One of the best Business Insurance Policies, that many Businesses Owners May Not Know About.

post image It happens more than you would imagine, and the phone call is enough to make your heart race. An alarm has been triggered at your business and the firetrucks and police on their way.  Or a water main has broken, or a wind storm has done damage to the roof.Fire, Flood, Wind, all the things that insurance was designed to protect your business from. Once the disaster occurs, your insurance policy will kick into action and claims will be filed, remediation and restoration will commence. But what happens when you cannot get your business back up and running quickly? What if the situation is out of your control, and it will take weeks before you can open your doors and welcome clients and customers again? How do you keep your staff members from departing, your bottom line solid, your bills paid and your business still floating (when depending on the source, 25% to 40% of all businesses that experience this kind of loss, close permanently?)  BUSINESS INTERRUPTION INSURANCE:  ...
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#ArriveAlive: The Dangers of Drowsy Driving

post image We’ve all done it. Staying out late for work, or a ballgame or maybe dinner with friends and now it is time to head home. You pull out of the parking lot, head out on the road and suddenly a wave of exhausting and drowsiness envelops you and you have miles to go. You think to yourself, open a window? Maybe if you blast the radio? Maybe if you close one eye for a while and rest it, and then close the other eye for just a moment. In a split-second you are heading across the yellow line or on a direct trajectory with a telephone pole. First a few statistics about drowsy driving: According to the National Sleep Foundation, nearly ¼ of all adults in the U.S. claim to know someone personally who has fallen asleep at the wheel. 70 Million adults are sleep deprived or suffer from sleep disorders. It is a major contributor to car crashes. (Source: American Automobile Association) One out of six deadly traffic accidents are a direct result of drowsy driving. And each year, the ...
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CONE! Road Crews are Back on our Rural Roads and Nation’s Highways.

post image Ahhhh Spring! Finally, the snow and salt are gone, the car has been washed and waxed and after weeks of Netflix marathons, you are ready to head out to the open road.  You cannot wait to push the accelerator, tune into your favorite songs and feel the wind in your hair. Watch out! Beware the big orange cone! Spring means many things, the robins return, the ice cream shops re-open and road crews are blocking lanes. It is a necessary evil. Winter can be brutal with potholes popping up, corrosion of overpasses and bridges, and erosion in safety lanes. The roadways need to be fixed for your safety and mine and many road crews put their lives in your hands when they step out onto the asphalt. But on a recent trip, I happened to notice that many drivers are ignoring or forgetting some of the rules, regulations, laws and common sense learning that coincides with “sharing the road.” So, a quick refresher on road safety inside and outside of work zones: *THE PROBLEM OF POT HOLES: Just a few inc ...
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Cybersecurity: It’s A Game and They Are Winning

post image It is similar to a Chess Game, but different: Each day, the small business owner is busy focusing on running his shop. He has customers to please, suppliers to deal with, product to promote and daily issues to address. He has little time each day to consider of all the ramifications of making sure that all his data is protected. He knows that it is important, but with all his responsibilities, he cannot give this aspect of his business, the attention it deserves. The hacker, sits in front of the computer, focused on the task of stealing your data. That is his day, his purpose, his job and he is very good at it.  He knows that the small business owner has many things to concentrate on. He understands “small business vulnerability” and he uses it to his advantage. He also knows that big business has teams dedicated to making sure that their data is secure and firewalls are strong, so he chooses to target the mom and pop shops. One player is focused on the game, the other di ...
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Proof Positive that The Industry is Working in Clients Favor. 

post image Sometimes it seems like the insurance industry receives an inordinate amount of negative press. Tales of excruciatingly lengthy procedures and consumer unhappiness are often found in the headlines, while the stories of client satisfaction, industry compassion and professionals working in favor of their customers’ best interest are often buried or non-existent. So, when the annual J. D. Power U.S. Property Claims Satisfaction Study, was released on March 1st, I felt a great sense of pride for my chosen field and the entire industry. After a 10 year rise in catastrophic events in the United States, over-all customer satisfaction rate in homeowner claims has hit an all-time high. Greg Hoeg, Vice President of U.S. insurance operations at J.D. Power was delighted to report that, “Following the significant declines in customer satisfaction found in the 2016 study, property and casualty insurers have redoubled their efforts to improve the settlement process and fine-tune their customer intera ...
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Surrendering the Steering Wheel: Who is ready for driverless cars?

