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What 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 […]

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Participate 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 […]

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Challenging 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 […]

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Make 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 […]

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Transferring 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 […]

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Easy 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 […]

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Factors 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 […]

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Protecting 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 […]

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Mind 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 […]

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The 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 […]

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How 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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What You Should Know About Your Car Rental in New York

Important information about your rental car auto coverage in New York. Whether you’re taking a trip or your current car is in the shop, you may be looking for a car rental. If this is the case, it’s important to be aware of certain information that applies to car rentals in New York. New York […]

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Why Utility Line Coverage is a Must

Don’t wait until disaster strikes – Secure Utility Line Coverage for your property. As a homeowner, you do your fair share of upkeep around the house. From locking the doors at night to cleaning out the gutters, owning and maintaining a home is no small feat. What most homeowners don’t realize is that they are […]

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Find Out What Equipment Breakdown Coverage Is & Why You Need It

Protect your personal possessions with Equipment Breakdown Coverage. Any homeowner will know that replacing and repairing appliances such as furnaces, air conditioners, fridges, and TVs can get very expensive very quickly. What’s worse is that you don’t know when these appliances will go kaput, so there’s no way of being prepared. These expensive items in […]

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How to Choose the Right Deductible

Determine what deductible best meets your needs. When you buy insurance, your policy may include a deductible. This is the amount that you agree to pay on a bill before the insurer pays the benefits. In the event of a claim, this is an immediate out-of-pocket expense. Health, dental, home and auto insurances all have […]

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Should Your Business Use an Independent Insurance Agent?

Contrary to popular belief, cutting out the middleman is not always a good thing.  In this day and age, there are many direct insurance companies who sell their services directly to you. These companies cut out the middle man and choose to cut out the insurance agent. The thinking behind this is that because you’re […]

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Tips on How to Conduct a Home Inventory

Simplified steps for creating your home inventory! You may think that you know exactly what is in your home. However, when it comes to the aftermath of a disaster, and you have to list which items you’ve lost, valuing your personal property from memory is harder than you think. For this reason, home insurers ask homeowners […]

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Drive Easy This Summer with These Tips

Brush up on these summer driving tips before cruising the roads this season. Summertime is here! With the weather heating up and the days getting longer, many people will head on vacation, take some quality time off work, and enjoy the season ahead. While the crowds out and about increase, so does the traffic. The […]

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Do Small Businesses Need Umbrella Insurance?

Your small business may lack in size, but not in risks. Many small businesses mistakenly believe that umbrella insurance is predominately for larger businesses. Generally speaking, umbrella insurance is for any business whose risks are great enough. The main function of commercial umbrella insurance is to extend your liability coverage. Liability coverage you already have may […]

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How to Insure Your Home Business

Running a home-based business isn’t easy, here’s how you can insure it to protect your business equipment. If you run a business from the comfort of your own home, you may not have enough insurance to protect your business equipment. A standard homeowners insurance policy provides only $2,500 of coverage for business equipment, which is […]

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What is Services Line Coverage?

Should you consider services line coverage for your home? Most homeowners don’t realize they are responsible for repairing or replacing the underground piping and wiring located on their property if damaged. The cost of repairing or replacing underground service lines is costly and not covered by most homeowners policies. Losses can easily total $3,500 or […]

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