Insurance Products

Pearland Brokerage, Inc. provides various forms of Insurance but specializes in Taxi and Limousine Insurance for New York City TLC drivers. We represent major insurance companies offering Taxi & Limo insurance.

TLC Insurance

For Hire Vehicle Insurance is our specialty. Pearland was formed in 1968 to help insure NYC Medallion Taxis. We currently represent all major TLC Insurance Carriers.

We offer competitive insurance for the following;

  • App Companies (Via, Uber, Lyft, Juno, Gett, etc)
  • Medallion Taxis
  • Black Cars
  • Car Service
  • Luxury Limousines
  • Stretch Limousines
  • Ambulettes
  • Commuter Vans
  • Church & School Buses

TLC Liability Insurance

We represent following carriers to offer TLC Liability Insurance;

  • Hereford Insurance Company
  • American Transit Insurance Company
  • Lancer Insurance Company
  • Maya Assurance Company

TLC Workers Comp

We offer Workers Compensation Insurance for the TLC Market. We sell coverage for Black Cars, Yellow Cabs, & Car Service operations through a combination of carriers.

Full Coverage

Physical Damage and Full Coverage Policies are offered to our insureds from the following Insurance Carriers;

  • Hereford Insurance Company
  • Kingstone Insurance Company
  • Lancer Insurance Company

Home Insurance

Your home, as one of your most valuable financial assets, needs to be adequately protected. A typical homeowner’s policy protects your building, the personal property you own, an adjoining garage, against fire, vandalism, theft and any other direct physical loss. A homeowner’s policy also protects against lawsuits when you purchase personal liability coverage. The amount of coverage you carry has to correspond closely to the replacement cost value of your home. If you live in flood prone areas, it’s important to remember that a homeowner’s policy does not provide flood coverage. A flood policy has to be purchased separately.

Auto Insurance

Personal auto coverage is mandatory in NYS and the minimum required liability limits you must carry are $25,000/$50,000 for bodily injury and $10,000 for property damage. You can insure a vehicle if you only have a learner’s permit. You can insure a car in NY if you have an out of state license, however you will be required to change your license to NYS within 30 days. You are required to add all licensed operators in your household, including your young kids with permits, to your auto policy. You can purchase a liability only or a full coverage policy. We can advise you of all the options and coverages available, as well as applicable discounts and ways to lower your premiums.

Life Insurance

Life Insurance policies provide additional income to your beneficiaries in the eventuality of your death. While the amount and type of the life insurance policy can vary, most life insurance policies aim to cover any healthcare related, legal or funeral costs as well as help support beneficiaries who may otherwise struggle without your income. There are several different types of life insurance policies available through Pearland Brokerage. Following is a list of some of them;

  • *Term Life Insurance* – Affordable, simplified insurance for a specific time period.
  • *Whole Life Insurance* – Permanent insurance, fixed premiums, guaranteed death benefit, and cash value growth.
  • *Universal Life Insurance* – Permanent insurance, with flexibility to change payments, premiums and death benefit options.
  • *Variable Universal Life Insurance* – Permanent insurance, with flexibility to change payments, premiums and death benefit. This insurance also allows you the option to take investment risks in return for a potentially higher cash value.
  • *Survivorship Life Insurance* – Permanent insurance for two people, which provides a benefit to beneficiaries after the second person passes away.

Please visit our Main Office to consult one of our experienced life insurance specialist to get a basic understanding and to decide as to which policy or coverage best suits your circumstances.