Personal Insurance

Insurance is NOT a commodity. There are variations in coverage forms that can be significant. Cost is an important factor but should not be the deciding factor. If a premium savings of $500 is realized but then a claim is not covered which costs thousands or hundreds of thousands of dollars that is not a favorable trade off. We assist our clients with a coverage and risk analysis, discuss items that possibly could be self-insured and ways to reduce exposure to loss.


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Our office provides protection for Homes, Condos, Co-ops (with a concentration in High Value residences), Auto, Umbrella Liability, Valuable Articles such as Jewelry, Watches, Furs, Fine Arts, Wine and other Collections, Flood, Earthquake, Yachts and Boats, Workers Compensation and other coverage for domestic employees et al.

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Our approach is to purchase broader protection whenever possible and offset the additional cost for the better coverage thru higher deductibles and other means. If you own a $4,000,000 home most likely can afford to repair damage that costs $4500, what you want to make sure is if it's a much larger claim that you are protected by a favorable policy written with a top insurance company.

We at CLC Transportation Inc. have been very impressed by the individual attention and focus on detail which Ron Altman of A. Zeeman Company, has brought to our account over the years. Even though we are a small client, he has been readily available to us when issues have arisen regarding our corporate health insurance and Workers Compensation policies. He has worked diligently to resolve these challenges in a cost-effective way. We rely on him to guide us through the constantly changing environment in which we operate. We highly recommend the services which he and his staff provide. — Jeffrey Biever, President, CLC Transportation Inc.