• It’s National Fire Prevention Week!

    Have you replaced the batteries in your smoke detector?  Now is as good a time as any.  Soon, we’ll be running those furnaces, fireplaces and space heaters.  You’ll want to make sure you do this as safe as possible.  Have your chimney inspected and cleaned.  Give your space heater a LOT of space.  Here’s a […]

    October 12, 2011

  • The Winter Joys of Home Ownership

    So it seems that fall is here, are you ready for Winter?  More importantly, is your house ready?  Remember, we live in UPSTATE New York and the winters can be pretty harsh.  Luckily we have our homes to shelter us from the cold….snow….ice…..rain, and whatever else Mother Nature throws at us.  But, how do we […]

    October 6, 2011

  • We’re Cutting Her Loose……..Linda Ryan retires!

      It’s always nice when you can finally put a face to a name of someone you’ve worked with for years, but never met.  That’s what happens every year when our annual SZW picnic takes place.  Company people are invited to join us for an afternoon of Symeon’s GREAT FOOD and beverage.  One of OUR […]

    September 27, 2011

  • No-Fault Insurance May Not Be What You Think It Is!

    No-Fault Insurance is commonly thought to provide insurance when the “other” guy is at fault and not you. The name is a little misleading, however. Your policy will actually refer to it by a different and more accurate name, Personal Injury Protection, or PIP. PIP covers personal injury to the passengers of a vehicle, regardless […]

    September 23, 2011

  • What Would a Cyber Attack Mean to You?

    Cyber Attacks….   No, they aren’t science fiction – they’re real and they are happening to many businesses who never thought they would be a target of such attacks.  According to some reports, 85% of all cyber attacks are aimed at small businesses.  You don’t hear about these since they aren’t worthy of the national media attention that is garnered […]

    September 13, 2011

  • How Much Auto Liability Insurance Do I Really Need?

    When thinking about Liability, it is best to determine what you are protecting. Someone who has a 10-year-old car, limited possessions and rents an apartment has very little that can be won in a lawsuit. Someone with a house, two new cars, expensive furniture and clothing, lots of “toys” and a half a million in […]

    September 1, 2011

  • Volunteer! It’s good for you.

    It’s what they do.  Other than insurance, I mean.  Gary Scalzo & Steve Zogby are involved in the community so much it’s usually a surprise when they’re not on a Board of Directors or committee for a not-for-profit or other organization.  Volunteering.  That is what Gary was talking about when he was invited as guest […]

    August 22, 2011

  • I Hit a Deer in the Adirondacks. Am I Covered?

    Yes…Your auto policy will cover your car as long as you have comprehensive or “other than collision” coverage on it.  You will have to pay your deductible and then your company will pay you the amount over that to repair the damages.  The deer population is increasing since the human population is expanding into rural […]

    August 9, 2011

  • Is My Car Covered When I Use it for Business?

    Well sure, if you have a business or commercial auto policy it is. Otherwise… Probably no. There are no absolutes here but most insurance companies who write personal auto policies exclude Business Use for a personal vehicle. That means if you’re delivering a pizza, picking up office supplies, or doing your firm’s daily mail or […]

    July 28, 2011

  • I’m Renting a Car, Do I Need to Buy the Insurance?

    The Smiths recently traveled to Florida for a family vacation and when they got there, they needed to rent a car.  When they get to the rental car counter, the clerk insisted they purchase the insurance directly from the rental car company.   Fortunately for the Smiths, they had already called us before leaving. They know […]

    July 19, 2011