One of the things we’re most proud of as independent agents here in the Utica area is serving our many nonprofit clients. We help manage the risk for so many worthy institutions in the Mohawk Valley that you might say we have become specialists in nonprofit insurance coverages. Not only that but Gary Scalzo and […]
November 6, 2018
While we are here for you when you have a loss to your home or contents, there are some things that homeowners insurance policies will not cover. We thought it would be a good idea to let you in on some of the standard exclusions. Our focus is on what’s more likely to happen to […]
October 30, 2018
Halloween isn’t that big a deal, right? Baby boomers remember a simple, fun time of roaming the sidewalks, bribing neighbors for treats with playful threats of tricks. But look what it’s turned into. From The National Retail Federation (NRF) Expected spending for Halloween in 2018: $9 billion! Spending per celebrant: $86.79 Americans celebrating Halloween: 175 […]
October 23, 2018
Not everyone in the Mohawk Valley stays here for our cold, dark winter months. Florida beckons and many Utica area residents fly south for the winter and return in the spring. That means they’re leaving their houses empty for half the year. Are you a snowbird? If you are, here are some things you should […]
October 16, 2018
The last thing any of us want to suffer is the pain of a car accident. Even the dull sound of metal against metal in a minor collision can be frightening and traumatic. But accidents happen. There are over 300,000 traffic crashes in New York State each year. And circumstance can lead even those good […]
October 9, 2018
What does fall bring to the Utica area beside beautiful color? How about the Utica Comets and Utica College, Hamilton, and Colgate hockey. Youth hockey and football. Theater, hay rides and pumpkin pie. Plus, driving dangers unique to the Central New York fall season. They’re lurking everywhere, poised to cause you unexpected grief. Take a […]
October 2, 2018
With Hurricane Florence wreaking havoc on the Southeastern coast, our thoughts are with everyone there suffering from massive flooding. But we also breathe a sigh of relief that we don’t experience hurricanes here in Utica area. Yes it rains and our winters are tough, but there are no coastal waters that would fuel these terrifying […]
September 18, 2018
When it comes to life insurance, what we’re really talking about is problem solving ahead of time. Whether you’re married or single, employed or in business for yourself, early planning for those you’re financially responsible for makes sense. But though it makes sense, we understand how tough it is to ask yourself the question “What […]
September 11, 2018
Have you noticed all the talk lately of our country’s crumbling infrastructure? We’ve been constantly hearing of what amounts to close to an emergency. Our roads and bridges are badly in need of repair. And who in the Utica area hasn’t noticed the rebuild of the arterial. On October 31, 2017, Governor Cuomo announced the […]
September 4, 2018
Believe it or not, the Insurance Information Institute found that over one-third of all homeowners liability claims in the U. S. in 2015 were from dog bites. And the cost per claim averaged more than $37,000 per bite. That’s over $570 million in damages paid! In New York State, the average cost per claim in […]
August 28, 2018
