Untitled Document


Auto Insurance


Choosing the right auto insurance

Personal Insurance News
Turning Risks Into Opportunities at the London Olympics

As Mitt Romney noted on his trip to London, there were “disconcerting” signs that London may not be ready for the Olympic Games.  Problems including security services, immigration, etc. were all facing the games close to the start.  At Trustco … Continue reading

S&P affirms Lloyd’s A+ rating

S&P affirmed Lloyd’s rating of A+, making it one of the few carriers with such a stable and positive rating.  At Trustco we work with Lloyd’s quite extensively both for our hard to place risks and for our specialty Homeowners … Continue reading

US sells $18 billion of AIG

The Treasury Department announced it’s intention to sell off $18 billion worth of AIG shares in a move that will take the US from position of majority holdings (53%) to a minority group (20%).  More importantly for tax payers, the … Continue reading

Whatever you drive, you have a lot riding on those wheels. It's your family and your peace of mind. Choosing the right auto insurance can help protect you from the risks associated with the road. The right auto policy can cover:

  • Bodily injury liability
  • Property damage liability
  • Injuries caused by uninsured/under insured motorists
  • Medical payments
  • Comprehensive damage to your vehicle (fire, theft, etc.)
  • Collisions with other vehicles or objects
You can also add extended transportation expense coverage, repair or replacement collision coverage, towing and labor charges coverage, auto death indemnity, auto loan and lease protection and more.

Savings for safety features and more!

Our dedicated team of Personal Insurance agents make certain you have the most competitive insurance rates. We work hard to insure you get over 15 money-saving discounts and advantages based on factors like your car's safety features, such as air bags, anti-lock brakes and certain anti-theft devices, and even your school report card. Hybrid cars may qualify for further reductions.

You could also save up to 15% on your Auto insurance when you buy other insurance policies, like Homeowners Insurance, Umbrella Insurance and Boat & Yacht Insurance with the same company.

Service

For routine service we don't believe in call-centers. You have a dedicated agent ready to meet you in person, over the phone or via email. However, if it you're stranded at midnight and need help we provide you with access to our fast, efficient claim services are available 24 hours a day, 365 days a year.

Contact us to learn more!

Home Insurance


Protect the value of your home

No place in the world is as precious as your home. Homeowners insurance can help protect its value to you by helping you choose coverage that fits both your budget and your priorities. So you can sleep soundly, knowing your home is protected.

Homeowners Insurance News
Turning Risks Into Opportunities at the London Olympics

As Mitt Romney noted on his trip to London, there were “disconcerting” signs that London may not be ready for the Olympic Games.  Problems including security services, immigration, etc. were all facing the games close to the start.  At Trustco … Continue reading

S&P affirms Lloyd’s A+ rating

S&P affirmed Lloyd’s rating of A+, making it one of the few carriers with such a stable and positive rating.  At Trustco we work with Lloyd’s quite extensively both for our hard to place risks and for our specialty Homeowners … Continue reading

US sells $18 billion of AIG

The Treasury Department announced it’s intention to sell off $18 billion worth of AIG shares in a move that will take the US from position of majority holdings (53%) to a minority group (20%).  More importantly for tax payers, the … Continue reading

A complete homeowners policy can cover:

  • Damages to your home's physical structure
  • Damages to other structures like garages or sheds
  • Your personal belongings, whether they're in your home or elsewhere
  • Temporary living expenses in the case your house becomes uninhabitable due to a covered loss
  • Your personal liability in the event someone is injured or their property is damaged

You can also select policy enhancements and add-ons such as valuable items coverage, replacement cost coverage for your belongings, extra coverage for your belongings for full replacement costs regardless of depreciation, additional home replacement building costs, and rebuilding with green materials with the Green Home Upgrade. 

Savings for home security and more

Our dedicated team of Personal Insurance agents make certain you have the most competitive insurance rates. We work hard to insure you get over 15 money-saving discounts and advantages based on factors like your car's safety features, such as security alarms, fire extinguishers and smoke detectors.

You could also save up to 15% on your Homeowners insurance when you buy other insurance policies, like Auto Insurance, Umbrella Insurance and Boat & Yacht Insurance with the same company.

