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Herskovits Kallos & Assoc. We provide general insurance, such as home, auto, commercial, industrial, to thousands of satisfied clients. We also provide a complete line of personal insurance products, including life, disability, critical illness, and travel insurance.

Accident without collision or upset warranty for accident without collision or upset covers such damage not projectiles, falling objects or flying, fire, theft, explosions, earthquakes, windstorms, hail, flood, malicious mischief, riot or civil commotion.