Dear Valued Insurance Customer, We hope that this message finds you and your family safe and healthy. These are difficult times. The New York Legislature and Department of Financial Services have been implementing emergency measures in an effort to protect insurance policyholders who have been hit with financial hardship because of the COVID-19 pandemic. Regulations […]Read more ❯❯
Is your workforce composed of many young workers? If you own a retail store or a business that sells products that attracts the younger generation, you may be more likely to hire those who understand your customers. However, when having young workers on your team, you should be aware of the risks they face, for they may be different than those of veteran employees.Read more ❯❯
Your employees love the holiday season for many reasons, one in particular being the time off they will receive. Spending time with family should be an important value emphasized in your company, but as a business owner, you should also make sure your employees stay on track.Read more ❯❯
As a business owner on the East Coast, you know that the winter time means slippery conditions. What have you done to make sure your employees are safe? You don’t want to risk someone slipping and falling on your property.Read more ❯❯
For Our Commercial Customers: Why Social Media is Important for Business
In the world of business, social media has become essential in recent years. It is a method of reaching your customers and prospects when, where, and how they like to communicate. Social media is like word of mouth marketing but quicker and easier. It’s more than just a conversation with one friend, it has the potential of reaching thousands or more “friends” who are listening, talking, and sharing information. Let’s look at why Social Media is so important and good for business.Read more ❯❯
The holidays are here, and that means shopping for gifts, putting up decorations, baking cookies, and spending lots of time with family. However, compared to past years, have you noticed the price of your holiday spending has risen quite a bit? If you are concerned about staying on budget this year, you could make alterations to your lifestyle to help out.Read more ❯❯
Why should you choose an Independent Agent over an online insurance service?
It’s too important of a choice to gamble on, only to find out in the event of a loss that you either don’t have the coverage or can’t get the service you need. You might want to consider some of the advantages of having an independent agent versus online insurance services that may or may not have your best interests at hand.Read more ❯❯
Whose homeowners insurance policy takes the hit when a neighbor’s tree falls, damaging your house or property? It’s a common question, particularly after a major windstorm like Sandy.
In most cases, your insurance will have to take care of it. “Most people don’t understand that if your neighbor’s tree falls and damages your house, shed, fence, pool or lawn, it’s most often your problem, not your neighbor’s,” she explains. “You have to file a claim with your homeowner’s insurance company, and the usual deductible applies.”
Of course, the same holds true in the opposite scenario: If one of your trees causes damage to your neighbor’s property, you’re generally off the hook.Read more ❯❯
- An example of when you might need Umbrella Insurance is in the event of an auto accident with you or another member of your family behind the wheel. Icy conditions send you careening into an oncoming car. Passenger(s) in the other car are injured and sue you. In a court of law a judge awards them $1,000,000 in damages. Your auto policy has a limit of $250,000. The balance of the amount awarded by the judge would be paid by your umbrella policy. Without the umbrella policy a judgment could be placed on your home and other assets. Another example would be a visiting child falls on your property and is injured. The parents sue you for $1,000,000. Your Homeowners policy has a liability limit of $300,000. The balance here again would come from your umbrella coverage.
Getting your car ready for winter is extremely important. Making sure you are using the proper mix of antifreeze and water will help keep the car engine from overheating. A car battery can die without any notice. Extreme cold temperatures can reduce the battery’s life by 50 percent. Before the cold weather sets in, have your battery tested by a local mechanic, especially if you have an older car.Read more ❯❯