Our Services

Life is unpredictable, but your insurance shouldn’t be. At Heins & Beswick, we craft personalized coverage plans that safeguard your home, vehicles, valuable possessions, and more. Our goal? To provide you with peace of mind, knowing that you’re protected against life’s uncertainties.

Whether you’re commuting to work or embarking on a road trip, your vehicle deserves top-notch protection. Our auto insurance offerings cover everything from minor fender-benders to major accidents, ensuring you’re back on the road swiftly and safely.

Owning a condo or co-op means shared walls—but not shared responsibilities. Our condo and co-op insurance fills in the coverage gaps left by your building’s master policy, protecting your personal property, interior improvements, and liability. We’ll help you understand what’s yours to cover—and make sure it’s fully protected.

Just because you don’t own the building doesn’t mean you don’t have a lot to protect. Renter’s insurance covers your belongings — from laptops to sofas — against fire, theft, and more. It also includes liability coverage in case someone gets hurt in your space. Affordable, essential, and tailored to your lifestyle.

Sometimes, standard insurance policies aren’t enough. Umbrella insurance offers an additional layer of liability coverage, protecting your assets when unexpected events occur. It’s an affordable way to enhance your financial security and peace of mind.

Floods can happen anywhere, not just in high-risk zones. Our flood insurance policies help you recover from water damage caused by heavy rains, hurricanes, or overflowing rivers. Don’t wait for the waters to rise—be prepared with the right coverage.

Some possessions hold more than monetary value—they carry sentimental significance. Our valuable articles insurance provides specialized coverage for your prized items, such as jewelry, art, and collectibles. Ensure your treasures are protected against loss, theft, or damage.

Construction comes with risk—weather delays, theft, accidents, and more. Builder’s risk insurance protects your project during the course of construction, covering materials, equipment, and the structure itself. Whether it’s a renovation or new build, we’ll help you keep your investment on solid ground.

If you have employees in New York, coverage isn’t optional — it’s the law. Workers’ compensation insurance protects your team in case of job-related injuries or illness, while NY State Disability covers non-work-related medical leave. We’ll help you meet state requirements and safeguard your business and employees alike.

Jet skis, WaveRunners, and other personal watercraft offer big thrills — and big risks. Our coverage protects against damage, theft, liability, and injuries so you can enjoy the ride with fewer worries. Whether you’re cruising the lake or towing a tube, we’ve got you covered on and off the water.

Two wheels, open road, endless possibilities — make sure your ride is protected. Our motorcycle insurance covers more than just accidents; it includes theft, damage, liability, and optional gear and accessory protection. Whether you’re a weekend rider or daily commuter, we’ll help you hit the road with confidence.

Life is full of uncertainties, but securing your family’s future shouldn’t be one of them. Our life insurance options provide financial support to your loved ones, ensuring they’re taken care of no matter what the future holds.

Whether you own or lease your space, property insurance shields your commercial building, equipment, and inventory from risks like fire, theft, or vandalism. Think of it as a safety net for your physical assets — so you can focus on growing your business.

Accidents happen. Casualty insurance covers your business against claims of bodily injury, property damage, or personal injury. It’s your first line of defense if someone sues over an incident on your premises or due to your operations.

Sometimes, your standard liability policy isn’t enough. An umbrella policy extends your coverage limits, providing additional protection against large claims. It’s like adding a safety buffer to your safety net.

If disaster strikes and forces you to close temporarily, business interruption insurance covers lost income and ongoing expenses. It’s designed to help you recover and reopen without financial strain.

Inland marine insurance covers property in transit or stored away from your premises—like equipment on a job site or goods in a warehouse. It’s essential for businesses that deal with movable or specialized items.

Contractor’s liability insurance is often required by law and municipalities. It protects you against claims of property damage or injury resulting from your work, ensuring you’re covered on and off the job site.

Professional liability insurance protects you from lawsuits alleging negligence or mistakes in your services. It’s crucial for professionals who provide advice or services, helping cover legal costs and potential settlements.

This coverage safeguards your company’s directors and officers from personal losses due to legal actions brought against them for alleged wrongful acts in their capacity as leaders. It ensures your leadership team can make decisions without fear of personal financial risk.

Workers compensation insurance is mandatory in most states. It provides benefits to employees who suffer job-related injuries or illnesses, covering medical expenses and lost wages. It’s essential for maintaining a safe and compliant workplace.

Cyber risk insurance protects your business from data breaches, hacking, and other cyber threats. If you handle sensitive customer information, this coverage helps mitigate the financial impact of a cyber attack.