SterlingRisk Insurance - Customized Personal Insurance Solutions

Personal Home & Auto

Protect Your Home & Auto from Liability.

The experienced professionals at SterlingRisk can show you how. One of the nation’s leading privately held brokerages, we help individuals, families and their advisors identify, prepare for and manage risk by creating a tailored insurance program meeting your specific needs.

SterlingRisk understands what makes your home special, whether it’s a condominium or a custom-built house. We know it took care and effort to turn your house into a home. And we want to make sure you always feel at home, even if something happens and you need to repair, replace, or rebuild.

Today’s vehicles’ lightweight construction and specialized technology improve fuel efficiency and protect you and your family, but they also make repairs challenging. With SterlingRisk, your repairs will be made using original equipment manufacturer parts, and with the mechanic of your choice.

SterlingRisk Insurance - Customized Personal Insurance Solutions

Homeowner’s Products

SterlingRisk understands what makes your home special, whether it’s a condominium or a custom-built house. We know it took care and effort to turn your house into a home. And we want to make sure you always feel at home, even if something happens and you need to repair, replace, or rebuild.

Homeowner’s Insurance

Your home is more than bricks and mortar. It’s full of memories and you’re reflected in every detail. So if you experience a claim, you’ll want more than a check from your insurer. You’ll want your life back, and to rebuild without hassles, headaches, or delay.

Condos & Co-ops Insurance

Whether your home is a condo or co-op, it’s where life happens and memories are made. Your home has a value beyond dollars and cents. It’s emotional. You’ll want to repair or replace all the details that made your home special.

Renter’s Insurance

In today’s fast-paced world, we know that your lifestyle can take you to many places – and sometimes, renting just makes more sense. With SterlingRisk, you can still benefit from our comprehensive protection for everything you love about your home.

Appliances & Equipment

A kitchen range enables you to cook the perfect meal. The HVAC system keeps your family cozy on a cold winter night. It’s the appliances and systems in your home that help keep your life running smoothly. They go unnoticed until they stop working.

  • Extended Replacement Cost — With extended replacement cost coverage, after a covered loss SterlingRisk will pay to have your home repaired or rebuilt to its original condition-even if the cost exceeds your policy limit. We will even pay for upgrades made necessary by the loss due to modern building codes.
  • Risk Consulting — Through complimentary home appraisals, SterlingRisk’s highly trained risk consultants will visit your home to carefully note the things that turned your house into your home and make sure you are fully protected. Our risk consultants also assist with security and fire prevention advice.
  • Replacement Cost Coverage — In the event that the things inside your home are damaged, SterlingRisk will replace all the details that turned your house into a home, from upgraded appliances to custom cabinets, flooring or carpentry. Plus, we’ll replace upgraded appliances based on the exact or latest model available. We’ll make sure your belongings are covered for the amount it costs to replace them today, without deduction for depreciation, up to the limit you chose on your policy. And SterlingRisk doesn’t require you to replace them. You may choose a cash settlement instead.
  • Temporary Living Arrangements — If your home cannot be lived in due to a covered loss and you need a temporary residence while your house is rebuilt, SterlingRisk will help you find a place to stay where you’ll be comfortable, whether that’s at a similar home in your school district if available or a suitable hotel.
  • Cash Settlement — In the event of a covered total loss, if you decide not to rebuild or to rebuild at another location, SterlingRisk offers a cash settlement, up to your policy limit. The choice is yours.

  • Additions & Alterations Coverage — If you’ve upgraded the details of your home, like custom cabinets and appliances in your kitchen, or a state-of-the-art entertainment center in your family room, we’ll replace them for their full value up to your policy limit. In certain states, you can opt in for Extended Replacement Cost coverage, which goes beyond your policy limit to rebuild or restore your home.
  • Risk Consulting Specialists — We’ll take the time to understand what makes your home unique by noting the special details – like high-end appliances, or unique moldings. We’ll make sure you have the right replacement cost should the unexpected happen.
  • Loss Assessment Coverage — If something happens to common area property such as the pool, clubhouse or lobby, even if it’s covered by your association insurance, you may still need to kick in for the policy deductible, which could be huge. We include generous coverage up to $50,000 for your share of a loss assessment; and higher amounts may be purchased in certain states. Ordinary condo insurance is limited.
  • Claims Excellence — Because you’re our client, we look for ways to pay your claim. That’s why our adjusters are trained to respond to you within 24 hours, and if approved, to pay your claims with 48. And if you need temporary housing while your condo undergoes repairs, we’ll put you up at a premium hotel or help you find a rental in your neighborhood.

