Information for business owners.

AS YOUR LANDSCAPING BUSINESS CHANGES… SO SHOULD YOUR INSURANCE COVERAGE.

By Stevens Lambert Landscaping can be a dangerous job with some hazardous working conditions. Landscapers are frequently using heavy equipment like backhoes and graders and other equipment with lots of moving parts like mower and chainsaw blades. Ad­ditionally, all this equipment and the trucks and trailers you use to get your tools to the jobsite can be very expensive. On top of those dangers and expenses, you may be digging in some­one’s yard, what if one of your employees accidentally damages a foundation or breaks a gas line? How do [...]

2020-06-29T17:56:47+00:00July 5th, 2020|

Don’t Open That Suspect Email!

It has happened to all of us, you are checking your daily emails and you see one that you did not recognize. It probably said something like “You have won a million dollars!” or “We need to confirm your bank details.” In most cases, these subject lines are the first sign of a phishing email. A phishing email is an attempt to obtain private information such as usernames and passwords or credit card information by pretending to be a trustworthy source. Unfortunately, these emails are becoming more and more prevalent, which is [...]

2020-06-29T14:35:51+00:00June 29th, 2020|

Special Event Insurance

From marketing events to holiday parties, most businesses host events throughout the year. They can be a great way to connect with your staff and your community. A ton of planning goes into these events and you probably spend weeks on end making sure that every detail is perfect. You spend the entire day before setting up and getting everything ready and then comes the day of the event. What if something goes wrong? What if someone gets hurts and sues your business or external factors force you to cancel at the last [...]

2020-05-11T15:29:53+00:00May 11th, 2020|

Disability Insurance for employees?

When an employee is injured at work, it is likely that workers’ compensation insurance benefits will provide them with a portion of their regular paycheck as well as reimbursement for medical bills and rehabilitation required due to the injury. If one of your employees was injured away from work, what would they do?   Would they be able to survive financially if they became disabled?  According to LifeHappens.org, 70% of working Americans could not make it a month before financial difficulties would set in and 25% would have problems immediately; this is where disability [...]

2020-05-04T18:13:01+00:00May 4th, 2020|

NY Policy Premium Notice

New York Policyholders, A recent Executive Order issued by Governor Cuomo, together with recent amendments to the insurance and banking regulations issued by the New York State Department of Financial Services, extend grace periods and give you other rights under certain property/casualty insurance policies if you are an individual or small business and can demonstrate financial hardship as a result of the novel coronavirus pandemic.  These grace periods and rights are currently in effect but are temporary, though they may be extended further.  Please check the Department’s website for updates. If you are [...]

2020-04-07T19:41:17+00:00April 7th, 2020|

Coronavirus Aid, Relief and Economic Stability (CARES) Act

The Coronavirus Aid Relief and Economic Stability (CARES) Act Program was signed into effect on March 27th, the program includes an overwhelming amount of information. As a business owner, we recognize the importance of the Act to you and want to share some of the key points. Background On Friday, March 27th the President signed the Coronavirus Aid, Relief and Economic Stability (CARES) Act, a $2 Trillion stimulus and aid package passed by Congress to offset the economic damage inflicted by the COVID-19 pandemic.  The Act covers individual economic relief such as [...]

2020-04-06T19:31:20+00:00March 31st, 2020|

Cyber Insurance 101

If you go into a business today, chances are you will encounter technology in many forms. From the card reader you use to pay for your purchase to the computer sitting on the desk they may use for inventory or customer management; businesses today are using technology more and more. With this increased use of technology, comes increased risk. There are many different types of risks that are associated with a business using technology. These include data breaches, malware attacks, loss of data, hacking, and [...]

2020-01-31T19:30:54+00:00February 23rd, 2020|

Workers’ Compensation 101

Workers' compensation insurance, commonly known as workers’ comp, is insurance that covers medical expenses and a portion of lost wages for employees who become injured or ill on the job. Coverage also includes employee rehabilitation and death benefits. How does workers' compensation insurance work? When an employee gets injured at work, they should report the injury to their employer and then file a workers' compensation insurance claim.  From there the claim goes to the insurance company where it is determined what type of benefits are required [...]

2020-01-31T16:13:00+00:00February 2nd, 2020|

Just as wine and beer evolves – so should your insurance!

Have you ever dreamt of running your own winery or brewery? Many great businesses start when a person has the idea to make a hobby their full-time career.  But as your hobby evolves into your livelihood, there are many business decisions that need to be made daily even before you open the doors… insurance being one of them. At Gannon Associates Insurance, we can offer insurance packages that are as unique as your business.  We have dedicated sales and service staff that specialize in different types of [...]

2019-05-31T14:53:00+00:00June 22nd, 2019|

Commercial Liability Umbrella 101

A commercial liability umbrella policy is designed to provide an extra layer of protection by covering costs that exceed your existing liability coverage limits. It compliments your existing liability coverages by taking over when your other liability coverage limits have been reached. Commercial liability umbrella policies serve 2 main purposes: To increase the liability limit that your company already has an existing, or underlying, liability policies. To broaden coverage for things that your underlying policies may not cover. Commercial umbrella insurance can only supplement coverage for certain underlying policies. These include general liability [...]

2019-06-10T19:24:34+00:00June 10th, 2019|