Explore Our Personal & Business Insurance Services
Clear Coverage Options for Individuals and Businesses
Choosing insurance shouldn’t mean guessing what’s required or spending hours calling different companies. As an independent insurance agency in Monsey, NY, Lichters Insurance Agency helps you compare personal and business coverage options through multiple carriers in one place. We serve families and business owners across Rockland County and nearby New Jersey communities with structured guidance, clear explanations, and practical next steps. Whether you’re protecting a home, a vehicle, rental property, or a growing company, we help you build coverage around real risks and legal requirements.
Protection for What You Own and Drive
Personal Insurance Coverage Designed for Real Life
Homeowners Insurance
Protect your dwelling, belongings, and liability exposure with coverage tailored to Monsey and Rockland County property values. We review replacement cost estimates and exclusions so you understand exactly what your policy includes.
Auto Insurance
Meet New York and New Jersey legal requirements while protecting yourself from costly accidents. We compare liability limits, no-fault coverage, and optional protections so your policy reflects how and where you actually drive.
Flood Insurance
Standard homeowners policies typically exclude flood damage. We help you evaluate whether a separate flood policy is necessary based on lender requirements and local exposure.
Condominium & Renters Insurance
Whether you own a condo or rent an apartment, personal property and liability protection still matter. We structure coverage around association requirements and lease obligations so there are no gaps.
Personal Umbrella Insurance
If your liability limits feel too low, an umbrella policy can extend protection above your home and auto coverage. This added layer helps protect assets after underlying limits are exhausted.
Coverage That Keeps Operations Moving
Business Insurance Solutions
General Liability Insurance
Protect your business from third-party injury and property damage claims. We review contract requirements and operational risks so your limits align with real exposure.
Contractor Liability Insurance
Contractors and trades need coverage that meets job site and certificate requirements. We help structure policies that reflect project scope and subcontractor relationships.
Workers’ Compensation Insurance
If you have employees, workers’ compensation coverage is typically required by law. We guide you through state rules and payroll classifications to help keep your business compliant.
Business Owners Policy (BOP)
A BOP bundles property and liability coverage into one structured policy. We evaluate whether this package approach fits your size, revenue, and operational model.
Commercial Auto & Trucking
From service vehicles to larger trucking operations, commercial auto coverage protects vehicles used for business purposes. We structure policies based on vehicle type, usage, and regulatory requirements in NY and NJ.
Commercial Property & Builders Risk
Protect buildings, equipment, and materials during construction or daily operations. We review property values and project timelines so coverage reflects your investment.
