Do You Need Employers Liability Insurance?
How employer’s liability insurance protects your business. Employer’s Liability insurance is one part of a Workers’ Compensation insurance policy. The two work together to provide an umbrella of coverage that protects a business against liabilities arising from injuries or death of an employee. Together, they are critical to a business that could suffer severe financial […]
Read MoreTips on How to Safely Share the Road with Pedestrians
What drivers should do to keep pedestrians safe. As good drivers, we know exactly how to interact with other cars on the road, from stopping at stop signs to politely merging on freeways. What many drivers are far less versed in is safe interaction with pedestrians. Whether or not you like it, all of […]
Read MoreDo You Have Gaps in Your Homeowners Insurance?
Here’s how to know if you have protective homeowners insurance. Despite the fact that a person’s home is likely their most valuable investment, homeowners insurance is highly undervalued. As consumers, we get taken up in nickel and diming our auto insurance policies and paying close attention to what is and what isn’t included. Meanwhile, we […]
Read MoreHow to Maintain Your Water Heater
Draining Your Water Heater You may not realize how often you use your home’s water heater – but that changes the moment it breaks. To help it run worry-free and even extend its life, check out these water heater maintenance tips. Drain Your Water Heater Always read over your owner’s manual before draining your water […]
Read MoreEasy Ways to Prevent Frozen Pipes
Prevent Your Home’s Pipes from Freezing The winter is well and truly here, meaning that temperatures are continuing to drop. As the mercury drops, we need to prepare our homes for the inevitable. Frozen water pipes are a primary fear for homeowners in the winter, and for good reason – it’s estimated that pipes freeze […]
Read MoreTop Reasons to Make a Will
Benefits of Writing a Will Having a will is arguably one of the most important things you can do for yourself and your family. Not only can a will legally protect your spouse, children, and assets, but it can also spell out exactly how you like things handled after you pass on. While it’s a […]
Read MoreWhat Does My Business Owner’s Policy Actually Cover?
Determine what your Business Owner’s Policy (BOP) covers. A Business Owner’s Policy (BOP) is a convenient package that combines General Liability with coverage for your business property, inventory, and your building (if you own it). In addition, it can also cover the property of others that is in your care, custody or control. In essence, […]
Read MoreTop Practices to De-Ice Your Sidewalk
Don’t let winter ice send you slipping and sliding down your sidewalk. The season of ice and snow is upon us, and in New York, sometimes there is no escaping the black ice and slippery snow. These two weather conditions can wreak havoc for any homeowner or business. Whether you’re hosting friends, family, or […]
Read MoreHow to Winterize Your Home While You’re on Vacation
Safeguard your property while you’re out of town. Are you heading to a warmer climate this winter? Whether you’re heading to the beach house for the end of the year or hitting the slopes, there are a few precautions to take to protect your home while you’re away. Clean the fridge. Even if you’re heading […]
Read MorePreparing Your Snowmobile for the Winter Season
Here’s how to get your snowmobile ready for the upcoming season. When the weather outside is frightful, it’s playtime for snowmobile enthusiasts. Before you head out on the fresh, white snow, take the time to ready your vehicle. With a little maintenance and some winter prep, you’ll be blasting trails and cruising tours like no […]
Read MoreIs Your Small Business Prepared for a Winter Storm?
Storm preparedness tips for your small business. As Game of Thrones always reminds us, ‘winter is coming.’ Thursday, December 21st will mark the start of winter, and now is the time to ensure that your business is ready for what is to come. Winter storms can impact any business, large and small, but there […]
Read MoreWhat You Should Know About Employee Fraud
Hoping you hired the right team isn’t enough – tackle employee fraud before it starts. No business owners want to believe that they are ever at risk of employee fraud. Each owner would like to think that they treat their team well and that no member would ever think about committing fraud. Unfortunately, this isn’t […]
Read MoreParticipate in Small Business Saturday!
Shop small this Small Business Saturday. We all know that Black Friday is one of the biggest days of the year for big box stores, and many of us sacrifice our Thanksgiving hours to stand in line for good deals on products. What about the brick and mortar shop down the street, though? While many […]
Read MoreChallenging Skills You Should Teach Your Teen Driver
Help to boost your teen’s confidence on the roads. It’s only natural for parents to be a little anxious when their teen gets behind the wheel. After all, we know the risks and the dangers, but to them, it’s freedom and excitement. Instead of teaching your teen the basics and hope that they pick up […]
Read MoreMake Sure Your Home is Safe from Carbon Monoxide
CO poisoning is a real threat – Ensure your home stays free from it! Now that winter is almost here, we are staying indoors more. While we often think of a home as safer than facing the harsh New York elements, what many of us don’t realize is that our home could be harboring a […]
Read MoreTransferring a Deed? Don’t Forget Homeowners Insurance, Too!
Understanding how to keep your insurance in line with the transfer of a deed. Many people have questions about the legal effects of transferring their residential real estate to an adult child. There can be some benefits to doing this, but it is important to understand the potential disadvantages before you proceed. There are basically […]
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Halloween Safety Tips for Your Home
Don’t let the night turn into a nightmare with these Halloween home mishaps! Halloween is a night for costumes, spooky thrills, trick-or-treating, candy, and fun! On the flip side, it also can pose a big threat to those who are not cautious in their Halloween holiday preparations. Every homeowner will want to avoid Halloween home […]
Read MoreEasy Steps to Keep Employees Safe at Work
Whether it’s an office or a construction worksite, business owners need to keep their team safe. Every business should provide a safe work environment for workers and safe space for business operations. In addition to this, the business must assure the security of customer information, employee information, and company property. We’ve all heard the famous […]
Read MoreFactors That Affect Your Home Insurance Premium
Here are the critical factors that insurers look at to determine your home insurance premium. The cost of homeownership continues to rise in the United States. Though the continuous increase is a fact, it’s often unclear why most homeowners pay a different premium than the family living next door. Insurance carriers take into account […]
Read MoreProtecting Your Business’ Outdoor Areas
How are you protecting your business outside? Many business owners are concerned with protecting their business from the indoors out. However, protecting your business from the outside first will minimize the risk of theft or damage to the inside. It makes sense, right? For your business, it’s important to protect your outside property as well […]
Read MoreMind the Gap: Common Lapses in Auto Insurance
Find out if your car insurance policy has substantial gaps. Motorists purchase auto insurance to protect themselves, their vehicle, and their finances from suffering a loss during an accident. When it comes to deciding on a policy that offers such protection, many select the cheapest policy. However, such a policy may not offer coverage for some […]
Read MoreThe Insurance Your College Kid Needs
Now that your student is bound for college, ensure that they are fully protected. If your child is college-bound, insurance may not be an obvious concern – although, it should be. Once they go to college, the students’ health, auto, and property insurance need changes and updates to keep them safe away from home. Property You […]
Read MoreHow You Can Celebrate National Preparedness Month
Get prepared for any accident or disaster. As the summer nights close in and the autumn months approach, now is the time to prepare for any accidents that may occur. Until you experience a disaster, you may not think very much about preparing for any unfortunate situation. However, taking the time to make sure that you are […]
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