Personal Automobile
Personal Automobile coverage protects you and your family from the financial consequences of automobile accidents whether it be your liability to others or the damages to your own automobile. It can also protect you against non-accident misfortunes: theft of your car, flood and vandalism. It provides protection under four coverage parts. Liability, Medical, Uninsured motorists and Physical damage coverage. Endorsements are available for motorcycles, motor homes, snowmobiles and other recreational type vehicles.

Homeowners
A single policy, at a discount from the cost of separate policies with identical coverage, is available to provide all of the essential property insurance and liability insurance for owners of homes and tenants of residence buildings. Homeowners policies are designed for the owner-occupant of a home to cover the dwelling building, personal possessions (other than automobile and certain specifically excluded items) and personal liability. Homeowners coverage protects you from losses to your home and personal possessions. It provides additional coverage for expenses you may incur if your home is unusable following a loss. It also provides personal liability coverage for you and your family protecting you from the financial consequences of your negligent acts.

GST can offer you a variety of Homeowners products from many excellent insurance companies.

Life Insurance
When a person dies, there are many expenses that will need to be paid. These expenses may include such items as funeral costs, burial expense, current bills, and estate taxes. In addition, there may be financial needs the insured would have met if they had remained alive, including family living expenses, mortgage payments, long-term debt, and college costs for children. A life insurance policy’s primary function is to provide, upon death of the insured, an amount sufficient to pay for any or all of the preceding costs and expenses. Which expenses or costs are to be provided for, and how much money will be needed is entirely up to the insured.
There are three type of life insurance: Term Life, Universal Life and Whole Life. Each has a different function and cost. Term insurance is the least expensive but only covers you for a specified period of time. Universal and Whole Life will cover you for your entire life.
GST will help you select the coverage that is best for your from a selection of top rated insurance companies.

Disability Insurance
Disability insurance replaces your lost income when you are unable to work because of sickness or accident. It can be purchased for various benefit periods: 2 years, 5 years or to your age 65. It can be structured to coordinate with any social security benefits you may receive. You can also choose different waiting periods for benefits to begin so that your policy can integrate with the benefits provided by your employer.

Condo Owners
Condo owners have special insurance exposures. Condo unit owners property interests can vary among condominium associations. Therefore, the insurance needs of the condo owner can differ from association to association. It is important that condominium declarations and by-laws be examined to determine if fixtures and improvements should be covered by the association or the unit-owner. Coverage for loss assessment is of major importance for a unit-owner, applicable to the insured's share of an assessment by the association for uninsured loss involving common property. Usually an option under a unit-owner's policy, it covers the same causes of loss that apply to the insured's own property. The staff at GST has the experience you need to help you choose the correct condo coverage.

Special Articles
A scheduled personal property endorsement or separate personal articles floater policy is frequently needed as additional protection to cover valuable articles on a scheduled "risks of direct physical loss" basis for their full value. Endorsements include special computer coverage endorsement and home day care endorsement. Homeowners, Condo and Renters policies limit coverage for jewelry, furs, watches, art items, guns, coin collections and other special value property. Special article floaters fill this gap in your homeowners policy.

Personal Umbrella
Umbrella coverage provides an extra layer of protection to enhance your homeowners and automobile coverage. The usual maximum limit of liability available in a homeowners or automobile policy is $500,000. An additional $1,000,000 or more of liability protection can be purchased for a small premium. A must in today's litigious world. It may also provide coverage for uninsured exposures, such as "personal injury." Designed for professional people and those with substantial incomes and property, the personal umbrella protection may be arranged to cover professional liability of some types, on an excess basis, whereas insurance for the latter generally excludes business errors and omissions.

Renters Insurance
Renters insurance is a special type of homeowners coverage designed for those that rent their apartment or home. This coverage protects you from losses to your personal possessions and provides additional coverage for expenses you may incur if your apartment or rented home is unusable following a loss. It also provides personal liability coverage for you and your family protecting you from the financial consequences of your negligent acts. Scheduled personal property endorsement or separate personal articles floater policy is frequently needed additional protection to cover valuable articles on a scheduled "risks of direct physical loss" basis for their full value. Endorsements include special computer coverage endorsement and home day care endorsement.

Watercraft
Insures yachts, sailboats and motor boats used solely for private pleasure purposes against loss or damage from named causes of loss or on all risk basis within the navigating limits stated in the policy. The policy covers also the legal liability of the insured to others by reason of collision damage to other vessels. To the basic hull coverage may be added, at the option of the insured, protection and indemnity coverage, longshore act and harbor workers compensation coverage and medical payments coverage.
OCEAN MARINE: Ocean marine insurance is the oldest known type of contractual insurance. It provides coverage for the hull of a vessel but also for the property on the vessel and insured injuries that would occur on the vessel either passenger or crew. Coverage can be modified to meet the individual needs. There are specialized coverages for just yacht and boat owners. Marina operators may find their dock coverage on the ocean policy.