Insurance Coverage Options

CDL Associates Insurance Agency, located in Northville, NY wants to be your one-stop shop for all your insurance needs. We offer a variety of coverage options from personal & commercial lines, to our speciality in transportation insurance. We look forward to helping each and every client receive the best coverage for their needs and goals, while also saving them money. Along with regular business hours, our staff will be happy to schedule night and weekend appointments at your home or office to discuss your specific needs!

Alabama • Arizona • Arkansas • California • Colorado • Connecticut • Delaware • Florida • Georgia • Illinois • Indiana • Iowa • Kansas • Kentucky • Louisiana • Maryland • Michigan • Minnesota • Mississippi • Missouri • Nevada • New Hampshire • New Jersey • New York • North Carolina • North Dakota • Ohio • Oklahoma • Oregon • Pennsylvania • South Carolina • South Dakota • Tennessee • Texas • Vermont • Virginia • Washington • West Virginia • Wisconsin • Wyoming

Transportation Insurance

Whether you are a manufacturer or a distributor delivering your products using your own fleet, or an owner-operator hauling for other companies, it’s important to protect you, your employees, and your goods. CDL Associates Insurance Agency LLC offers a wide range of commercial transportation insurance options to meet your specific needs.

Commercial Automobile


A policy designed to insure vehicles used in business or commercial operations. This usually includes Automobile Liability, Uninsured/Underinsured Motorist Coverage, Personal Injury Protection, Medical Expense, and Physical Damage coverage.

Other Commercial Automobile Coverages Hired Auto Liability

Covers liability for the use of hired automobiles in your business. Non-Owned Auto Liability-covers liability for the use of non-owned automobiles in your business. An example would be an employee using his/her own car on an errand for you.

Cargo Insurance

Cargo, or freight, insurance provides protection against risks of physical loss or damage to cargo during shipping regardless of land, air, or sea transportation.

Non-Trucking Liability

If you are operating your truck while not under dispatch or not being compensated, non-trucking liability insurance provides coverage for property damage or bodily injury.

Physical Damage

Coverage to pay for damage to or loss of an insured automobile resulting from collision, fire, theft, or other perils.

Life and Health Insurance / Employee Benefits

Group, Individual and Medicare

Here at CDL Associates we offer Life and Health Insurance coverage to Individuals, Small and Large Group Employers and Medicare solutions to those 65 and older. In today’s turbulent economy, the question is not whether to review your benefit programs, but rather how to ensure that you have explored all opportunities for efficiencies and cost control.

CDL Associate advisors will help you overcome these challenges in realizing your benefits goals. Contact us today for a free consultation and quote. Here at CDL Associates…We Never Set It and Forget It!

Commercial Insurance (Property & Liability)

Insurance for businesses, organizations, and other commercial establishments.

Commercial Lines Insurance

Insurance for businesses, organizations, institutions, governmental agencies, and other commercial establishments.

Commercial Package Policy (CPP)

A commercial Policy that can be designed to meet the specific insurance needs of business firms. Property & Liability coverage forms are combined to form a single policy.

Commercial Property Insurance

Insurance providing financial protection against the loss of, or damage to, commercial property caused by such perils as fire, theft, windstorm, hail, explosion, riot, aircraft, motor vehicles, vandalism, malicious mischief, riot and civil commotion, and smoke.

Inland Marine Insurance

Inland Marine insurance provides protection for a business’ property that is mobile in nature or requires unique valuation. Coverage extends to property that is owned or in a business’ care related to construction, transportation, fine art and renewable energy.

Commercial General Liability Policy (CGL)

Coverage designed to provide protection for:

Premises Operations

This portion of the policy provides for payment on behalf of all sums he or she becomes liable to pay, resulting from bodily injury and/or property damage caused by an insured peril and rising out of the ownership, maintenance, or use of premises and operations in progress. The operations portion covers operations in progress and is intended for situations where your principal business operations are performed away from your premises.

Completed Operations

This portion of liability insurance provides for possible liability for bodily injury and/or property damage after work is complete and the insured has left the job site.

