From the category archives: Insurance Protection Blog

Miscellaneous things in your life

Your Toothbrush Is Watching You….

post image It resembles a scene that you would watch as a kid on “Leave it to Beaver”. Young boy enters bathroom and picks up his toothbrush to clean his teeth. Suddenly his mother emerges from the kitchen and chastises him, “I know that you only brushed for 1 minute. You need to brush for 2 minutes every time.” He wonders if his mother has eyes in the back of her head, but what he doesn’t realize is that his toothbrush is equipped with Telematics. It is not just his mother that is watching him. The Telematics that is used in the toothbrush is the technology of “sending, receiving and storing information via telecommunication devices in conjunction with effecting control on remote objects.”  It is sort of a modern day, “Big Brother is Watching You” from the novel “1984.”  Installing small computer chips in objects to send information back to a company to gauge usage.   Cars have been equipped with this technology for years (conside ...
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Drones, Hoverboards and All Terrain Vehicles, Oh My!

post image The wrapping paper has been picked up off of the living room floor. The refrigerator is stuffed with piles of leftovers and next week; everyone is planning on heading back to the gym. The holidays are almost over and all of the new "TOYS", both large and small, are ready for use. But before you fly that drone, hop on that hoverboard or take off on that ATV, some thoughts .... Inside industry sources are predicting that sales of Drones will have exceeded 400,000 for the 2015 holiday season. According to the New York Daily News, The FAA has reported that they already received more than 45,000 registration requests just two days after applications opened on Dec. 21. The FAA is also predicting 300,000 more by the January 19th, 2016 open registration date.  The massive influx is coming from a law requiring all owners to register their flying devices, from drones that weigh about as much as two sticks of butter (.55 lbs.) to a punching bag (55 lbs.).  That is a lot of little novice pilots maneuvering a ...
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Three Toys That Should Be Scratched from Your Child's Wish List

post image Once the last of the turkey is devoured and the kitchen is cleaned up from the Thanksgiving feast, children’s minds begin to focus on the holidays and TOYS! Lots of toys, piles of toys. What kid does not envision stacks of toys to the ceiling?   As parents, we take their Wish Lists, fight the crowds, comb the aisles of Toys R Us and Target and search for the gifts that they scribbled on their list. We do the best that we can to give them a happy holiday. Unfortunately, not all toys that kids request, are safe. Although, the Consumer Product Safety Commission had done an admirable job in the last decade strengthening the laws concerning hazardous toys and recalling any toy that is deemed “unsafe.”, there are many toys that are imported from abroad and manufactured in Asia, that still test high for toxic hazards, small parts and poor construction. Some of Holiday 2015's biggest offenders: HOVERBOARDS – This is the hottest toy of 2015 and a must for every kid from kinde ...
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Four Major Schemes and Scams that Target Senior Citizens

  In my eyes, there is nothing more sickening than scam artists that prey upon our senior citizens. This segment of society is especially vulnerable to fraud, because of their trusting nature and polite manner. They are often uninformed of how technology can be used for nefarious purposes.  Scams have become so sophisticated that often entire bank accounts are depleted in the blink of an eye. Senior Citizens nest eggs and life savings can vanish without a trace. One in every five Americans age 65 or older has been abused financially, according to a 2010 survey by the Investor Protection Trust, a financial-education organization. People 60 years and older were 26 percent of all fraud complaints tracked by the Federal Trade Commission in 2012 -- the most of any age group. True Link Financial found that the overall cost of this fraud is 12 times previous estimates -- more than $36 billion worth. Previously, the most frequently cited estimate of the amount of money lost to elder financ ...
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Off to college they go .... but what about insurance ....