post image When you notice them on the road, they really are a sight to behold. Sitting at a stop light, waiting for your turn to proceed, you look over at the driver in the lane next to you and there isn’t any one at the wheel of the car. You cannot help but do a double-take. Select states in the U.S. are currently testing sites for the autonomous car program including Nevada, Arizona and California, and there are plans to have the technology, sticker price and state laws in place to roll out to consumers by 2030. Americans have been slow to warm up to the idea of surrendering the steering wheel. AAA released a poll this week that stated 78 percent of Americans are afraid to ride in a fully driverless car. Between Jan. 5th and 8th, 2017, AAA interviewed 1,012 randomly selected adults via phone to gauge attitudes toward driverless cars. According to their responses, the AAA concluded that 78 percent of Americans are afraid to ride in a self-driving vehicle, while 19 percent would trust the vehicle. Only 10 ...
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Yep, that was a Tornado.

post image Saturday evening Feb 25th, at approximately 5:30pm, a line of storms raged through Northern Pennsylvania and swept into the Hudson Valley. After an almost uncomfortably warm series of days, this cold front came though bringing with it hail, high winds and a tornado! A weather service team says the tornado in the Pittston Township area of Luzerne County, PA will be classified as an EF-2 with wind speeds of 120 mph. David Elmore, deputy coordinator of the Luzerne County Emergency Management Agency, said about 30 homes were damaged, six seriously, in Pittston. Most people who reside in the New York Tri-State area are always a bit shocked when they hear of a tornado touching down in their backyards. Many seem to believe that tornados are simply a problem of “The Plains” …  residing in the flat Mid-West or Southern States. According to data from NOAA's Storm Prediction Center, during January, there were 138 preliminary tornado reports. This is almost four times greater than ...
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Water Water Everywhere

post image In the last week, the weather has been delightful. 60 degree temperatures and sunshine over the holiday weekend have resulted in the snow melting and the ground becoming muddy and saturated.  Soon spring rains will come and add more water to the mix. The only unfortunate aspect of the spring thaw is that it is also Flood Season. The months of March, April and May are usually the months that the insurance industry receives the most claim filings for flooding. And per the National Flood Insurance Program, 25% of claims are filed by people who live outside of high risk areas. Between 2010 and 2015 the average flood claim in the United States was over $51,000. A few inches of water in your basement, garage, first level of your home can lead to thousands of dollars’ worth of damage and repair.   Below are the special risks that present themselves in spring.  Thaw -  April showers bring May flowers … But those showers can sometimes be heavy rain. There is at least ...
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Something You Need to Think About When Sending Your Child to College

post image For High School Seniors, February and March are usually crunch time for making decisions on where they will be spending the next four years of their lives. If they are college bound, they will be heading to their new campuses in less than six months.Per the National Center for Education Statistics, 20.7 million students are expected to enroll at universities in the United States, for September 2017, 13.3 million will be living away from home studying and attending at four year colleges. Now is the time for choosing a college, finding a residence hall, looking for compatible roommates, chasing financial aid, and making endless lists of everything you will need to remember before you drop off your child and wave goodbye. But something to keep in mind and add to that endless list of things to do in the next few months; think about college and how it effects your insurance. 1. AUTO INSURANCE  – Whether your child takes his car to school, or leaves it home, it is always a wise idea to keep your c ...
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“I can see you.” DYI Smart Alarms are the new Tech in Home Security and Intrusion Detection

post image Per the most recent statistics from the FBI, there were an estimated 7,993,631 property crimes, nationwide in 2015. 21% of those were home break-ins. The number fluctuates by year, but has steadily escalated over the last decade. Closer to home, certain neighborhoods in Warwick have seen a recent rash of thefts in January 2017, from snowboards stolen from the back of Jeeps in driveways; to break-ins of sheds and garages. Locally the area is experiencing an uptick in property crime and theft of consumer goods. Warwick Police have indicated that these types of crimes can often be drug related, reselling hot merchandise for quick cash. Beyond guard dogs, deadbolt locks, outside motion sensor lights or more expensive security such as the Slomin Shield and Honeywell, how can you protect yourself from having your home and property burglarized (without breaking the bank)? Historically, homeowners often invested in a central monitoring home security system such as ADT. The process involved:   ·& ...
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