Andrews & Murray Assoc

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Homeowners Insurance, Auto Insurance, Boat & Marine Insurance

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Map & DirectionsDirections27 Siemon Company Dr Ste 304WWatertown, CT 06795 Write a ReviewWrite Review

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Brands: independent agents
Categories: Homeowners Insurance, Auto Insurance, Boat & Marine Insurance, Business & Commercial Insurance, Flood Insurance, Health Insurance, Insurance, Liability & Malpractice Insurance, Life Insurance, Motorcycle Insurance, Recreational Vehicle Insurance, Renters Insurance, Workers Compensation & Disability Insurance

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Phone: (203) 264-4056

Address: 27 Siemon Company Dr Ste 304W, Watertown, CT 06795

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Andrews & Murray Assoc

Auto Insurance
If you use your vehicle for your business, you will need a commercial auto insurance policy. Coverage types are similar to those of your personal policy. An agent can walk you through recommended limits.
Motorcycle Insurance
If an accident occurred or your bike was damaged or stolen, motorcycle insurance coverage can help protect you. Our agents can also help make sure you receive discounts you may be eligible for with your policy, like those for mature riders or those with their motorcycle license.
Boat Insurance
While you can’t boat year-round, you can still enjoy the water during the warmer months. No matter how you use your boat – to relax, fish, race, etc. – it’s still important to make sure that you, your passengers and your boat are protected while out on the water. Our agents are prepared to work with our carriers to get you a personalized boat insurance policy with the best protection available in New Jersey, Massachusetts, or Connecticut. We understand that sailors, power boaters and commercial fishermen all have unique needs, and we’re prepared to tailor our available policies to fit those needs.
RV Insurance

Renters Insurance
While your landlord will offer some coverage, it isn’t enough. Renters insurance gives you the coverage you need for your belongings and the liability coverage you would need if something were to happen as a renter.
Home Insurance
Whether you’re shopping for a home insurance policy for a new home or just a more competitive rate on your Massachusetts, Connecticut, or New Jersey home insurance, the friendly and knowledgable agents at Encharter Insurance can help. We work with over thirty different carriers to find you the best coverage for your home sweet home. While most states do not require you to carry homeowners insurance, if you have a mortgage, you will likely be required to have homeowners insurance to protect your home.
Condo Insurance
Would your possessions be replaced if something were to happen? What about things that are seemingly part of your condo, such as your appliances? With a comprehensive policy, you will no longer have to worry about it. Condo insurance can give you coverage where your condo association’s coverage will not.

Health and Life

Life Insurance
Life insurance is not required to run a restaurant in general, but it may be may be required by your mortgage lender, to protect their investment if you are no longer around to keep your business going. This type of coverage also protects your family if they are left with bills and a restaurant to manage.
Health Insurance
Disability Insurance

Business Insurance
A comprehensive small business insurance policy can reduce the cost of unexpected losses, such as natural disasters, lawsuits, employee injuries, and more. Agents can discuss state regulations to build an affordable policy.
Commercial Property Insurance
A commercial property insurance policy offers protection for your business’ property inside and out. Coverage includes the building, equipment, lost inventory, etc.
Workers Compensation Insurance
Workers compensation insurance, or workers comp, is required by law and provides important protection to you as a business owner. Of course you want to protect your employees from the hazards of the job, but having a workers comp policy in place doesn't just help your employees - it helps you avoid costly lawsuits should something go wrong. At Encharter, we can help you find a workers comp insurance policy specific to your state and industry and suited to your unique business.
Commercial Liability Insurance
A typical General Business Liability policy includes protection of business property and coverage from claims incurred by... Read More
Professional Liability Insurance
The structure of your business will also determine whether or not you need commercial auto or commercial property insurance. There are certain rules and restrictions for commercial auto insurance that our agents can help explain to you when you’re discussing what kind of coverage is right for you. As for commercial property insurance, you need this type of coverage if you have any commercial property – whether it’s a factory or a store front. We can even get you set up with a flood insurance policy to protect your property and inventory from loss. As a business owner it’s important you know the ins and outs of these policies, as well as unemployment, disability, and professional liability insurance.

Liability Insurance
As a general contractor or owner of a construction business, contractor insurance can cover you if a lawsuit is brought against your business due to injury or damage that is caused either by your business’s operations or one of your employees. General liability insurance for contractors also covers any legal fees or settlement costs, even if you’re not found liable for damages. Furthermore, providing proof of general contractor insurance is often required for many projects, especially those contracted under state or local mandates.

Natural Disaster

Flood Insurance
If you have questions about flood insurance our agents are here to help. They are equipped with flood expertise that can help make the process of getting flood insurance that much easier. Below you will find some helpful links from the other top experts, such as FEMA, that have great advice for everything from finding your zone to disaster relief.

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