Service

For routine service we don't believe in call-centers. You have a dedicated agent ready to meet you in person, over the phone or via email. However, if it you're stranded at midnight and need help we provide you with access to our fast, efficient claim services are available 24 hours a day, 365 days a year.

Contact us to learn more!

Life Insurance


What will happen to my family?

Life Insurance News
Turning Risks Into Opportunities at the London Olympics

As Mitt Romney noted on his trip to London, there were “disconcerting” signs that London may not be ready for the Olympic Games.  Problems including security services, immigration, etc. were all facing the games close to the start.  At Trustco … Continue reading

S&P affirms Lloyd’s A+ rating

S&P affirmed Lloyd’s rating of A+, making it one of the few carriers with such a stable and positive rating.  At Trustco we work with Lloyd’s quite extensively both for our hard to place risks and for our specialty Homeowners … Continue reading

US sells $18 billion of AIG

The Treasury Department announced it’s intention to sell off $18 billion worth of AIG shares in a move that will take the US from position of majority holdings (53%) to a minority group (20%).  More importantly for tax payers, the … Continue reading

Trustco's agents can help you determine the right type and amount of insurance for your situation with our unique financial planning process. Below are some of the uses of Life Insurance:
  • Buy/sell agreements - Life insurance can fund an agreement between business partners. For instance if one partner dies, the death benefit goes to purchasing the deceased partner's interest in the business.
  • Credit line coverage - Life insurance can help secure a line of credit. Many banks view this policy as a business asset that can be used as collateral for a loan.
  • Key person coverage - Some of your most valuable employees may be lacking titles but have crucial knowledge of your company & operations. Should a crucial programmer, operator, engineer, or executive perish the company will suffer both immediate financial losses along with ongoing expense to replace that employee. Key person coverage can address that.
  • Employee benefit - Group life insurance is a valuable benefit used to attract quality employees.

Some of the personal uses of life insurance are:

  • Burial expenses - Life insurance will pay for funeral expenses and benefits can be assigned directly to the funeral home.
  • Mortgage and debt protection - Life insurance can pay off a mortgage, credit cards, a student loan and other personal debt.
  • Education - The cash value in a life insurance policy can provide funds for a college education.
  • Charitable giving - Life insurance can fund a donation to, or an annuity for, a charity, church, foundation or non-profit organization.
  • Estate creation - Buying a whole life insurance policy gives the insured an instant estate and augments net worth.
  • Estate taxes - Life insurance can be used to pay estate taxes when taxes are due.
  • Inheritance equalization - If the son inherits the family's $2 million mansion, what does the daughter get of equal value? How about a $2 million death benefit from a life insurance policy? This gives both children an equal inheritance.
  • Survivor income - Life insurance can provide a lifetime income to a widow or widower when the spouse dies. As such, it is instant security.
  • Children's insurance - Life insurance on a child not only guarantees a death benefit; it also ensures that the child will be guaranteed insurable for future life insurance coverage.

In addition to helping to support dependents, individually owned life insurance is income tax free to your beneficiaries.

To see how affordable this extra protection can be contact us to learn more!

 

Health Insurance


Why Choose Trustco?

Trustco's insurance partners provide flexible, affordable health insurance for individuals and families. Self-employed entrepreneurs, students, recent college graduates, and early retirees can get the coverage they need and get negotiated rates with network providers. Plus many of our plans include some features often found only in employer health plans, such as preventive care coverage and wellness programs. All of our plans are backed insurers with regulated and verified financial strength.

Affordability

As the cost of healthcare continues to rise, we recognize the value of finding a reliable health insurance company that offers affordable health insurance for individuals. Trustco can help you find coverage that fits your lifestyle and budget.

Choice & Flexibility

Trustco's health insurance plans allow you to choose from several plan types and deductible levels - and you may be able to add any extras you need at an additional cost. You have flexibility to choose any doctor or hospital you prefer. However, when you choose one an insurer's in-network providers, the insurer will cover a larger percentage of the cost. And most of the plans we offer are portable, so your coverage can continue if you move to another participating state.

Convenience & Service

For routine service we don't believe in call-centers. You have a dedicate agent ready to meet you in person, over the phone or via email. However, if it you're stranded at midnight and need help we provide you with access to our fast, efficient claim services are available 24 hours a day, 365 days a year.