Liquor Liability Insurance

Coverage designed to protect an individual or entity for bodily injury or property damage to another for which an Insured may be held liable by reason of causing or contributing to the intoxication of any person; furnishing alcoholic beverages to a person under the legal drinking age or under the influence of alcohol; or violating any statute, ordinance, or regulation relating to the sale, gift, distribution, or use of alcoholic beverages.

Directors & Officers Liability

The exposure of corporate managers to claims from shareholders, government agencies, and employees, and others alleging mismanagement.

Workers Compensation/Disability Insurance

Workers’ Compensation

Liability insurance requiring certain employers to pay benefits and furnish medical care to employees for on-the-job injuries, and to pay benefits to dependents of employees killed by occupational accidents. (Job Connected Disabilities).

Disability Insurance Policy

Provides payment of cash benefits to employees who become disabled because of injuries or illnesses which have no connection with their employment. (Off the job injury, sickness and for disabilities arising from pregnancy).

Personal Insurance

Protecting your personal assets is always a sound investment. We work with many reputable insurance carriers to give you the coverage options you want at affordable prices.

Property Coverage

Homeowners Insurance

Coverage for your place of residence and its associated financial risks. Insurance to pay for losses of personal or real property and for losses resulting from perils specified in the insurance contract.

Personal Articles Floater

A form of coverage designed to meet the needs for insurance on moveable property. The coverage usually protects against all physical loss, subject to specific exclusions and conditions. Examples of property that can be covered include jewelry, furs, silverware, and fine arts.

Fire Insurance

Coverage designed to protect against losses caused by fire and lightning, plus resultant damage caused by smoke and water.

Renters Insurance

A policy that includes coverage similar to a homeowners policy to cover the personal property of a renter or tenant in a building.

Landlord Policy

Coverage for a building owner that rents their building to tenants. This policy insures the building rented to others for the value of the building. It usually includes Owners, Landlord, & Tenant Liability and can include coverage for Loss of Rents due to a loss.

Builders Risk Insurance

Indemnifies for loss of or damage to a building under construction. Insurance is normally written for a specified amount on the building and applies only in the course of construction. Coverage includes fire and extended coverage and vandalism and malicious mischief. May also include coverage for items in transit to the construction site (up to a certain percentage of value) and items stored at the site.


Automobile Liability

Coverage designed to provide protection for the insured against financial loss because of legal liability for auto related injuries to others or damage to their property.

Automobile Physical Damage

Coverage to pay for damage to ro loss of an insured automobile resulting from collision, fire, theft, or other perils.

Uninsured/Underinsured Motorist Coverage

A form of insurance that pays the policyholder and passengers for bodily injury caused by the owner or operator of an uninsured or inadequately insured automobile.

Personal Injury

First-party no-fault coverage in an Automobile Insurance Policy in which an insurer pays, within the specified limits, the wage loss, medical hospital and funeral expenses of the insured.


It provides coverage for emergency road service (at the scene) and towing up to the limits shown on the policy.

Rental Reimbursement

Rental reimbursement coverage is typically part of an auto insurance policy’s comprehensive or collision coverage. This auto insurance add-on can cost a policyholder between $20 and $60 every six months, depending on the level of coverage selected. The level of rental reimbursement coverage is set as a limit per day plus a maximum amount. For example, 30/900 rental reimbursement coverage would provide the policyholder with $30 reimbursement per day, with a maximum of $900 for the total duration of the car repair.


Personal Umbrella

Coverage designed to protect for losses in excess of amounts covered by other Liability Insurance Policies; in some cases, may also protect the Insured not covered by the usual Liability Policies. This type of liability Insurance provides excess liability protection.

Recreational Vehicles/Watercrafts

Boat/Personal Watercraft Policy

A policy for boat owners that combines physical damage insurance, medical expense insurance, and boat liability insurance.

Recreational Vehicle Insurance (ATV’s, Motorcycles, Snowmobiles)

A policy for recreational vehicle owners that combines physical damage insurance to cover your recreational vehicle resulting from collision, fire, theft, or other perils. This policy also includes liability to protect the insured against financial loss because of legal liability for recreational vehicle related injuries to others or damage to their property.

For more information about the insurance coverages we offer or for a free quote, please contact us toll free at 1-888-863-2101.

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