Spring has arrived! Flowers and lawns are blooming with beautiful and vivid colors. Springtime is also when boat enthusiasts often start to consider purchasing a sailboat or powerboat. Many consumers, however, lack an understanding of the multifaceted loss exposures associated with boat ownership. And boat lovers may mistakenly believe that coverage applies under their […]

The following tips may prove helpful in reducing the chances that your vehicle or property in it may be stolen.   When temporarily leaving your vehicle, never leave it running or with the keys in the ignition or the key fob inside the car. Always lock your car and roll up the windows, even if […]

  These are trying times, many people are experiencing hardships through no fault of their own and whether you have been laid off, working less hours etc. making ends meet for many Americans has become difficult to say the least. Though many understand that they can’t just lower all of the monthly expenses  some are […]

  Many employers would like to think so, and many others would caution those who think this way to be careful. Careful of what you ask? Employee dishonestly claims. These are claims committed by some of your most trustworthy employees and they are on the rise due to many factors. No, business owner wants to […]

Back in December when reading this article in Consumer Reports, we would never have thought that today over 90% of our shopping would be online as many Americans deal with stay at home orders due to the Corona Virus Crisis. Here are 5 things you should be aware of when shopping online. Evaluate “Amazon’s Choice” […]

Guidance to Insurance Producers Regarding Electronic Delivery of Notices Pursuant to New 11 NYCRR § 229.5(b) and 3 NYCRR § 405.6(b)(4)   Resources: https://www.dfs.ny.gov/industry_guidance/electronic_notice_obligations The Department of Financial Services (“Department”) is aware of insurance producers (“Producers”) facing challenges complying with the notice obligations in new 11 NYCRR § 229.5(b) and 3 NYCRR § 405.6(b)(4) described below (“Notice […]

As we try and stay ahead of the outpouring of new information. Here is the breakdown of H.R. 6201.  Information Sourced from Congress.Gov   H.R. 6201 Families First Coronavirus Response Act This bill responds to the coronavirus outbreak by providing paid sick leave and free coronavirus testing, expanding food assistance and unemployment benefits, and requiring […]

As I write this blog , we as a nation our living through some very uncertain times.  Where can we go? What can we do? Is it safe? What the heck is social distancing?    These are all questions I have found myself wondering over the past few weeks.  As an Insurance Agency, there have […]

  A question many folks have asked, “Is staying at home under quarantine covered under NY’s definition of Disability?” No, based on the definitions in New York State Disability Benefits Law Article 9, a preventative quarantine would not constitute a disabling event and therefore, would not be a covered claim under your DBL/PFL policy.   […]