Home

Information about Thruway Insurance Brokers

Thruway Insurance Brokers

The President and CEO of Thruway Insurance Brokers (Thruway), Elbert Shamsid-Deen, began his business as a captive insurance agent for New York Life Insurance Company in 1979.  As a pioneer in the community, Elbert and his staff built an independent agency that first began operating in Harlem, NY in 2003.

Thruway has built a satisfied residential and commercial customer base servicing clients in New York, New Jersey, Connecticut and South Carolina.  Thruway’s portfolio of residential, commercial and corporate clientele has grown for nearly three decades.

Thruway Insurance Brokers is a full-service, client-centric, independent agency, providing an ever- expanding spectrum of insurance products, services and education in order to meet the full range of needs for their growing customer base.

A Word from the Founder

Thruway Insurance Brokers is staffed with experienced insurance and securities professionals prepared to help you make sound decisions about the very important protection that you need for your business and your family. Elbert has dedicated his life toward empowering individuals and small businesses with knowledge and experience wrapped in personal service.

Our hope is that once you meet with one of our experienced professionals, you will obtain the information you need to make informed decisions that assist you in improving your personal and business objectives.

The professionals at Thruway Insurance Brokers have been servicing the needs of families and small businesses for over 25 years. Thruway maintains a client-centric focus because we want our customers, their family and friends to experience warm customer service.

We also pride ourselves in helping our clients become more informed about the valuable insurance or security products they are purchasing, so that they are warmly inclined to refer us, as we are always grateful for each referral.

We at Thruway we feel that a referral to a family member or friend is the best compliment that we can receive.  So give us the opportunity to show you why Thruway Insurance Brokers should be your Insurance agency of choice – you will very glad you did!

 

Products & Services

General Liability

General liability insurance protects your business from another person or business’s claims of bodily injury, associated medical costs and damage to property.

Workers’ Compensation

Workers’ Compensation Insurance can pay for three things when an employee  is injured at work: medical bills, recovery costs.

Auto Insurance

Auto Insurance coverage has two parts. The first is the liability section of the policy. It covers your financial responsibility.

Home Insurance

If you have tangible assets, you need the protection of a Homeowner’s Insurance policy.

Life Insurance

Finding the right Life or Health Insurance products can be challenging in today’s insurance environment.

Who We Are

Thruway Insurance Brokers has experienced, licensed professionals prepared to offer the coverage you need, from the general contractors liability and workers compensation coverage to the single family home and auto insurance policy. We insure the difficult to insure; let us help you.

Business

    Business Insurance
    Action Over Coverage
    Errors and Omissions
    Workers’ Compensation
    Commercial Auto and Transportation Coverage
    Special Event Coverage

Personal

    Auto Insurance
    Homeowners Insurance
    Renters Insurance
    Life Insurance
    College Savings
    Retirement Planning

Who We Serve

Insurance Carriers

Testimonials

Contact Us


Minimum characters: 50


Personal Line Quote

X

AutoHomeRentalsLifeDisability

Business Quote

X

G/LAutoE&OW/CProf. Lia

X

General Liability

Why do I need General Liability Insurance (G/L)?

We understand the risks your company faces and the importance of knowing your business is properly protected. Having general liability insurance coverage protects your business against third-party claims of bodily injury or damage to someone else’s private property. However, it does not protect your own personal property. This section explains what our business general liability insurance offers. You should consider general liability insurance coverage, also called commercial general liability insurance, if you or your employees:

  • Interact with clients face to face – If you visit a client’s place of work, or clients visit yours
  • Have access to a client’s equipment – For example, IT professionals should be covered against potential claims with IT business liability insurance
  • Represent your client’s business
  • Use third-party locations for any business related activities – For example, architects, general contractors, plumbers, electricians, security firms should make sure that they’re covered with their industry specific business liability insurance
  •  Are required to have general liability insurance before entering into a contract

Thruway Insurance Brokers offers free comparative quotes on business owners package insurance from multiple insurance carriers so you can get the best possible rate.

Want to see how much we can save you? Just request a quote to find out.

X

Workers’ Compensation Insurance

Workers’ Compensation Insurance can pay for three things when an employee is injured at work: medical bills, recovery costs, and partial missed wages. If an employee dies, Workers’ Compensation can cover funeral costs and benefits to the worker’s family. Depending on state laws and contract requirements, you may need this policy to cover employees, contractors, freelancers, or even yourself.

Workers’ Compensation (formerly “workmans’ comp”) emerged from a “grand bargain” between business owners and workers. Business owners were tired of being sued by injured workers. Workers were tired of being injured.

So Workers’ Compensation Insurance was designed to help pay for work injuries and illnesses without the rigmarole of a lawsuit. This liability insurance policy can help your business do three things:

  1. Pay for medical expenses and replacement wages when employees are injured at work.
  2. Comply with state Workers’ Compensation laws.
  3. Pay for legal expenses if an employee sues over a work injury the policy doesn’t cover.

Most states require employers to buy Workers’ Compensation Insurance as soon as they hire their first employee. Even when that’s not the case, it’s smart to have this policy, because the cost of workplace injuries is substantial:

Thruway Insurance Brokers offers free comparative quotes on Workers’ Compensation Insurance from multiple insurance carriers so you can get the best possible rate.

Want to see how much we can save you? Just request a quote to find out.

X

Auto Insurance

Auto Insurance coverage has two parts. The first is the liability section of the policy. It covers your financial responsibility for injuring others. Some liability coverage is required by most states.

The second part of auto insurance covers the car itself: comprehensive coverage reimburses losses from fire, theft or other perils; collision coverage pays to repair losses caused by an accident. Often this coverage is mandated by leasing companies or banks. There are also ancillary medical, car rental and other coverages which vary by state.

Utilizing high deductibles on the physical damage coverages can help reduce premiums. If you carry umbrella insurance, you must be sure that you carry the required amount of basic liability insurance to avoid a gap in coverage for a serious accident.

Thruway Insurance Brokers offers free comparative quotes on auto insurance from multiple insurance carriers so you can get the best possible rate.

Want to see how much we can save you? Just request a quote to find out.

X

Homeowners Insurance

If you have tangible assets, you need the protection of a homeowners insurance policy.this type of coverage is available to someone who owns a house, townhouse or condo. Renters insurance is available to someone who is a renter of a house, townhouse or condo. A well-written homeowners policy will pay to replace any of your personal property that is destroyed in a fire or other disaster. The policy will also be your first line of defense against a lawsuit from someone injured at your home.

The cost of this coverage is determined by many rating factors. The quality of the coverage, however, is determined by the quality of the insurer and whether the policy is written on a named perils or all-risk basis. A named-perils policy covers only those losses specifically cited in the contract. The all-risk policy works the opposite way — unless a peril is specifically excluded, coverage is provided. The all-risk policy is broader and the burden of proof is on the carrier, not you, in the event of a loss.

Thruway Insurance Brokers offers free comparative quotes on auto insurance from multiple insurance carriers so you can get the best possible rate.

Want to see how much we can save you? Just request a quote to find out

X

Life Insurance

Finding the right Life or Health Insurance products can be challenging in today’s insurance environment. Thruway Insurance Brokers offers a complete line of individual health insurance products that are crafted to meet you and your family’s specific needs. We work with several different top-rated insurance companies, and will place your account with the company that will provide you with the coverage and benefits you want.

Thruway Insurance Brokers can help you make sound, informed decisions about issues affecting your health insurance needs. Our philosophy is to fully understand your objectives and then translate them into solutions that provide assurance and peace-of- mind.

For more Information feel free to contact one of our licensed specialist today.