Since the day your child  was born, you have been doing everything you can to protect them. Security blankets, crib bumpers, knee pads, helmets, AAA Auto Car Protection and cell phones so he can call home, anytime. And quite shockingly, and almost unexpectedly  your teen will be heading out on their own in a few weeks, headed for college. No doubt, you’ve been spending the last few months on a tear, contacting roommates, chasing financial aid, filling shopping carts with bedding, funky posters and Ramen noodles. But most likely, you probably didn’t consider the insurance you may need for your college student. It generally slips people’s mind, until a problem or claim occurs.  Following are some points to consider when it comes to your college student's insurance needs: •   Auto Insurance •   Homeowner’s or Renter’s Insurance 1.    AUTO INSURANCE: Although it is true that you may be able to save some extra money ...
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The Branch Doesn’t Fall Far From the Tree … Watching my Son Dominick Entering the World of Business

There is a saying that “we are our parents.” I see so much of myself in my son Dominick. We have the same spirit. The same drive.

 Dominick is 16 years old and entering his junior year. He is the type of student that thrives in the more physical curriculum of his high school. His passion is constructing, creating and improving his surroundings. He wants to build a better world, one brick at a time.

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Before You Let A Contractor Hammer A Single Nail ....

When the weather turns warmer and summer arrives, homeowners naturally begin thinking of home improvements … an extra bedroom, a two-car garage, and a sunroom. But a big dream can become an exhausting nightmare if you do not do your homework first.  Before you allow anyone onto your property or hire someone to hammer a nail, the smartest advice an insurance agent can tell you is, take the time to do some preliminary investigating. A good friend began a major renovation on a historic home. He hired a contractor based on a referral and began discussing the scope of the project.  One element that was included in the restoration was the replacement of the homes multitude of custom windows. Eighteen semi-custom Kolbe windows were ordered for the home at a price of almost $30,000. At the end of the contractor’s workday, the supplier arrived  to deliver the windows. One of the workers on the job site, instructed the deliveryman to stack the windows on the side of the house until the n ...
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Suddenly You Are Floating

It is amazing how quickly you can get yourself in a bad situation without any intent. I have a staff member that recently found herself inside her Lexus during a fierce pop-up thunderstorm, floating sideways drifting towards a tree. She is an intelligent, law-abiding and cautious person, a seasoned driver who has possessed her license almost 35 years. She simply and suddenly within moments, got caught in a torrential thunderstorm.   And by the time she realized what was happening, she was already in the thick of disaster. Luckily  for her, the car ended up softly wedged against the oak and her car did not fill up with water. If the auto had missed the tree it would have went over an embankment and down a hill.  She was shaken up and told me that although she has worked in the insurance industry for a few years and she writes articles for our social media sites about how to avoid “just this situation” when she was in the moment, she forgot everything she already knew.   ...
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Don’t Let Hurricane Season Blow You Away

June 1st is the official beginning of the Hurricane Season. So far the Atlantic it has been experiencing a relatively calm period with no tropical cyclone activity expected in the Atlantic during the next 48 hours.  That can change drastically in the blink of an eye. One of the most important facts that I inform our policyholders (and that many people are unaware of) is that a Flood Insurance Policy has a 30-Day Waiting Period from date of purchase until the policy goes into effect. Many people delay obtaining a plan until they hear of an impending storm and at that point it can be too late. It is better to prepare now, and then get locked out. To learn more about your flooding risk and how to protect yourself and your business, visit the Federal Insurance and Mitigation Administration (NFIP) Web site, or call 1-800-427-2419. We can also help you to understand your risk at As the Boy Scouts of America always say &hell ...
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Why I Serve.

Beyond the responsibilities of owning and running an insurance agency (which is a 70 hour a week job in itself), my partner and I have always felt committed to contributing to the industry.  Each individual agency is only as strong to the trade as a whole. Protecting and building the business, is crucial to safeguarding our clients as well as the preserving independent agencies. 

It might seem odd, that a business as old as insurance, needs advocacy groups, but as with any industry, it is important to show advancement instead of maintaining the Status Quo. It is important to embrace technology instead of relying on antiquated systems. It is vital that we establish standards, so that a policyholder purchasing insurance in Buffalo , is equally as protected as someone purchasing the same insurance in Brooklyn.

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