

What Is Whole Life Insurance?

Whole and universal life insurance differ from term insurance in that they last for your whole life. With this extended period, premiums are considerably more expensive. The other major benefit whole/universal life insurance offers is that the premiums have the capability of growing as cash value over the life of the policy. If you are interested in securing life insurance please call Frances Dean at 356-0986

12/05/2021

The 2021 Hurricane Season is expected to be very active. June 1st is the beginning of the Hurricane season. As the season approaches, check your Home Insurance Policy, make sure you have adequate coverage in the event of a disaster. Having your home insured, provides peace of mind for the homeowner. Just having insurance is not nearly enough. You want to ensure you have the right coverage at the right cost. Let our qualified staff guide you in closing the right plan for you.