Information on special types of insurance.

Flood Damage VS Water Damage

From flash floods to roof leaks, we’ve all heard the stories of someone who lost their home to water. The most commonly asked question we get in this case is what is flood damage vs water damage? Let’s dive in… no pun intended. Flood Damage Flood damage is defined by the National Flood Insurance Program as “A general and temporary condition of partial or complete inundation of two or more acres of normally dry land area or two or more properties from: Overflow of inland or tidal waters Unusual and rapid accumulation or [...]

2022-04-26T17:37:39+00:00May 1st, 2022|

Manufacturing: Insurance For Your Unique Needs

Manufacturing can be a dangerous business. Whether you work with band saws and drill presses or harmful chemicals there are a lot of risks that both your employees and your business face. From on the job injuries to environmental accidents… these risks could end up costing you a small fortune. How do you protect yourself, your employees, and your business from the risks you face daily? You most likely already implement safety procedures and policies to keep everyone safe. You also probably have checks and balances in place to safeguard your business [...]

2022-02-23T16:52:21+00:00February 23rd, 2022|

Insurance Gaps You Face When You Rideshare or Deliver and How We Can Help – Uber, Doordash, and More

Services like Lyft, Uber, Doordash, and GrubHub are popping up all over the country. These services make life a little more convenient and give people new income sources. When you work for one of these services you get to set your own schedule, meet new people, and put extra money in your pocket. However, there is a huge risk factor that isn’t discussed often… Rideshare and Delivery Driver Insurance. When you drive or deliver for one of these services, you may not be as covered as you think when it comes to your [...]

2022-02-14T13:58:02+00:00January 30th, 2022|

Personal Article Floater Checklist

When looking to insure your valuable items, a personal article floater is where you go. This coverage is a separate policy, or a rider on your homeowner’s insurance, that provides coverage beyond your standard policy and often includes coverage for losses typically excluded from your standard policy. In other words, a personal article floater is a valuable policy to have. No pun intended. But how do you go about getting one? We have put together this checklist to help! Make a list. Start by making a detailed list of your valuables. Include descriptions, [...]

2021-12-28T19:58:18+00:00January 9th, 2022|

Do You Need A Personal Article Floater?

We’ve all heard the horror stories… a diamond wedding ring lost in the ocean, an expensive camera dropped from a rollercoaster, a precious piece of art waterlogged after a flood… nothing can prepare you to lose one of your most valuable items. Now imagine, already devastated from the loss, you learn that you don’t have the right insurance coverage to replace the item or pay for repairs. Most everyone has items that are valuable or special to them. It could be a family heirloom, an expensive engagement ring, or even your favorite t-shirt [...]

2021-11-29T19:20:21+00:00December 12th, 2021|

Do You Volunteer, Sit On A Board, or Organize Benefits? You May Need Insurance Coverage For That.

We’ve heard the term – no good deed goes unpunished. Unfortunately, under the law, if you volunteer, are a board member, or help organize a fundraiser; this could just be the case for you. Most organizations that have boards don’t carry personal liability insurance for their members. If you are on a board, we recommend you ask the organization if they are carrying personal liability insurance for you. What if you volunteer, can you be at risk? Here’s an example: A person you know becomes severely ill and is struggling financially while they [...]

2021-11-29T19:35:14+00:00December 5th, 2021|

Construction and Excavating…Insurance Plans To Meet Your Need

As you know, contractors and excavators face more risks than most businesses. Big jobs call for heavy equipment, large crews, and comes with plenty of hazards. Your equipment is expensive and the chance for accidents is high. How can you protect yourself, your employees, and your company from the dangers you face every day just doing your job? One important tool you can use to manage risks is the right insurance coverage. The right package of policies can ensure you are covered in case there is an accident. There are always conditions [...]

2021-05-11T18:07:55+00:00May 11th, 2021|

Classic Car Coverage

Classic cars are very different than your typical everyday use vehicle. You likely drive it less frequently and store it more securely. Not to mention all the time, money, and effort you put into maintaining or restoring your classic car. You probably know your car’s value to the nearest dollar and care more than most car owners about every little piece of your classic car. It is important to make sure that your classic car policy includes all the finer points you need. What is a classic car? Classic car insurance can cover [...]

2021-07-27T14:53:11+00:00April 11th, 2021|

Pet Safety: Winter Edition

Winter is here and in the northeast that can mean cold winds, snow, and ice. This weather can pose some serious threats to your pet’s health. Here are some safety tips to keep in mind to help keep your furry friends safe throughout the winter season. Know Their Limits. Just like people, pets have a limit to how much cold they can handle based on their health, age, activity level, and breed. Be aware of their tolerance and adjust your routine or activities as needed. Provide Choices. Your pet may prefer different sleeping [...]

2021-07-27T14:58:23+00:00January 17th, 2021|

Pet Insurance 101

Imagine that you are out for a walk with your beloved dog Fido. Fido is having a good time, sniffing every tree and stopping at every house when suddenly, he sees something across the street and makes a run for it.  Fido didn’t see the car coming and unfortunately, they did not see him either and now they have hit him. Thankfully Fido is okay, but he did break his leg in the accident. According to a 2019 survey conducted by the American Pet Products Association, 67% of [...]

2021-07-27T15:31:13+00:00December 13th, 2020|
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