About Charles B Clarke Inc.
Our Insurance Products
Many terms associated with auto insurance can be confusing. For example, what does "comprehensive car insurance" mean? You will get answers to questions and much more when talking about your insurance needs with Charles B Clarke Inc.. We work with Nationwide to bring you excellent service and coverage in Schenectady.
Most states require the purchase of liability coverage. This coverage protects you when you become legally liable for damage to another auto or someone else's injuries from a car accident. Comprehensive coverage provides additional protection for your vehicle from loss due to theft, fire, hail, and other factors. Other offerings include Medical Payments or Personal Injury Protection coverage, and features such as Roadside Assistance.
Give Charles B Clarke Inc. or another experienced agent a call today at (518) 356-1400. Drivers can discuss options over the phone or in person at 1660 Tower St.
Charles B Clarke Inc. can help you shop for one of the most important products you'll ever buy - the home insurance policy that will protect your home assets. Learn from our Schenectady agents what types of damages to include in your coverage and what claim amounts make sense for your property. For as tightly knit as Schenectady neighborhoods are, no two households are exactly the same, even within 12303.
For this reason, Nationwide offers a number of different home insurance products for more personalized coverage. Dwelling coverage, for example, offers financial protection for floor coverings and built-in appliances. Contents coverage includes assets like furniture, clothing, and a few other essential belongings. Valuables Plus® covers specific types of high-value items that you may keep in your Schenectady home. Or you can even take advantage of Nationwide's exclusive Brand New Belongings® program.
Best of all, there's no reason to feel overwhelmed by any of these decisions. Let Charles B Clarke Inc. walk you through the options and clearly explain your policy choices. Simply give us a call at (518) 356-1400. Or, if you're in the 12303 area during office hours, swing by our Schenectady location at 1660 Tower St, and we can discuss your home insurance options in person.
Bringing home a new baby, like many of life’s happy events, also brings on new responsibilities. New obligations can be more easily shouldered if you take steps now to plan ahead. In order to provide long-term financial security for your family, you need a Schenectady life insurance agent who can help you understand the types of life insurance that best suit your family’s needs.
The agents at Charles B Clarke Inc. will help you safeguard your family’s future by helping you select the right life insurance. We will explain term versus permanent insurance and answer all your questions. We are here to help you assess your needs and will explain the difference between whole life insurance and universal life insurance.
Our agency will help you determine the appropriate level of coverage for you and your family. There are several considerations when deciding the amount of coverage you need. Besides funeral and burial costs, you should consider current debts such as your mortgage, car loans and credit card debt.
You may also want to include child care and long-term educational expenses when figuring coverage amount. Whether your family has one or two sources of income, you should think about covering lost income for a specified number of years. We will also help you determine the number of years for which you need coverage.
Whether you have a new baby on the way, or you brought your baby home several months ago, now is the time to plan for life’s eventualities. Call Charles B Clarke Inc. at (518) 356-1400 or visit us at 1660 Tower St. We will be happy to work with you to make sure your family’s financial security is always protected.
The business insurance agents at Charles B Clarke Inc. can help you understand how to manage your company's risk and identify possible gaps in your coverage. Along with liability and asset protection, for example, you can get coverage for losses in the case of a temporary shutdown of your business. Our agents have expertise in finding insurance solutions for businesses in virtually every industry of the Schenectady economy.
There are also important decisions to discuss that go beyond NY business requirements and your company's individual risk profile. As the owner, you'll want to make sure, for example, that your policy structure meets your month-to-month budget crunch and end-of-year fiscal goals. To this point, Nationwide offers flexible billing options that can be matched with different revenue and expenditure schedules. And if the day ever comes when the life and health of your business depends on making a claim, you'll be dealing with Nationwide's On Your Side® Claims Service.
The experts at Charles B Clarke Inc. offer local knowledge, risk management expertise, and good old-fashioned customer service. We can talk about your coverage in person at our office, located at 1660 Tower St. You can also call us at (518) 356-1400 to get protection for the business you've worked so hard to build.
Nationwide offers small business resources to help you strengthen your business, such as financial calculators and information and articles on marketing and cash flow management. Learn more at the Business Solutions Center.
The Charles B Clarke Inc. also offers products in AZ, CA, CO, CT, DE, DC, FL, GA, IL, IN, ME, MD, MA, MI, NH, NM, NY, NC, OH, OR, PA, RI, SC, TN, TX, VT, VA, WA, WV, KY, NJ. Please call for information on products in those states.
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