To see how affordable this extra protection can be contact us to learn more!

Personal Liability & Umbrella


An extra layer of liability coverage

Personal Insurance News
Turning Risks Into Opportunities at the London Olympics

As Mitt Romney noted on his trip to London, there were “disconcerting” signs that London may not be ready for the Olympic Games.  Problems including security services, immigration, etc. were all facing the games close to the start.  At Trustco … Continue reading

S&P affirms Lloyd’s A+ rating

S&P affirmed Lloyd’s rating of A+, making it one of the few carriers with such a stable and positive rating.  At Trustco we work with Lloyd’s quite extensively both for our hard to place risks and for our specialty Homeowners … Continue reading

US sells $18 billion of AIG

The Treasury Department announced it’s intention to sell off $18 billion worth of AIG shares in a move that will take the US from position of majority holdings (53%) to a minority group (20%).  More importantly for tax payers, the … Continue reading

Umbrella insurance isn't just for the rich and famous. Whether it's a serious auto accident involving pricey medical bills or an incident on your property, you can quickly find yourself responsible for damages that exceed the limits on your auto, homeowners or boat policies. And an expensive judgment is the last thing you want to worry about.

Umbrella insurance can provide:

  • An extra $1M to $10M of liability coverage which can help protect assets like your home, auto, boat, wages, and investments such as your retirement
  • Coverage for claims like libel, slander, defamation of character and invasion of privacy
  • Helps cover defense costs, attorney fees and other charges associated with lawsuits

And all this coverage can extend to international occurrences too!

An umbrella policy is a valuable addition to any auto, homeowners or other policy for extended personal liability protection. 

Huge coverage, small price

Umbrella insurance is much more affordable than you may think. In today's world, anyone can get hit with a lawsuit. That's why it's more important than ever to consider an added layer of protection for your assets-and your peace of mind.

Service

For routine service we don't believe in call-centers. You have a dedicate agent ready to meet you in person, over the phone or via email. However, if it you're stranded at midnight and need help we provide you with access to our fast, efficient claim services are available 24 hours a day, 365 days a year.

To see how affordable this extra protection can be contact us to learn more!

Valuables & Collectibles


Protect your cherished possessions!

Valuables & Collectibles News
Turning Risks Into Opportunities at the London Olympics

As Mitt Romney noted on his trip to London, there were “disconcerting” signs that London may not be ready for the Olympic Games.  Problems including security services, immigration, etc. were all facing the games close to the start.  At Trustco … Continue reading

S&P affirms Lloyd’s A+ rating

S&P affirmed Lloyd’s rating of A+, making it one of the few carriers with such a stable and positive rating.  At Trustco we work with Lloyd’s quite extensively both for our hard to place risks and for our specialty Homeowners … Continue reading

US sells $18 billion of AIG

The Treasury Department announced it’s intention to sell off $18 billion worth of AIG shares in a move that will take the US from position of majority holdings (53%) to a minority group (20%).  More importantly for tax payers, the … Continue reading

From jewelry to collectibles, you probably have more valuables than you realize. Sometimes your homeowners policy may not cover their full value. Your peace of mind is worth it.

Consider Valuable Items Coverage for:

  • Jewelry and engagement rings
  • Silverware, china and crystal
  • Antiques
  • Fine Art
  • Stamp and coin collections
  • Bicycles
  • Trophies
  • Sound equipment (recorders)
  • Sports equipment (archery, camping, fishing, skiing)
  • Wedding gifts
  • Cameras
  • Computers
  • Musical instruments
  • Golf Equipment
  • Furs
  • Guns
  • Pedigreed dogs
  • Garden tractors
  • Political campaign collections

What policies are available?

Personal Articles Floater:

  • Itemized coverage and peace of mind knowing your belongings are appraised and insured to value
  • Separate protection just for valuables
  • Policies can be purchased separately
  • No deductible and insures against many risks
  • Ideal for more expensive articles with values that exceed a homeowners policy

Homeowners Endorsement:

  • Add-on coverage to homeowners insurance for higher limits on valuables and expanded protection
  • Collectively insures the total value of all property
  • No deductible and insures against many risks

Either option is a worthwhile addition to any homeowners, condo or renters policy. Especially when you have something worth protecting. 

