• Utica cyber security insurance

    Cyber Security Major Concern for Business

    In 2021, cyber threats are a top concern for businesses nationwide. We know this from the Annual Risk Index Survey conducted by one of our companies, The Travelers. The Travelers says, “Of the 1,200 business leaders who participated in the national survey, 59% said they worry some or a great deal about cyber, compared to […]

    October 12, 2021

  • hear it for fire safety

    Let’s “Hear” It For Fire Safety Week October 2021

    What does fire safety sound like? We’ve never “heard” it put quite that way before. But then we saw this year’s theme for fire safety week by the National Fire Protection Association (NFPA). It’s “Learn the Sounds of Fire Safety!” We know, you’re probably wondering what sound has to do with fire safety. We did […]

    October 5, 2021

  • traffic down accident up

    Traffic is Down Yet Accident Death Rates Are Up?

    We are seeing more reports in the media about traffic deaths. And they aren’t good news. A preliminary estimate from the National Safety Council (NSC) reports 42,060 people killed by cars in 2020. That’s up from 39,107 in 2019. But how can that be? You would think that there would be fewer accidents during the […]

    September 28, 2021

  • night driving dangers

    Fall Brings Shorter Days and More Dangerous Night Driving

    Today is the first day of fall! The most colorful time of the year for the Mohawk Valley. A time where days get shorter and night starts sooner. And night starts even earlier with daylight savings time on Sunday, November 7. (Hard to believe it’s still light out in June at 9:00 PM!) The thing […]

    September 21, 2021

  • how to start a small business

    Are You Thinking of Starting a Business?

    Small business is the backbone of the Mohawk Valley. That’s different than our storied history of larger corporations. Longtime residents will remember General Electric, Chicago Pneumatic, and a thriving Remington Arms. We even had our own airline, Mohawk Airlines!! But except for insurance companies (we represent all three), like Utica National, Utica First, and NYCM, […]

    September 14, 2021

  • flood insurance utica ny

    What You Should Know After Your Home is Flooded

    Flooding is the new normal here in the Utica, New York area. That may be from climate change. Or new construction over the years. Be that as it may, more and more of us are experiencing the devastating effects of flood damage to our property. What if that is you? What should you do after […]

    September 7, 2021

  • e-bike insurance

    Is Your E-Bike Covered On Your Homeowners Insurance?

    Have you noticed this on Utica area roadways? Bicycles zipping along faster than anyone could peddle them. You do a double take and realize you’re seeing a motorized bicycle, or Electric Bike. As E-bikes have become more popular in the Mohawk Valley, we wanted to find out more about them. First, a bicycle with electric […]

    August 31, 2021

  • car home insurance discounts

    26 Car and Home Insurance Discounts & Credits

    At Scalzo, Zogby & Wittig, Inc. we talk a lot in our blog about what insurance covers. That’s because we want to help you understand your policies better. We feel that the more you know, the easier it is for you to get you the right coverages for your situation. But what about saving money? […]

    August 24, 2021

  • uninsured motorist coverage

    You Have Good Car Insurance, But What About the Other Guy?

    You’re on your way to the grocery store, a short drive from home. A car traveling in the other direction starts swerving into your lane. You know right away what’s up. The driver is on his phone. Turns out he’s texting his girlfriend and doesn’t realize he’s heading straight for you. Then the worst happens. […]

    August 10, 2021

  • home insurance cover lightning

    Lightning Never Strikes Twice…Or Does It?

    If you think it rained a lot in Central New York last month, you’d be right. It rained 10.13 inches this July! That’s compared to 2020’s 6.84 inches. And only 3.80 in 2018. If that weren’t enough, we’ve experienced severe flooding and dangerous thunderstorms. As we all know, lightning comes before all of that thunder. […]

    August 3, 2021