Featured personal and professional coverage
Contractors Insurance
If you are an independent contractor, we can help you find liability insurance and other coverage to match your specific risks.
At Highstreet | OVIA and H.G. Ellis Agency Insurance Agencies, we proudly cover independent contractors working in a wide variety of trades, including:
- Construction
- Plumbers, carpenters, electricians, painters and HVAC
- General contractors
- House and carpet cleaners, janitorial services
- Freelance writers, editors and graphic designers
- Independent hair stylists and salon professionals
- Roofing, framers, masonry services
Protect your contracting business from risks.
Getting the right independent contractor liability insurance in place can protect you from lawsuits, mishaps and third party property damage that can cause big losses to your bottom line.
There are several different categories of coverage for complete liability protection:
- Property Insurance
- Equipment / Inland Marine
- Commercial Auto
- General Liability
- Employee Benefits
- Workers’ Compensation
- And more
Your local Highstreet | OVIA and H.G. Ellis Insurance agent will help you find the right policies to cover your business risks, allowing you to focus on what you do best.
Landlord and Rental Property Insurance
Because each property is unique, as a landlord you will require something more tailored than an off-the-shelf insurance plan. Your location, building specifics and the number of dwelling units all may factor into your insurance policies.
At Highstreet | OVIA and H.G. Ellis Agency Insurance Agencies, we take the time to understand the unique nature of the type of property you are insuring — including student rentals.
Protect your investment and income.
Rental property insurance goes beyond what homeowner’s insurance can cover, which is especially important when renting out your property to others.
A good Landlord and Rental Property Insurance plan can help cover losses from situations such as:
- Long or short-term rentals
- Damage or liability on a vacant property
- Renovations or rebuilds after a fire or other disaster
- Seasonals and rentals on islands/Airbnb/VRBO
- Student Housing and other hard to place rentals
Your local Highstreet | OVIA and H.G. Ellis Insurance agent will help you find the right policies to cover your unique properties and business risks.
Fire Department Insurance
There’s a reason firefighters and emergency servants are considered heroes by our communities. They’ll enter a burning building and other dangerous situations to save lives, despite the risk to themselves.
Fire departments perform a variety of jobs in your communities. With so many different functions, you’ll want insurance to help cover all the unique risks your people face.
At Highstreet | OVIA and H.G. Ellis Agency Insurance Agencies, one of the largest agents in NY that provide insurance services to Fire/Emergency Services, we understand that you need protection not only for your department, but also for your firefighters who keep others safe.
We’ll handle the insurance so you can protect your community.
Your fire department needs specialized insurance to cover all of your people, your station, your vehicles and equipment for health, injury, and liability. Your Fire Department Insurance plan needs to include a range of coverage, including:
- Employee health benefits
- Volunteer firefighters and EMS
- Environmental impairment
- Cyber liability
- Commercial property insurance
- Portable equipment, vehicles and fire boats
- Accident & Sickness Coverage
- Cancer Coverage
- Group Life and LOSAP products
Your local Highstreet | OVIA and H.G. Ellis Insurance agent will help you find the right insurance plan to protect first responders in your community — because it’s our community, too.
Personal Medicare Insurance
Let us help you plan for a healthy, happy, retirement with a personal Medicare insurance policy that can protect you from unexpected health costs beyond basic Medicare.
Basic Medicare includes Medicare Part A (Hospital Insurance) and Medicare Part B (Medical Insurance). There are many services that this basic Medicare does not cover. At Highstreet | OVIA and H.G. Ellis Agency Insurance Agencies, we can help you plan to cover those costs, so you can enjoy a great retirement.
Plan for your health needs in retirement.
There are three types of insurance you can get to supplement your Medicare:
A Medicare Advantage Plan (known as Medicare Part C) is a health plan through a private insurance company that contracts with Medicare to provide you with all of your Part A and Part B benefits.
Medicare Part D is prescription drug coverage offered by private insurance carriers. These insurance carriers are contracted and approved by The Centers for Medicare & Medicaid Services (CMS).
Medicare Supplement Insurance policies can help you save money on your healthcare costs by paying for some, if not all, of the expenses that your original Part A and B do not cover
Your local Highstreet | OVIA and H.G. Ellis Insurance agent will review your health needs as part of retirement planning, so we can help you be insured for a better tomorrow.