A small price to pay for valuables

Protecting your valuables from loss is an affordable option for anyone with treasured belongings. Whether you just need jewelry insurance or want insurance for multiple valuables, Trustco can offer plenty of options. So you can add on and choose the exact coverage you need.

Service

For routine service we don't believe in call-centers. You have a dedicated agent ready to meet you in person, over the phone or via email. However, if it you're stranded at midnight and need help we provide you with access to our fast, efficient claim services are available 24 hours a day, 365 days a year.

To see how affordable this extra protection can be contact us to learn more!

Power Sports & Toys


Whether you're heading out on the open road or taking the boat out as soon as the ice melts, we know the last thing you want to worry about is insurance! Your ATVs, Motorcycles, Boats, RV and Snowmobiles can be used in the most enjoyable ways. Trustco is here to make sure nothing spoils that fun, even an unforeseen accident.

What items can you Cover?

  • Collectors Cars
  • Boats
  • ATVs & UTVs
  • Motorcycles
  • RVs
  • Campers
  • Snowmobiles
  • Racing Vehicles
  • Segways
  • Golf Carts
  • Sandrail

You can also select policy enhancements and add-ons such as personal injury, replacement cost coverage and more!

Available Coverages

  • Physical Damage Coverage:
    • Collision: Coverage for damage caused by colliding with an object (trees, rocks, cars, etc.).
    • Comprehensive: In most circumstances, this covers for damage other than collision.

  • Liability:
    • Bodily Injury: Injury caused to another person.
    • Property Damage: Damage caused to another's property
    • Uninsured/Under insured: Coverage for injuries you sustain from someone else's actions who either doesn't have insurance or doesn't have enough insurance.

Service

For routine service we don't believe in call-centers. You have a dedicated agent ready to meet you in person, over the phone or via email. However, if it you're stranded at midnight and need help we provide you with access to our fast, efficient claim services are available 24 hours a day, 365 days a year.

To see how affordable this extra protection can be contact us to learn more!

Specialty Coverage


Features & Benefits

  • Fast response and tactical guidance
  • World-class consultant specialists located in strategic hubs around the world
  • Pre-incident training to reduce the risks and security advice consultants fees are commensurate to the premium amount 

Covered Events

Kidnap & Ransom News
Turning Risks Into Opportunities at the London Olympics

As Mitt Romney noted on his trip to London, there were “disconcerting” signs that London may not be ready for the Olympic Games.  Problems including security services, immigration, etc. were all facing the games close to the start.  At Trustco … Continue reading

S&P affirms Lloyd’s A+ rating

S&P affirmed Lloyd’s rating of A+, making it one of the few carriers with such a stable and positive rating.  At Trustco we work with Lloyd’s quite extensively both for our hard to place risks and for our specialty Homeowners … Continue reading

US sells $18 billion of AIG

The Treasury Department announced it’s intention to sell off $18 billion worth of AIG shares in a move that will take the US from position of majority holdings (53%) to a minority group (20%).  More importantly for tax payers, the … Continue reading

  • Assault against family or employees resulting in death or serious injury
  • Disappearance of family or employee. Includes campus, school activity, volunteer work, study-abroad, foreign travel, etc.
  • Threats to:
    • Kill or injure insured persons
    • Damage personal/company property
    • Disrupt computer systems
    • Reveal confidential information about insured persons
  • Extortion threats
  • Evacuation due to political instability overseas
  • Hijacking
  • Hostage taking
  • Abduction of a child from school premises

COVERED LOSSES MAY INCLUDE

  • Legal liability
  • Loss of revenue
  • Fees and expenses of professional security consultants deployed within 24-hours worldwide
  • Costs of increased temporary security measures
  • Consultant costs and expenses for investigation into disappearance of an insured person
  • Costs to evacuate insured persons to a place of safety due to political instability overseas
  • Death or dismemberment benefit
  • Ransom/extortion monies
Additional covered expenses include:
  • Psychiatric and medical care
  • Legal advice
  • Reward monies
  • Travel and accommodation
  • Salary of victim's family and replacement staff
  • Personal financial loss of victim or family
  • Rest and rehabilitation
  • All other reasonable and necessary expenses
(Note: Not all covered losses will be applicable to each covered event. Please check your policy form or contact your agent for full representation of coverage provided.)