• You Might Have More Stuff Than You Think

    Imagine you’ve just suffered a devastating fire. There’s nothing left but the burned out remnants of your home and everything that was in it. Your first worry is most likely, “Am I covered on my homeowners insurance for all of this?” The fact of the matter is, you probably are. We do everything we can […]

    January 27, 2015

  • How to Take Charge of Your Insurance Program for Better Results in Central NY

    Do you ever ask yourself whether you really matter to the people you do business with? Some of us who have been around for a while (yes, that means our own Gary Scalzo and Steve Zogby!) remember when you knew the owners of most of the local stores. If you weren’t sure about a product, […]

    January 20, 2015

  • How Safe Are Your Company’s Profits After a Fire?

    When it comes to protecting your business property from fire, wind, theft, and all of the other perils covered in your Business Property Insurance policy, the first thing on most owners’ minds is the restoration of the property itself. If there’s a fire at the plant or office, damage to the building needs to be […]

    January 13, 2015

  • Risk Transfer to Subcontractors Can Save You Money

    Are you about to hire a contractor to get some work done on your building? Maybe it’s a new roof, some plumbing repairs, or a new addition. If you are, Matt Briggs in our Commercial Lines Accounts department suggests calling him first. The thing he’s worried about is, what happens if the independent contractor you […]

    December 30, 2014

  • The Insurance That People Don’t Like Talking About

    Life insurance is tough to talk about. No one wants to think about dying, especially when they’re healthy with an active family life and successful career. It’s natural that you might want to put off thinking about death when you’re so full of life. At Scalzo, Zogby & Wittig we’ve served generations of clients and […]

    December 23, 2014

  • How Will You Spend Your Auto Insurance Discounts?

    The nice thing about saving money on your car insurance is that if things stay the same, you’ll save year after year. We have plenty of discounts available to you that you’ll be very happy to take advantage of. We ran across this helpful info on the New York State Dept. of Financial Services website. […]

    December 16, 2014

  • How to Reduce Your Homeowners Insurance Costs

    You know that homeowners insurance policies protecting your property include deductibles. This is the amount insured’s pay after a loss before the policy kicks in to pay for the rest of the damage. The question is how large a loss should you pay for before your homeowners insurance takes over? Back when our principals Gary […]

    December 9, 2014

  • The Easy Way to Protect Yourself as a Non-Profit Board Member

    A not-for-profit’s board of directors is the community’s connection to the institution and its operations. The board is the source of governance and, in many cases, the fundraising. The non-profit’s success hinges on the selection of a competent, reliable paid director who works within the parameters set by the board. It’s the paid director’s job […]

    December 2, 2014

  • Easy, Simple Ways to Protect Your Valuable Papers & Treasured Family Photos

    At Scalzo, Zogby & Wittig, we have found that after a major home fire at home, one of the toughest losses is to a family’s personal treasures. We are certainly there for them with insurance on their building and contents, but there are items in every home that are more valuable for the wonderful memories […]

    November 25, 2014