June 28, 2022
Agency5 Things Restaurant Owners Need To Know About Insurance
1. Exclusions Are Crucial Insurance has exclusions. They vary by operation. If you are getting a new policy, make sure you have coverage such as for assault and battery as well as abuse and molestation. 2. Honesty Is Key Tell the truth about your operation on your application. Sometimes insurance underwriters check your social media. […]
June 9, 2022
Agency3 Reasons You Need the Right Restaurant Insurance
1. Fire Risks According to the New York City Restaurant Restaurant Fire Safety Guide fires and hazards in restaurants are common. Each year In NYC from 2017-2021, there were about 200 fires in restaurants. The majority of fires happen on Saturday and Sunday – often in the morning. Nearly 60% were caused by cooking equipment, but […]
May 26, 2022
AgencyEvery Home Needs a Home Inventory List
Whether you live in a private home, condo, or apartment, your valuables may need extra protection. Robbery statistics are up in New York and New Jersey. And, accidents happen… If your valuable items are stolen or damaged, they may not be covered to full value by your homeowners insurance. Many of your valuable possessions, […]
April 14, 2022
Agency9 THINGS EVERY NYC CONDO OWNER SHOULD KNOW
Your building’s “master” insurance policy will not cover your apartment in the event of a claim. The interior from floors to the walls to the ceilings are your responsibility. Water damage can be very expensive to repair – consider a small added premium to greatly increase your standard coverage. “Stuff happens.” If a visitor falls […]
April 12, 2022
AgencyAUTO MARKET IS HOT, DON’T GET BURNED!
Anyone who has been shopping for a car recently knows that due to limited availability of new vehicles, consumers are paying far above sticker price to get in that ride. Then, you may have to wait months to take delivery of your new vehicle. If you can’t wait for that new car, used car prices […]
May 21, 2020
AgencyBuying a new Home? Here’s What You Need to Know About Insurance
When buying a new home, the process can be overwhelming. Finding the right house, negotiating a fair price, scheduling the inspection and completing the mortgage process can all be daunting tasks. Finally, the deal is complete, mortgage is approved, and the closing has been scheduled. Then, the mortgage broker asks, “Please send us your Certificate of […]
April 24, 2020
AgencyShould I Cancel or Non-Renew my Business Insurance during COVID-19 closure?
We are now weeks into the COVID-19 Business Shutdowns and many business owners are looking for ways to cut overhead costs. One thing that many of our clients are asking is “Can we cancel our insurance since our business is not operating?” There is no simple answer to this question as every business is […]
January 29, 2020
AgencyHome Insurance Guaranteed Replacement Cost, what is it?
Home Insurance Guaranteed Replacement Cost, what is it? Most homeowner’s insurance policies insure your home and its contents for Replacement Cost, but what does this really mean? Very simply, the insurance carrier will pay to replace your home at the current cost of construction. So, for example you paid $100,000 to renovate your […]
July 7, 2015
Agency4 Ways Your Company Can Reduce Workers Compensation Claims
Business owners face a variety of costs that impact how successful their business is financially. From payroll cost to the cost of maintaining inventories, it’s important for business owners to steadily look for measures they can take to reduce the cost of operations. One cost that managers can control is the cost associated with workers […]
June 1, 2015
AgencyHow to Talk to Your Spouse About Life Insurance
There are many talks a couple should have before getting married, but there are even more important conversations they should have after their nuptials. One of the most important of these conversations concerns life insurance. Life insurance, although a grim topic, is a necessary conversation to ensure that the family a spouse leaves behind can […]