Tuesday, January 9, 2024The insurance industry operates in cycles, alternating between soft markets and hard markets. In a hard market, insurance premiums rise, capacity tightens, and underwriting standards become more stringent. This challenging environment can be attributed to various factors such as increased claims, low interest rates, and a higher frequency of catastrophic events. READ MORE >>
Thursday, January 4, 2024Many people think the best way to save on homeowners insurance is to reduce their coverage, but that could put you in a very bad spot if a covered event occurs. Over two-thirds of American homes are underinsured because of this. Instead of sacrificing valuable coverage, try the following 3 tips for saving on your current coverage: READ MORE >>
Friday, November 3, 2023Did you know that non-weather-related water damage is one of the most common Homeowner claims and many culprits can be to blame, including: - Broken pipes - Clogged drains - Malfunctioning toilets - Failing water heaters - Older washing machines READ MORE >>
Tuesday, October 31, 2023You hear about large companies — like Target, Home Depot and Sony — getting hacked, leading to hundreds of thousands of dollars (or even more!) in damages. But these news stories overshadow cases of cybercrime when it comes to smaller businesses. In fact, small businesses face a greater risk of being hacked. READ MORE >>
Monday, September 18, 2023What is supplemental spousal liability insurance? New York law requires every automobile insurance policy sold in the state to provide liability coverage. This coverage insures you if another person accuses you of injuring them or damaging their property. READ MORE >>
Wednesday, July 26, 2023Plumbers, electricians, and other contractors are trusted to perform a job according to an agreed-upon contract and with a certain level of professionalism. Purchasing the necessary surety bonds proves to potential customers that you take responsibility for your work and that you strive to perform a job according to customer expectations. READ MORE >>
Monday, May 1, 2023Did you know that the cost of insurance, auto and otherwise, is on the rise? Did you suspect this increase had something to do with inflation? Chances are, it does. Rising prices can affect what we‘re paying for products, services and necessities—including auto and home insurance policies. READ MORE >>
Friday, March 10, 2023Homeowners insurance is a necessary part of home ownership. When you buy a home, your mortgage lender requires you to get coverage. Carrying a policy helps protect you and the lender against common threats and losses. More importantly, you want coverage that gives you peace of mind. READ MORE >>
Friday, February 10, 2023One of the most essential business insurance products is Workers Compensation insurance. Modern Workers Compensation insurance carries layers of federal, state and local regulations. These regulations protect both the injured worker and the employer. READ MORE >>
Friday, January 27, 2023A business owners policy (BOP) is a business insurance package geared toward small businesses. It combines important coverages into one policy, usually at a cheaper rate than buying them individually. A BOP covers two main areas: property and liability. READ MORE >>
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