COVID-19 Updates:

Please, no visitors to our office at 120 Lomond Court, Utica. Staff is on hand, please call or email. Thanks!

Contact information can be found here.


Click here to read our letter to our customers.


  • car insurance and dementia

    Car Insurance and Dementia

    The number of New Yorkers over age 65 increased during the past decade by 26 percent. Today, almost one in six New York residents are above 65. That’s just above 16 percent. And seniors are living longer, more productive lives. Which means they’re not only able to stay in their homes as they get older, […]

    February 25, 2020

  • no fault car insurance

    So What is No-Fault Car Insurance Anyway?

    During discussions of car insurance, it invariably comes up that New York is a “No-Fault State.” But we wonder if people really know what that means. Does it have to do with lawsuits after a car accident? And how can you have a car accident without anyone at fault? Do people get away with causing […]

    February 18, 2020

  • prevent ice dams

    Snow vs Home

    Winter brings snowmobiling, skiing, and hockey to the Utica area. Plus cozy fireplaces and indoor relaxation. But it can also wreak havoc on your home. So we consulted for some tips on preventing the ice dams that can damage the interior of your home. We also found out how to determine the amount of […]

    January 28, 2020

  • winter driving tips utica ny

    Safe Winter Driving Takes Skill, Knowledge, and Patience

    The daughter of a friend of the agency lives in Atlanta. She complains that just an inch of snow brings the Southerners to their knees! Anyone who has had to drive the super highways of Atlanta knows how dangerous that can be. Up here in Utica, we know how to drive in the snow. But […]

    January 21, 2020

  • personal insurance checklist

    Your New Year Personal Insurance Checklist

    We thought the new year would be a good time to give you a quick overview of personal insurance coverages. These are typical of our Utica area customers. We hope they’ll help you get more organized with your insurance. And maybe remind you of areas where you have questions. We encourage you to call us […]

    January 14, 2020

  • business insurance checklist

    Your New Year Utica Area Business Insurance Checklist

    Gary Scalzo and Steve Zogby have helped manage risk for Utica area businesses for over 40 years. They also represent some of the largest and most respected A-rated insurance companies in the industry. They analyze a client’s risk by learning how their business operates. Then they recommend coverages and present the account to their insurance […]

    January 2, 2020

  • Scalzo Zogby Wittig Christmas

    A Very Merry Utica MHA Christmas

    Every year at Christmastime, we get to know some special families. We’re introduced to them through the good people at the Utica Municipal Housing Authority (MHA). We’ll tell you about them in a minute, but first… Did you know the Utica MHA is one of the first housing authorities in the United States? Established in […]

    December 17, 2019

  • cyber shopping

    Last Minute Cyber Shopping Tips

    We’re betting that many in the Mohawk Valley are still getting their last minute cyber shopping done. But in the haste of the Christmas deadline, we urge you not to get careless. We checked with the Better Business Bureau (BBB) to get advice on the risks of online shopping. Take a look below for ways […]

    December 10, 2019

  • christmas tree fire safety

    Christmas Tree Fire Safety Tips

    Have you noticed many of our Utica area neighbors got their Christmas trees up early this year? They blissfully broke with tradition: “We don’t get our tree up before Thanksgiving.” Maybe people need some cheering up. What with all the politics in the news recently. The extreme weather with rain, floods, and snow. We checked […]

    December 3, 2019