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Commercial and
International Insurance

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In the United States, there are domestic and international insurances that offer coverage for various aspects. Domestic insurance includes health, life, home, automobile and liability insurance, among others. These policies are designed to protect citizens in everyday situations and unforeseen events within the country.

On the other hand, international insurance is intended for those traveling or temporarily residing outside the United States. They can cover medical emergencies, evacuations, lost luggage and trip cancellations. It is essential to understand the differences between the two coverages to ensure adequate protection in any situation.

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1

Business Owners Policy

Combines property and liability insurance in a single policy for business owners. Ideal for small and medium-sized businesses, it covers injury and damage claims.

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2

Commercial Property

Commercial property insurance protects assets such as computers, equipment, vehicles and business property. Similar to homeowner's insurance, but with greater coverage and limits.

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3

Landscaping damage coverage

Landscape insurance protects professionals and clients in case of damage or injury during landscape maintenance and design, providing peace of mind and job security.

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4

Homeowners Coverage

Homeowners insurance protects private homes against risks and damages. Annual premiums vary by value and location, ranging from hundreds to thousands of dollars.

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5

Equipment Coverage

Equipment breakdown insurance protects against internal damage, such as power surges and mechanical failure. It covers computers but not software.

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6

Flood Insurance

The National Flood Insurance Program (NFIP) policy covers direct physical loss to structure and property in the event of flooding.

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7

Liability Coverage

Covers negligent acts that generate legal obligations with third parties. It is commonly part of policies to protect property such as homes, automobiles or boats.

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8

Workers' Compensation

Protects employees, owners and officers against work-related injuries or illnesses, providing financial security in adverse work situations.

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9

International Assistance

Repatriations and travel assistance. They provide peace of mind and protection to those traveling outside their country.

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Car
Insurance

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Auto insurance in the United States is an essential protection for drivers and vehicle owners. Offered by insurance companies, this service provides peace of mind in the event of accidents and liability. Common types of coverage include liability, which covers damage to third parties, and comprehensive and collision coverage, which protects the vehicle itself. The cost of insurance varies depending on factors such as driving history, age and model of the car. The law requires certain levels of coverage, but it is advisable to purchase adequate policies to protect yourself financially in unforeseen situations on the road.

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1

All Risks Insurance

The All Risk Auto Insurance covers the damages that your vehicle may cause, either material damages or injuries to third parties without putting your patrimony at risk.

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2

Basic Insurance

Car insurance is absolutely necessary these days. But it is not always possible to afford more comprehensive coverage. basic car insurance may be the most suitable.

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3

Trucking Insurance

Truck Insurance, better known as "Cargo Insurance" covers losses and damages to the products that the trucker is throwing away while being transported.

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4

Boat Insurance

It protects you in different situations on board a recreational boat for recreational purposes, for non-profit sporting practice and even to enjoy non-professional fishing.

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Complementary
health
insurance

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At any time, accidents can occur, resulting in costly medical and non-medical expenses. The Accident and Sickness Insurance provides cash to help cover these emergencies. If you or a family member is injured, you can use these funds to pay for medical treatment, therapy, medications and other related expenses. In addition, this insurance can also assist in paying for non-medical expenses, such as transportation to medical care, home adaptations for a comfortable recovery and other unforeseen needs. By having this financial protection, you can better meet the challenges that arise after an accident, allowing you to focus on the recovery and well-being of you and your family. It's a way to anticipate the unforeseeable and provide peace of mind during difficult times.

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1

Personal Accident Insurance

Accident and Sickness Insurance provides cash to cover medical and non-medical expenses in case of accidents, providing peace of mind in unforeseen situations.

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2

Cancer Protection Insurance

Furnishes autonomous assistance for covered cancer diagnoses or treatments, providing direct payments for utmost flexibility in meeting your specific needs.

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3

Hospitalization Expenses

What about non-covered costs? For expenses not covered, Combined Insurance provides additional plans for disability, accidents, sickness, and life coverage, ensuring peace of mind and added protection.

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4

Eye exam

La repatriación es el traslado de una persona fallecida a su país de origen. Las funerarias coordinan el proceso con la embajada, las aerolíneas y los funcionarios forenses para ayudar a la familia.

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5

Dental Check-Up

Our member plans include quality dental care. For only $15 extra per month, you get even more savings with our Dental Plus Plan.

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Obamacare

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Obamacare, officially known as the Affordable Care Act (Affordable Care Act en inglés)The Affordable Care Act, colloquially known as Obamacare, was a historic reform implemented in the United States in March 2010 under the administration of Barack Obama. Its main goal was to extend healthcare coverage to millions of Americans who previously lacked access to affordable health insurance. The law introduced several important measures, such as the expansion of Medicaid, the creation of health insurance exchanges, and the prohibition of denying coverage based on pre-existing conditions. Additionally, Obamacare included provisions to reduce prescription drug costs and promote disease prevention. Despite being a subject of political controversy and facing various legal challenges, Obamacare significantly reduced the uninsured rate in the country, thereby allowing greater access to healthcare services for millions of American citizens.

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Obamacare Health Insurance

Enacted in 2010, it expanded affordable healthcare coverage to millions of Americans through Medicaid, insurance, and protection for pre-existing conditions, significantly reducing the uninsured rate.

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Medicare Medical Insurance

Disabled individuals, and patients with End-Stage Renal Disease. Medicare covers 80% of medical expenses; our supplementary plans eliminate the remaining 20%, providing peace of mind and a focus on health.

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Medicaid Health Insurance

A public health insurance program for low-income individuals. It covers children, pregnant women, elderly individuals, and disabled individuals. Requirements and benefits vary by state. Both federal and state governments offer coverage.

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