Why Do You Ask? What Goes into Your Car Insurance Rates

January 30th, 2018

When you come to us for car insurance, we ask you a lot of questions. You might wonder why we get so “personal.” How far do you drive to work, your age, your occupation…what difference does it all make? The answer lies in the basic job of the insurance company when rating a new customer’s…Read More

Are Medical Devices, Supplies, and Prescription Drugs Covered on Your Homeowners Insurance?

January 23rd, 2018

Medical technology and the modern homecare culture here in the Utica area combine to turn homes into pleasant places of healing and safe living for older Americans. That’s a great way to get better. After all, most of us would rather be home during an illness than cooped up in a hospital room away from…Read More

Preventing Annoying Ice Dams on Your Home

January 16th, 2018

Do you get ice back up during our Mohawk Valley winters? The cause for this seasonal frustration is that the home’s heat escapes through the roof and melts the snow. Then the snow trickles down to the eaves and refreezes. Ice dams build up and can fall and damage porches below. Or the snow gets…Read More

How Does Marijuana Affect Your Driving?

January 9th, 2018

Recreational marijuana is legal in 8 states, including Massachusetts and Maine in the Northeast. Medical marijuana is legal now in New York State. But oddly enough, it is still illegal under federal law, though the feds have determined that a state’s legal medical marijuana is not a priority. (Though this may be changing with our…Read More

How Do You Know When to Shovel the Snow Off the Roof?

January 2nd, 2018

Everyone here in the greater Utica area remembers the unbelievable snowstorm of March 2017. It seemed to never stop snowing that day. That heavy snowfall got us thinking about our homes here in the Mohawk Valley and the sometimes tremendous accumulation of snow on our roofs. When should we shovel them off? How much does…Read More

SZW, the Utica MHA, and Charles Dickens Team Up to Deliver Christmas Cheer

December 19th, 2017

Our Casual Day Project this year culminated in a very successful holiday for three Utica families, one of which was quite unexpected. Here’s how it worked: everyone in the agency contributes $5 per month for the privilege of wearing jeans on Fridays. That includes Steve and Gary! At the end of the year, we buy…Read More

Quick Summary of NYS Paid Family Leave

December 11th, 2017

This coverage will automatically be added to your NYS Disability policy per NY statute effective 1/1/18. Basically it provides paid leave & holds their position open for employees who: take a leave of absence to take care of an ill family member, take a leave of absence related to child care- new baby, foster, or…Read More

Employer Responsibilities for the NYS Paid Family Leave Act

December 5th, 2017

Effective January 1, 2018, employers will be required to implement the New York State Paid Family Leave (PFL) program. It’s important that all employers understand their role in covering their employees, so we’ve put together a quick list of employer responsibilities. If you have any questions about the new law we urge you to call…Read More

A Red Ribbon Reminder for Thanksgiving

November 21st, 2017

We ran across a great idea the other day that reminds us to be safe drivers during this holiday season. It’s the Tie One On For Safety initiative by Mothers Against Drunk Driving. The idea is to use a red ribbon to remind everyone to always designate a non-drinking driver when out with friends and…Read More

I Just Had a Car Accident, What Now?

November 14th, 2017

Anyone who has experienced the shock of a car accident knows that immediately afterward, it’s tough to think straight. Your emotions run high and you or someone else involved might be injured. Your day’s routine is completely thrown off as you get a handle on the situation. So here are some tips on what you…Read More

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