  • Replacement Cost — Coverage for the full cost to replace your belongings in the event of a fire, water leak, or another unexpected event.
  • Rental Car Insurance — Primary car rental coverage anywhere in the world when your liability limit is $1 million or more
  • Claims Excellence — Access to our renowned claims service, where we look for ways to say yes and pay your claim, so you’re made whole quickly

  • Essential Coverage — Essential coverage can be purchased up to a $250,000 limit and covers breakdown of your permanently-installed home equipment, including heating and cooling systems, appliances, water heaters, swimming pool equipment, well pumps, permanently-installed generators and transfer switches, and permanently-installed home automation and security systems.
  • Enhanced Coverage — Enhanced coverage can be purchased up to a $500,000 limit and offers the same protection as Essential coverage, but if you have a Masterpiece® Contents policy, your protection extends to home equipment like personal computers, portable humidifiers, small countertop appliances, and more.

Automotive Products

Auto insurance policies are not created equal. We offer choices and features not typically found in standard policies. When you insure your car with SterlingRisk, we verify that your vehicle is repaired correctly, every time, and that you get some of the best protection on the road.

We make sure your vehicle is repaired correctly, every time, and that you get some of the best protection on the road.

Automotive Insurance

It doesn’t matter whether you drive a Toyota or a Bentley, a sports car or an SUV. Vehicles today are complex machines. We believe in providing high quality repairs that put your safety first.

Classic Car Insurance

Our team at SterlingRisk shares your enthusiasm for classic cars. For almost a century, we’ve insured many of the world’s most unique vehicles, delivering outstanding protection and service.

  • Original Equipment Manufacturer Parts and Procedures — While many insurers won’t pay the cost of original parts, SterlingRisk will. We insist on using original equipment manufacturer (OEM) parts and procedures so your vehicle’s safety systems perform properly in the event of a subsequent accident.
  • Choice of Repair Shop — SterlingRisk provides you with the freedom to choose your mechanic and body shop – and we’ll pay for it too.
  • Rental Car Reimbursement — Need to rent a car because yours is out of service following an accident? SterlingRisk’s Rental Car Reimbursement Coverage enables you to rent a car just like the one you own. We offer the industry’s highest amount of coverage – up to $15,000 – with no per-day limit.
  • Agreed Value Coverage — With SterlingRisk’s optional Agreed Value coverage, you agree to what your car is worth when your policy is written. Then, if your car is stolen or totaled, we’ll simply write you a check for the agreed amount. This could save you tens of thousands of dollars or more at the time of a covered loss.
  • Safety Advocates — Our Auto Technical Specialists are your safety advocates. They oversee all repairs with a focus on safety and quality rather than dollars and cents. So you can be sure your car meets strict manufacturer specifications.
  • Worldwide Rental Car Coverage — SterlingRisk doesn’t limit rental car coverage to the U.S. and Canada – we cover damage to a rental car anywhere in the world. And, when you purchase a liability limit of $1 million or more, you get worldwide auto liability coverage.
  • High Coverage Limits for Liability and Uninsured / Underinsured Motorists (UM / UIM) Coverage — Your auto insurance can be a strong line of defense in the event of an accident or a lawsuit. SterlingRisk offers some of the highest limits in the business – up to $10 million in auto liability and $1 million in UM/UIM protection.

  • You Won’t Hear “Good Enough” — We’ll always cover your choice of repair shop or connect you to our network of top experts – even if that means sending your car out of state or overseas for necessary repairs. And we’ll never ask you to sacrifice on quality. We insist on repairing your car with Original Equipment Manufacturer (OEM) parts, or we’ll pay for fabricated parts if the originals aren’t available.
  • We’ll do What’s Right for YouIf your car has suffered a total loss, you have the option of keeping the damaged vehicle and parts. We’ll pay the Agreed Value less the salvage value of the damaged car.
  • SterlingRisk Understands Your NeedsWe know how important your time on the road is, so we work hard to make it easy for you. We can combine all your SterlingRisk policies onto a single bill, and we’ll automatically cover any new classic vehicle purchases for the first 90 days.
  • You’ll Have the Freedom to DriveWe never put a mileage limit on hobby use, so you can enjoy your classic car without checking the odometer. You also don’t need authorization from us before participating in non-competitive rallies or tours.
  • Getting You Back on the Road is Our PriorityIn 98% of all claims, SterlingRisk Claims Adjusters make contact within 24 hours or less of the initial report. They have the authority to pay claims but can’t deny a claim without a manager’s approval.
  • We’re Here to Get You Home SafelyIf you’re in an accident, we’ll pay to move your car, using the transport of your choice, to any repair shop of your choice. With our optional roadside assistance coverage, if you have a mechanical breakdown, we cover fuel and fluids, battery recharge, flat tire repair, and more. If we can’t get your car back on the road, we’ll pay the cost of towing for up to 200 miles.

Industry Specialist

Gina Murphy

Director of Personal Lines

Gina’s experience in the insurance industry spans over 30 years and she is a true specialist in all aspects of personal lines coverage.   She is a licensed Personal Lines Account Executive since 1985. She helps all clients meet their insurance goals, and she services accounts with the expediency of a well seasoned professional.

P | 516-773-8648

E | GMurphy@sterlingrisk.com

Gina Murphy - Customized Insurance Solutions for Your Lifestyle
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